Visitors Care

Limited Coverage

AM Best Rating: A (Excellent)

Carrier/Underwriter: Sirius International

Administrator: IMG

Acute onset of Pre-Existing Conditions

Medical Coverage During Travel

Renewable & Cancelable

Basic Coverage Plan

Coverage from 5 days to 365 days

PPO

First Health Network

Urgent Care

Not Available for Addresses from the Following US States: Maryland
Not available if Home Country/Country of Residences is: United States
Not available for Citizens of: Botswana, Gambia, Ghana, Niger, Nigeria, Sierra Leone & United States
Cannot accept an address in Maryland (MD).

BUY

Visitors Care insurance provides insurance coverage for international travelers visiting the USA.
Visitors Care insurance is a basic travel health plan that has a fixed pre-defined limit for each medical service.
You can visit any doctor or hospital of your choice.

Note: Visitors Care Plan is not available for the resident of Maryland (MD).

The following benefit table shows how much insurance pays for the given covered medical service. If the actual bill is more, the difference will be your responsibility.
Please review Visitors Care Insurance Brochure or Description of Coverage (policy document) for complete and accurate coverage and exclusions.

Applicant's Age 14 days - 79 years

VC $25,000 Policy Maximum	VC $50,000 Policy Maximum	VC $100,000 Policy Maximum
Out-Patient
Dr. / Physician Visit
$40 per visit	$60 per visit	$85 per visit
Urgent Care
$40 per visit	$60 per visit	$85 per visit
Surgical Treatment
$2,000 per surgical session	$3,300 per surgical session	$5,500 per surgical session
Prescription Drugs / Medicines
Up to $250 max	Up to $250 max	Up to $250 max
Lab & X-rays
$400 per period of coverage ($200 per procedure)	$450 per period of coverage ($250 per procedure)	$500 per period of coverage ($500 per procedure)
Physical Therapy
$40 per visit per day, 12 visits per period of coverage	$40 per visit per day, 12 visits per period of coverage	$40 per visit per day, 12 visits per period of coverage

In-Patient
Hospital Room
$825 per day, 30 day max	$1,400 per day, 30 day max	$2,000 per day, 30 day max
Surgical Treatment
$2,000 per surgical session	$3,300 per surgical session	$5,500 per surgical session
Hospital Intensive Care Unit
Additional $400 per day, 8 day max per period of coverage	$660 per day, 8 day max per period of coverage	$850 per day, 8 day max per period of coverage

Emergency Services
Ambulance Expenses
$250 per period of coverage	$450 per period of coverage	$475 per period of coverage
Emergency Room(ER)
$200 max per visit	$330 max per visit	$550 max per visit

Dental
Acute, spontaneous and unexpected pain
Not covered	Not covered	Not covered
Accidental emergency
$550 per period of coverage	$550 per period of coverage	$550 per period of coverage

Travel
Emergency Medical Evacuation / Repatriation
$25,000	$50,000	$50,000
Return of Remains
$25,000 maximum with $5,000 for local cremation/burial.	$25,000 maximum with $5,000 for local cremation/burial.	$25,000 maximum with $5,000 for local cremation/burial.
Emergency Reunion
Not covered	Not covered	Not covered
Return of minor Child(ren)
	Not covered	Not covered
Trip Interruption
Not covered	Not covered	Not covered
Loss of checked Baggage
Not covered	Not covered	Not covered

Life
AD&D
Not covered	Not covered	Not covered
Common Carrier Accidental Death
$25,000 to Beneficiary	$25,000 to Beneficiary	$25,000 to Beneficiary

Other
Pre-Existing Conditions
Acute onset of a pre-existing condition coverage: $25,000	Acute onset of a pre-existing condition coverage: $50,000	Acute onset of a pre-existing condition coverage: $100,000
Maternity
Not covered	Not covered	Not covered
General Physical full Checkup
Not covered	Not covered	Not covered
Terrorism Coverage
Not covered	Not covered	Not covered
Brochure
Visitors Care Insurance Brochure	Visitors Care Insurance Brochure	Visitors Care Insurance Brochure

Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.	Yes. Contact number and details can be found on the ID card.

