Medical care is very expensive in USA and it is not possible to bare expenses by means of solely your bank account. That is the reason every one visiting USA should have visitor health insurance. USA Visitor Medical Insurance is a short-term medical insurance, which may cover a person from 0 days up to 3 years.

The USA Visitor Medical Insurance Plan will provide you coverage for doctor’s consultation payments, hospitalization charges, in and out patient charges, surgery, or any lab work such as blood tests, prescription drugs even after your policy has expired.

It is a must to check the benefits of the plan before you purchase it. It is crucial to remember that the visitor insurance plans never cover the preexisting conditions.

You may think what kind of visitors insurance should you buy, if you are your parents or in-laws visiting USA first time. Some people buy insurance from their respective nations itself, which is low cost. For e.g. if you have bought visitor insurance from a UK based company, then insurance policies in USA will help cover you.

There are different insurances companies offering different types of visitor health insurance coverage in USA. There is a lot of difference in Indian and USA visitors insurance policies. The Indian insurance policy makes you shell out of your pocket and claim the money when you are back whereas USA insurance policies will make you pay minimum and the remaining amount will be paid by the insurance company.

Some of the doctors in the US do not accept the Indian visitor insurance policy. This is one reason why you should buy an insurance policy from the US companies to avoid these hassles regarding the claims.

There are two types of plans provided by the USA visitors medical insurance plan viz. fixed and comprehensive coverage plans.

* Fixed Coverage Plan: Fixed coverage plan is much more expensive than comprehensive coverage plan. In such type of plans, the deductible has to be paid first ( can be once per incidence or per period of policy), after this the insurance company pays up for the net maximum amounts that are needed for different procedures as $55 for doctor’s office visit, $1400/day for hospital room charges, $3300 for surgery treatment, and etc You should pay the balance. $50,000 or $100,000 policy maximum is the overall limit for total of all the scheduled benefits,

Ensure that your expectations are met with as the prices are very attractive than the comprehensive plans before you purchase visitor health insurance plan. Be very careful while selecting the plans as they pay a fixed amount for each procedure.

Some of the well-known fixed coverage plan providers are IMG (Plan Name: Visitors Care) and SRI (Plan Name: INBOUND USA).

* Comprehensive Coverage plan: A visitor insurance plan is slightly more expensive as compared to fixed plan insurance,which is almost twice the premium, but provides much better coverage than fixed coverage plan.

In such type of visitors insurance plans, the deductible needs to be paid up (can be once per incident or per the period of policy), 80% for the first $5000 is paid for by the insurance company, while the remaining 20% has to be paid by you. After $5000, insurance will pay 100% up to a policy maximum for qualified medical expenses.

In some plans, you pay the first 20% of the $5000 once in policy period and in some plans you will have to pay 20% of first $5000 for every incident.