Fixed benefits plans have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Comprehensive plans pays for all expenses after the deductible and co-insurance component and are recommended given the high costs of health care in the US.
#1 Maximum Coverage is the maximum eligible medical expenses that the plan will cover.
#2 Deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses.
*General definition of pre-existing condition:
"A condition a person has been diagnosed with, is being treated for, or has with reasonable medical certainty before the start of the plan". So a person does not need to know they have the condition for it to be considered pre-existing (a diagnosis is not required).
**Definition of Acute onset of pre-existing condition:
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
Find out more about Pre-existing condition visitors insurance
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Read more.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
To ensure that any travel and stay in a foreign country is hassle free and memorable travelers should buy proper visitor medical insurance. Visitor travel health insurance can prevent stress by providing good medical cover for unexpected sickness and injury. We come across many travelers especially older travelers, who along with visitor insurance are suffering from existing medical ailments. In other words they need coverage for acute onset of an pre-existing medical condition. Read more.