Applicant's Age 80 - 99

VC $10,000 Policy Maximum
Out-Patient
Dr. / Physician Visit
$50 per visit
Surgical Treatment
$2,000 per surgical session
Prescription Drugs / Medicines
$150 per period of coverage
Lab & X-rays
$650 per period of coverage ($325 per procedure)
Physical Therapy
$25 per visit per day, 12 visit per period of coverage

In-Patient
Hospital Room
$825 per day 30 day maximum per period of coverage
Surgical Treatment
$2,000 per surgical session
Hospital Intensive Care Unit
Additional $400 per day, 8 day max per period of coverage

Emergency Services
Ambulance Expenses
$250 per period of coverage
Emergency Room(ER)
$200 per visit

Dental
Acute, spontaneous and unexpected pain
Not covered
Accidental emergency
$350 per period of coverage

Travel
Emergency Medical Evacuation / Repatriation
$25,000
Return of Remains
Up to $7,500 when coordinated through IMG
Trip Interruption
Not covered
Loss of checked Baggage
Not covered

Life
AD&D
Not covered
Common Carrier Accidental Death
$25,000 to Beneficiary

Other
Pre-Existing Conditions
Optional Coverage of $5,000/2,500 for Myocardial infarction/heart attack and stroke
Maternity
Not covered
General Physical full Checkup
Not covered
Terrorism Coverage
Not covered
Brochure
Visitors Care Insurance Brochure

Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

IMG

Carrier / Underwriter

Sirius International

Eligibility

Can be purchased by non-United States citizens or any visa holders (e.g. L/H/B1,B2) travelling outside their home country. For person over 65 coverage must begin within 30days of arrival in US(condition waived with proof of previous valid insurance ).

Policy Content

What is Policy Maximum?

Policy Maximum is the maximum amount that an insurance policy will pay for covered expenses. If you choose a policy with maximum coverage of say $50,000, and your actual bills are $120,000, the insurance will pay only up to $50,000 for the covered expenses as per the policy.

Note: Policy maximum is the outer limit of the insurance company's liability for the covered expenses only. Do not assume that insurance pays for everything up to policy maximum. All applicable limits and exclusions will apply.

What policy maximum should I choose?

This type of plan pays based on fixed pre-defined benefits. Higher the policy maximum, better are the benefits. It is a good idea to select a higher policy maximum such as $100,000 or more for better benefits.

Note: These suggestions are based on generic guidelines of how the insurance policy works and what can be the best possible combination for maximum benefit from this type of policy.

Deductible Content

Annual Deductible or Deductible Per Policy Period

What is Deductible?

This is the amount that you are responsible for paying before the insurance company begins to pay for any covered expenses.

For example: if you purchase a plan with a $250 deductible and incur $1,500 in expenses, the insurance company will begin to reimburse for expenses as per the policy MINUS the deductible on the policy. For this type of plan, you need to pay the deductible only once per year, which means no matter how many medical services you have taken, the deductible is only applied once as long the length of policy is less than 12 months.

What deductible should I choose?

For this type of plan, deductible is applied only once a year. Higher the deductible, lower the premium, so you may consider higher deductible if want to keep the premium low.

The choice also depends on your comfort level, and how much you are ready to pay as a deductible in the event you use the insurance. If there is not much difference in premium, then you may choose lower deductible. $100 or $250 can be a good choice.

Plan Type

Limited Coverage Plan
Plan pays by a pre-defined fixed benefit table.

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Co-pay
(You pay the difference of the fixed benefits defined by the benefit table)

Co-Insurance

No Co-Insurance
(You pay the difference of the fixed benefits defined by the benefit table)

How the Benefits are Paid

After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.

Coverage Type

per life of plan

Deductible Type

Per Certificate Period up to the Maximum Per Period of Coverage (12 months max). If renewed beyond 12 months, new deductible would apply.

Renewability

Can be renewed at one time for a minimum 5 days to maximum coverage period of 12 month. After that the plan can be renewed for up to maximum of 24 months. $5 renewal fee applies for each renewal.

