Visitor Secure Insurance

HCCMIS has introduced a new product called Visitor Secure which is a cheap and affordable scheduled plan for visitors to USA. This product while similar to the older immigrant secure product has certain unique additional benefits.

  • Brochure
  • Working Example
  • Advantages
  • Disadvantages
  • Fixed Benefit Plan
  • ID Card

Visitor Secure Plan benefits for travelers aged 14 days to 99 years

Age
Age 2
Start Date
End Date
Coverage Region
Citizenship
Visitor Secure Plan A
Maximum
$50,000
Deductible
Visitor Secure Plan B
Maximum
$75,000
Deductible
Visitor Secure Plan C
Maximum
$100,000
Deductible
Visitor Secure Plan D
Maximum
$130,000
Deductible
Plan maximum per injury/sickness
$50,000 $75,000 $100,000 $130,000
Inpatient
Hospital Room & Board
$1,450 per day, maximum 30 days $1,725 per day, maximum 30 days Up to $2,000/day, 30 day max Up to $2,585/day, 30 day max
Hospital Intensive Care Unit
$2,200 per day, maximum 8 days $2,600 per day, maximum 8 days $3,000 per day, maximum 8 days $3,800 per day, maximum 8 days
Surgery
$3,600 per session $4,800 per session $6,000 per session $7,800 per session
Consultant physician
$450 maximum $475 maximum $500 maximum $650 maximum
Private duty nurse
$550 maximum $550 maximum $550 maximum $700 maximum
Physician visits
$60 maximum per visit, 30 visits max. $75 maximum per visit, 30 visits max. $90 maximum per visit, 30 visits max. $115 maximum per visit, 30 visits max.
Outpatient
Surgical
$3,300 per session $4,400 per session Up to $5,500 per session Up to $7,150 per session
Outpatient surgical facility
$1,100 maximum $1,150 maximum $1,200 maximum $1,500 maximum
Pre-admission testing
$1,100 maximum $1,100 maximum $1,100 maximum $1,450 maximum
Diagnostic x-ray and labs
$500 maximum, plus $400 for one CAT Scan, MRI or PET $550 maximum, plus $450 for one CAT Scan, MRI or PET $600 maximum, plus $500 for one CAT Scan, MRI or PET $750 maximum, plus $650 for one CAT Scan, MRI or PET
Emergency room (all expenses incurred therein)
$375 maximum $485 maximum $600 maximum $785 maximum
Observation room services
$355 maximum $465 maximum $575 maximum $750 maximum
Outpatient prescription drugs
$150 maximum $200 maximum $250 maximum $300 maximum
Office visits, including urgent care
$70 allowable per visit, 10 visits max. $85 allowable per visit, 10 visits max. $100 allowable per visit, 10 visits max $130 allowable per visit, 10 visits max
Other
Anesthesiologist
$825 $1,110 $1,375 $1,775
Assistant surgeon
$825 $1,110 $1,375 $1,775
Local ambulance
$500 maximum
Dental accident
$550 maximum
Physical therapy
$40 maximum per visit, 1 visit per day, maximum 12 visits
Mental & nervous disorder & substance abuse
Same as any illness
Durable medical equipment
$1,100 maximum $1,200 maximum $1,300 maximum $1,700 maximum
Other Benefits (not subject to deductible or overall policy maximum)
Emergency medical evacuation
$50,000 lifetime maximum, except as provided under acute onset of pre-existing condition. Available only to members under age 70.
Repatriation of remains
$25,000 per member
Local burial & cremation
$5,000 per member
Common carrier accidental death & dismemberment
$25,000 lifetime maximum principal sum per member Death or loss of two limbs - principal sum Loss of one limb - one-half the principal sum
Acute onset of pre-exiting condition (only available to members under age 70)
$25,000 lifetime maximum for emergency medical evacuation
$50,000 lifetime maximum for eligible expenses $75,000 lifetime maximum for eligible expenses $100,000 lifetime maximum for eligible expenses

Tokio Marine HCC(HCCMIS) Visitor Secure plan summary

underwriters   Underwriter
  • Underwritten by Lloyds, London.
 Insurance Provider   Insurance Provider
emergency-care   Coinsurance?
  • No Coinsurance
 Eligibility
Eligibility
  • Travelers traveling outside their home country and who are over 14 days of age.
  • US citizens must be traveling outside of the continental US, Alaska, Hawaii, Puerto Rico, and the US Virgin Islands in order to be eligible.
  • For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.
Best Rating
Rating
  • AM Best Rating: A++ (Superior)
  • Standard & Poor’s Rating: AA-
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