Questions and Answers for Visitor Travel Medical Insurance

Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?

On purchasing insurance from an American insurance firm, you will receive an insurance card with details about your insurance. When you visit the doctor/hospital, the billing office at the hospital will usually make a photo-copy of your insurance card, call the insurance company to verify your policy, and will then bill the insurance company directly. You will have to pay the deductible amount.

In some instances if the medical office has not dealt with this particular insurance company, they might insist that you pay the bill on receiving medical treatment. In this scenario, you would get an detailed bill, which should be sent to the insurance company for reimbursement. International services, Inc advises policy holders to visit hospitals with in the provider network wherever possible.

What is a deductible?

Deductible is the initial amount that you are responsible for before the insurance company pays for the medical expenses. If your plan has a $100 deductible, you pay the first $100 of expenses and then the insurance company pays according to your selected plans coverage. The higher the deductible, the lower the premium cost and vice versa.

What are the different types of deductibles?

Per incident deductible: You pay the deductible every time you get a new medical ailment (either for sickness or accident) before the insurance company pays anything. Inbound USA and Inbound Immigrant from SRI have deductible per incident.

Per visit deductible: You pay the deductible every time you you visit a health care provider (doctor, hospital, laboratory etc..) before the insurance company pays anything.

Per policy period deductible: You pay the deductible only once during the entire policy period, irrespective of how many times you get sick or injured during the policy period.

Annual deductible: You pay the deductible only once in a year irrespective of how many times you get sick or injured during the entire year.

I made a mistake in entering my data while purchasing the insurance, what should I do?

You can email us the corrections and we will have the changes made to your policy and have a corrected policy sent to you. You can also call us at 877 593 5403 but all changes must be requested in writing.