Tokio Marine HCC

Visitor Secure Insurance Reviews

  • Cheap and affordable plan.
  • Offers Coverage from $50,000 to $130,000.
  • Offers coverage for pre-existing conditions.

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A working example of using Visitor Secure travel insurance (Offered by Tokio Marine HCC) *

Let us take an example of Plan-A: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Total medical expenses is $25,000
The Visitors Secure plan covers clearly defined amounts for different medical situations up to a medical maximum coverage ($50,000). The insured must pay the deductible ($100). After that, the insurance plan pays fixed amount as defined in the policy for specific treatment. In this hypothetical example described in the table, the insured has to pay $16,850. This is the difference between the fixed amount the insurance pays and the actual billed amount.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 (3,000 * 3 for 3 days) $4,350 (1,450 * 3 for 3 days) $4,650
Surgery $15,000 $3,300 $11,700
X Ray $1,000 $500 $500
Total $25,000 $8,150 $16,850
* Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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