Cancellation

1) No refund available if you need to visit doctors with the policy. 2) Full refund available if cancelled before start date. 3) Pro-rated refund available after start date if no visits the doctors have been made. 4) $25 Cancellation Fee Applicable. 5) Written request or e-mail is required for any cancellation and refund

PPO Network

First Health Network

Coverage Length

Min 5 days-Max 12 Months, coverage can be extended up to 2 years by renewing

Available Deductibles

Choose From: $0, $50, $100
Ages 80 & Over: $50, $100

Available Coverage

Plan A: $25,000 per life of plan
Plan B: $50,000 per life of plan
Plan C: $100,000 per life of plan

Ages 80 & Over
Maximum coverage $10,000 per life time of policy.
Benefit amounts would correspond to Plan A $25,000

Provider Directory

By Provider, Phone Nos. : 800-628-4664 or 317-655-4500

Plan Brochure

Visitors Care Insurance Brochure

Home Country Definition

U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.

US States Restrictions

Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State

Country Restrictions

Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana

Visitors Care Insurance FAQs

Q1: Am I eligible for the Visitors Care plan?

If you are a Non - U.S. citizen travelling outside your home country, you are eligible for this plan. For people over 65, this plan must be purchased within 30 days of arrival in USA. This requirement is waived with proof of previous valid insurance. The minimum coverage period is 5 days and the maximum coverage period is 12 months.

Q2: Can I renew the Visitors Care plan?

Yes, you can can renew this plan, before the policy expires. The policy can be renewed at a increment of minimum 5 days to maximum of 12 months at one time. You can renew the policy for a maximum of 24 months.

Q3: Can I cancel the Visitors Care plan?

Yes, you can cancel this plan. A written request is required for cancellation. If you request for cancellation before the effective start date, you will receive full refund back. After the start date of the policy, refund is possible only if you have not visited doctors or other medical providers during the coverage period. You would get a prorated refund for the number of days left in the policy. $25 cancellation fee would apply. No refund is available if there is a claim on file.

Q4. What does the Visitors Care plan cover? Why is it so much cheaper than the comprehensive plans?

The Visitors Care plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

Q5. What is Deductible? How many times do I need to pay the deductible?

Deductible is the initial amount that you are responsible for, before insurance company starts paying for any covered expenses. The deductible for the Visitors Care plan is once per policy period, whether you go to the doctor for the same or different medical situations. The maximum policy period for the Visitors Care plan is 12 months. For continuous coverage, without break, for up to 12 months, the deductible would be one time. The Visitors Care Policy however, can be renewed up to a maximum of 24 months. If you renew the plan beyond 12 months, a new deductible would apply.

For example:If you initially purchased the plan for 3 months, and renew it before it expires for another three months, you would not need to deal with the deductible, if you have already satisfied in the first three months of coverage. After 12 months of continuous coverage, if you still need to renew the policy, a new deductible would apply.

Q6: How does the Deductible work in Visitors Care Plan?

The Visitors Care Plan pays a limited fixed amount for every service and treatment. The policy maximum is just the outer limit. The deductible for limited plans is deducted from the fixed benefit amounts, and not the amount that the provider's charge.

For example: For a doctor's visit for a $50,000 policy maximum, the plans pays up to a maximum of $55. If you choose a $50 deductible, then for the first doctor's visit, the Plan would pay (eligible amount $55- $50 deductible)= $5, irrespective of the amount that the providers charge. Since the deductible is one time in the policy period, after this the plan would a fixed dollar amount for every covered service and treatment, based on the schedule of benefits.The maximum policy period for the Visitors Care Plan is 12 months. The deductible would reapply again, if you continue to renew the plan, even after 12 months of continuous coverage.

Q7: Does this plan cover any pre-existing conditions?

The Visitors Care policy offers coverage for acute onset of pre-existing conditions which is the sudden an unexpected recurrence of pre-existing conditions.

Q8: Which doctor or hospital can I go to?

You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Visitors Care, which is the FirstHealth PPO Network.

You can search for doctors or hospitals in the Provider Directory.

Q9: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

Q10. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q11. When will I receive my ID card?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. You can print out the ID card after you purchase the insurance and it will be emailed to you as well. Keep the email safe and keep a printed copy as well.

While purchasing the plan you can choose how you would like to receive your ID card. There are 3 options available. By default you receive the ID card in your email. You can also choose if you wish to get the ID card by Regular mail or by Express delivery which charge you additional fee (20.00 USD).

Q12: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q13: Where can I find the claim information?

Please refer to the following article for the claim process: Visitor Insurance Claim Process

Q14: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Primary Traveler

Are any of the travelers a US citizen?