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Visitors Insurance Plan Types

Comprehensive Coverage Plans

  • Better coverage without sublimit.
  • Covers serious Medical Expenses.
  • Less out of pocket expense.
  • Good for people who wants to take less risk.

Low Cost Fixed Benefit Plans

  • Basic coverage with sublimit.
  • Low cost fixed benefit plan.
  • More out of pocket at the time of claim.
  • Good for people who wants to take more risk.

Pre-existing Condition Plans

Best Pre-Existing Condition plan

The Policy will not pay for loss or expense incurred as the result of Injury [or Sickness] of the Covered Person or Family Member which manifests itself during the 12 months immediately preceding and including the Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 12 month period.

A Sickness has manifested itself when:

  1. Medical care or treatment has been given.
  2. There exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment.

The plan name is TravMed Choice and Plan Administrator is MEDEX Insurance Services- A division of UnitedHealthCare Global.

Acute onset Pre-Existing Condition Plans

Acute Onset of Pre-existing Condition is - A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs

  1. Spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care.
  2. After the Effective Date.
  3. Prior to age shown in Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of sudden unexpected outbreak or recurrence.

A Pre-ex Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to Effective Date are not considered to be an Acute Onset.

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