• International Insurance Blog

  • Monday, December 18, 2017

Q: Can I purchase international medical insurance for my parents before they reach?

A: Yes, you can purchase international medical insurance for your parents before they reach. You can complete the purchase on their behalf. You will need some information including their passport number and home country address before you can complete the purchase.

Q: When should I purchase my international travel insurance plan?

A: Always purchase your international travel insurance plan only after your dates of travel are confirmed. Once you have purchased your tickets, you can purchase your plan to start on the day of your departure from your home country.

Q: How do I select a plan among the many choices for international health insurance?

A: There are many international health insurance plans available. You can compare the features and benefits of each plan to select the plan that meets your needs. You can also call us at 877 593 5403 to discuss your requirements to get suggestions and plan choices.

Q: Is it better to buy international insurance from an American company?

A: It is a good idea to purchase international insurance underwritten and administered by a US company. Doctors and other providers in the US are comfortable dealing with US based companies for billing and other claim procedures. For international insurance plans administered by companies overseas, you must pay the claim first and get a reimbursement after you go back to your home country.

Q: What is the difference between a Fixed Benefit and Comprehensive international medical insurance plans?

A: Fixed Benefit plans usually offer coverage at the lowest cost. These plans offer coverage with limits on the amount paid for each medical service. The benefit limits are pre-set for each service, Eg some plans may limit payments for doctor visits to $55, hospital charges to $1500 per day. This is the amount the insurance will pay for covered expenses, any difference between the actual charges and the covered amount must be paid by the insured.

Comprehensive Plans offer coverage without sublimits for each medical expense. The Policy Maximum limit is the limit for all the allowed expenses combined. If a plan has a policy maximum of $50,000 that is the maximum amount that will be paid for all expenses combined. Comprehensive plans may have a co pay percentage and deductibles that require payment contributions from the insured but these expenses are fixed and known.

Q: What is the definition of a pre-existing Medical Condition?

A: A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or during the past duration (specified by each insurance plan) prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related to thereto or arising there from. Each plan has it own definition of a Pre exiting condition. It is a good practice to review the brochure for the plan of interest.

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