How Does the Plan Pay
Visitor Secure is a fixed dollar based limited coverage plan. The policy maximum is just the outer limit, but there are limits to every service or treatment also. The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the plan brochure and the Description of Coverage. The policy maximum is just the outer limit.
How Does the Deductible Work
The deductible is the first amount of the covered bill that is the insured person's responsibility, before the insurance starts paying. The insured person has to first satisfy the deductible, before the insurance starts paying.
Deductible Applied to the Fixed Benefits
The Visitor Secure plan pays a limited amount for every service and treatment. The deductible for limited coverage plans, is applied to the fixed benefit amounts, and not the amount that the doctor's charge. For example, for a $50,000 policy maximum, the plan pays $3,300 for covered surgeries, for people below 70 years of age. Now the surgery can cost $15,000 or $40,000, the insurance would pay a maximum up to $3,300. If you choose a $100 deductible, the deductible would apply to the fixed amount $3,300, and not the bill amount that the providers charge. The insurance would pay $3,300 (fixed benefit amount)-$100 (deductible) = $3,200
Visitor Secure has a per-incident deductible, i.e. deductible applies once to each separate sickness or injury.
So for example if you need to go to the doctor for a fever, you are responsible for one deductible for the fever, then the plan would pay the fixed amounts for every service or treatment related to the fever (doctors visit, lab work, x-ray etc). You do not have to pay any more deductible for follow up visits of the same sickness or injury. Now if you need to go to the doctor for a different sickness or injury e.g. hip injury, not related to the fever, then, you would be responsible for a new deductible. The plan would again cover the same fixed limited dollar amounts for every service and treatment related to the hip injury.
Visit Any Doctor or Hospital
Visitors Secure Insurance is a limited coverage plan, which means there is no PPO Network. When using your Visitor Secure Insurance policy, you may visit any doctor or hospital of your choice. The doctor, hospital, or other service provider may send the bill directly to the insurance company, or they may require you to pay upfront and file your claim for reimbursement later.
Where Does the Plan Cover
The Visitor Secure covers anywhere outside the insured person's home country and country of citizenship. It covers both in the USA as well internationally outside the USA.
First:You satisfy accumulated medical expenses until your deductible is met.
Then:Insurance pays fixed amount per eligible medical service as outlined in the benefit table below, up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the Visitor Secure Insurance brochure for complete details.