Options With Inbound USA Insurance Policies

The inbound USA insurance plan is a simple medical health insurance plan for visitors to the United States. The insurance plan is open to non-U.S. citizens who visit the country for travel, studies, business, or immigration. inbound USA medical insurance is a short-term fixed benefit insurance plan that can be renewed for up to 12 months.

With inbound visitor medical insurance, you can choose from plans featuring different maximum coverage amounts. If you are over 70 years of age, there are two plans designed especially for you.

All the varieties of inbound USA travel medical insurance cover physical and mental health. Under physical health benefits,inpatient and outpatient care, including radiation and chemotherapy, surgery, and emergency services are covered. Damage to natural teeth is also covered, subject to conditions, and substance abuse and nervous disorders round off the mental health benefits of the plan.

The inbound visitor medical insurance plan also covers repatriation of remains and emergency evacuation, provided the arrangements are done through the insurance service provider. The plan also provides accidental death and dismemberment benefits.

One of the unique features of the inbound visitor medical insurance plan is the optional benefit that covers an episode of myocardial infarction or stroke due to a pre-existing condition, up to a maximum of $5,000, depending on the options chosen. The plan also covers incidental international trips from the United States to a third country, up to a month.

Your inbound visitor medical insurance plan will not cover planned or known medical issues. That means that pregnancy, previously existing conditions, and scheduled and routine optical and dental care, will all be excluded from the plan. Speech therapy and injury due to an adventure sports-related activity are also excluded.

The complete list of exclusions and benefits can be found in the Schedule of Benefits of the inbound USA medical insurance plan. Fixed benefit plans such as inbound USA insurance also feature benefit limits for each medical condition, and these must be looked at carefully as well.

You can be covered under the inbound USA travel medical insurance plan for a year, and you must apply for a new policy after that period. The plan underwriters are Lloyd’s London, and plan administrators, Seven Corners International. The reputed A.M. Best Company rating for Lloyd’s London is A “Excellent”.

Dan Miller frequently writes about inbound visitor medical insurance