If you’re planning a trip to the United States, one of the first things you’ll need to do is purchase visitor insurance. But what type of visitor insurance should you get? In this blog post, we’ll compare two of the most popular types of visitor insurance plans: fixed coverage and comprehensive coverage. By the end, you’ll know which type of plan is right for you.
Travel medical insurance is vital for anyone traveling outside of their home country. There are two main types of travel medical insurance: fixed and comprehensive. Both have their own benefits and drawbacks, so it’s important to understand the difference before purchasing a policy.
Fixed Coverage: Fixed coverage plans are the most basic type of visitor insurance. They typically have lower premiums and offer fewer benefits than comprehensive plans. Fixed coverage plans will typically cover emergency medical expenses, evacuation, and repatriation. Some fixed coverage plans will also cover trip cancellation and interruption, but this is usually an add-on that costs extra.
As we mentioned before, fixed visitor medical insurance covers a set amount of money for specific conditions or illnesses. The specific conditions or illnesses that are covered by fixed visitor medical insurance will be listed in the policy contract. It is important to read through the policy contract carefully so that you know what is and is not covered under the policy.
Fixed visitor medical insurance policies will typically cover emergency room visits, hospitalization, and doctor’s office visits. Some fixed visitor medical insurance policies will also cover prescription medications. Prescription medications can be very expensive, so it is important to check if your policy covers them before you purchase a policy.
The cost of fixed visitor medical insurance varies depending on a few factors, such as the length of coverage and the age of the insured person. Typically, the older an insured person is, the more expensive their policy will be. This is because older people are more likely to need to use their policy than younger people.
Why Choose a Fixed Visitor Medical Insurance Plan?
There are several reasons why you might choose a fixed visitor medical insurance plan over other types of plans. First, a fixed plan offers predictability and peace of mind knowing how much your coverage will cost. This can be helpful if you’re on a budget and need to stay within certain financial constraints.
Another reason to choose a fixed visitor medical insurance plan is that it provides wide coverage. This means that you’ll be covered for a wide range of services, including doctor’s visits, hospitalization, surgeries, and more. And if you add riders to your policy, you’ll have even more protection against unexpected expenses.
Comprehensive Coverage: Comprehensive visitor insurance plans offer more benefits than fixed coverage plans. In addition to emergency medical expenses, evacuation, and repatriation, comprehensive plans will also cover trip cancellation and interruption, lost baggage, and personal liability. Some comprehensive plans will also offer additional benefits like concierge services and 24/7 customer support.
If you’re traveling to the United States, it’s important to have comprehensive medical insurance in case you get sick or injured while you’re here. U.S. hospitals are very expensive, and even a short stay can cost thousands of dollars. If you don’t have insurance, you’ll be responsible for paying the entire bill yourself.
The best way to get comprehensive medical insurance is to purchase a policy before you travel. You can buy visitor medical insurance online or from a company that specializes in providing travel insurance. Be sure to read the policy carefully so you know what’s covered and what isn’t.
There are many reasons to choose a comprehensive visitor medical insurance plan. First, it provides comprehensive coverage for your medical expenses while you are visiting the United States. This includes coverage for doctor visits, hospitalization, prescription drugs, and more.
Second, a comprehensive plan will provide you with peace of mind knowing that you are covered in case of an emergency. You will not have to worry about how you will pay for your medical expenses if something happens to you while you are away from home.
Third, a comprehensive plan can save you money in the long run. If you need to use your insurance while you are away from home, you will not have to pay out-of-pocket for your medical expenses. This can add up to significant savings over time.
Fourth, a comprehensive plan can give you access to better quality medical care. When you have insurance, you can choose to see a doctor or hospital that is in your network. This means that you will likely receive better quality care than if you were to pay for your medical expenses out-of-pocket.
Fifth, a comprehensive plan can provide you with peace of mind knowing that you are covered in case of an emergency. You will not have to worry about how you will pay for your medical expenses if something happens to you while you are away from home.
There are many reasons to choose a comprehensive visitor medical insurance plan. By considering these factors, you can make sure that you select the right plan for your needs.
One of the best Insurance companies that offer a fixed and comprehensive plan is called INF Insurance. INF Insurance offers different levels of coverage, so you can choose the plan that’s right for you. And if you’re not sure which type of visitor insurance is right for you, their customer service team is always happy to help.
INF Elite plan is a comprehensive plan that will cover 80% or 90% of all eligible medical expenses up to its plan maximum of $150,000, $250,000 and $300,000 for new sickness and accidents for ages 0-69.
The INF Premier plan is a fixed benefit plan meaning there is a list called a “Schedule of Benefits” where the amount listed there is the guaranteed cash component. It will cover up to its plan maximum of $100,000, $150,000 and $300,000 for ages 0-69.
With that said, INF Plans also have UHC PPO discounts on top of the insurance between 50%-90%! The UHC PPO network is a healthcare provider network that is contracted with UnitedHealthcare. The network includes physicians, hospitals, and other healthcare providers that have agreed to participate in the plan and provide care to members at a reduced rate.
So, which type of visitor insurance plan is right for you? If you’re on a budget and are only interested in the bare minimum of coverage, then a fixed coverage plan might be a good option for you. However, if you want the peace of mind that comes with knowing you’re fully covered in case of an emergency, then a comprehensive plan is probably a better choice. No matter which type of plan you choose, make sure to do your research so that you purchase a policy that meets your needs and budget.