Visitor Health Insurance: Using the Plan | Insurance

By Raj
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Purchase visitor health insurance for all foreign visitors whom you host. If visitors fall sick or injure themselves then the insurance coverage can protect the host family from big bills. Coverage can be purchased from the day one departs the home country till the day one returns home (including the the days in transit).

Upon purchaes of the plan double check the insurance ID cards and insurance certificate are correct. For immediate coverage confirmation you can request the ID cards be emailed to you. The cards must be in the possession of the insured at all times.

Most insurance plans require you to use facilities within a contracted network of providers (hospitals & doctors). By visiting them you can maximize the benefits offered by the insurance company. Note down the phone numbers and other contact information for the facilities in the areas you plan on visiting.

The insurance card will provide an Assist number to contact in case you need any information regarding benefits and eligibility. Procedures stipulated by the insurance company must be followed when you seek treatment. Certain treatments may require precertification before the procedure.

If there is a life threatening emergency you must call 911 for assistance. In other cases it is best to make an appointment with a physician. If you need help outside of normal business hours, you must go to an Urgent Care Center. Do not go to the Emergency Room if it is not an emergency. Most plans will not cover ER visits if the visit does not lead to hospitalization or is not of an emergency nature.

Payment for services rendered can be made directly to the facility by the insurance company. In some cases the doctor may require payment at the time of service and the insured can collect the reimbursement from the insurance company. This is the choice of the doctor. Keep all the copies of treatments and payments. All the receipts must be sent along with the claim form. Reimbursements can take several weeks.

About the Author

About the Author: C. Nataraj works in the US Insurance segment. Nataraj often writes about visitor health insurance and he provides online guidance on visitor medical insurance.

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