Fixed Benefit (Limited Coverage) Insurance Plans

Fixed benefit visitor medical insurance plans are ideal for travelers looking for inexpensive medical coverage. These plans have specific medical benefit limits for medical expenses. The individual fixed limits are clearly mentioned in the policy brochure and depends on the plan and insurer. Travelers can use the compare tool on this website and select a plan according to their requirements.
For example: if you buy a fixed benefit plan with a medical maximum of $50,000, then the plan will pay only $3,300 for a surgical procedure, if you need an X-ray the plan will pay between $300 and $650 depending on the chosen plan maximum.
These plans are also called Scheduled Benefit or limited coverage Insurance Plans. Typically these plans are much cheaper but have limited benefits when compared to Comprehensive coverage Insurance Plans.
 

Update Quote and buy fixed benefit insurance plans

Age
Start Date
End Date
Coverage Region
Citizenship
Eligibility
  • US and Non US citizens traveling outside their home country.
  • US citizens traveling outside of US, Alaska, Hawaii, Puerto Rico and US Virgin Islands.
  • People visiting US who are over 65 years of age must purchase this plan within 30 days after arriving in the US
Key Features
  • Available for people 80+ with reduced policy maximum
  • Affordable fixed coverage plan with high policy maximum
  • Covers acute onset of pre-existing condition until age 70 up to policy maximum
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $30.69 PER MONTH BUY
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Eligibility
  • Non US citizens traveling outside their home country or country of citizenship
  • For people over the age of 65, coverage must become effective within 30 days of arrival in the US
Key Features
  • Heart Care Plus rider covers stroke or heart attack available for ALL ages.
  • Very affordable fixed coverage.
  • This plan can be purchased for a minimum of 5 days and up to a maximum of 2 years.
  • For people over the age of 70, this plan covers $2500 with the Heart Care Plus rider option.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • Heart Care Plus
  • $37.54 PER MONTH BUY
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Eligibility
Non US citizen traveling to the U.S. for business, pleasure, or to study. Policy must become effective within 12 months of arrival in US

Key Features
  • It is an affordable medical insurance option available to Non-US citizens traveling to the USA.
  • Pre-existing conditions are covered as any other condition for persons under 70 years of age.
  • Being a fixed plan, provides higher policy maximum options like $50,000 and $70,000 for people older than 70 years of age.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $39.06 PER MONTH BUY
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Eligibility
Non US citizens visiting the U.S. for business, pleasure, or to study. The coverage must become effective within 180 days of arrival in US.

Key Features
  • Short term travelers and new immigrants to the USA can buy this medical coverage
  • High maximums available for the 80+ traveler.
  • Pre-existing conditions covered as any other illness for persons under 70 years.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $35.03 PER MONTH BUY
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Eligibility
Non US citizen traveling to the U.S. for business, pleasure, to study, or to visit. Policy must become effective within 24 months of arrival in USA

Key Features
  • It is designed specifically for short term visitors to the USA and offers fixed medical insurance coverage and can be renewed up to 2 years.
  • Offers higher coverage amounts for medical expenses, while staying affordable
  • No Coverage for Age 70 years and over.
  • Acute onset of pre-existing condition is covered up to the policy maximum up to age of 70.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $32.90 PER MONTH BUY
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Eligibility
  • Non US citizen traveling to the U.S. for business, pleasure, to study, or to immigrate. Policy must become effective within 24 months of arrival in USA
  • Suitable plan for Green Card holders visiting US for short term.
Key Features
  • Can be used for short term trips, but is designed for immigrants to the US with or without Green Cards.
  • Can be renewed up to 5 years while immigrants await domestic coverage.
  • Is available for any age of traveler.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $37.24 PER MONTH BUY
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Eligibility
Non US citizen traveling to the U.S. for business, pleasure, or to study. Policy must become effective within 12 months of arrival in US

Key Features
  • Offers affordable fixed coverage for individuals and families.
  • The minimum period of coverage is 5 days, maximum is 364 days.
Plan Options
  • Select Age
  • Policy Max
  • Deductible
  • $37.24 PER MONTH BUY
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Eligibility
  • Travelers from other countries traveling to North America.
  • Travelers from the age of 14 days to 89 years of age.
Key Features
  • Covers pre-existing conditions coverage up to chosen maximum limit till the age of 69 years. Upon attaining the age 70 benefits will be reduced to a maximum of $25,000.
  • Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000
  • Renewable up to a period of one year.
Plan Options
  • Select Age
  • Coverage   
  • Deductible
  • $37.24 PER MONTH BUY
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What is Fixed travel insurance?

Clearly defined limits under fixed benefits coverage. Fixed travel insurance plan is more affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses. Fixed travel insurance for USA plan is the cheapest options in the market definitely more affordable Fixed benefit travel insurance plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.

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Factors

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Claims Procedure

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