Questions and Answers for Visitor Travel Medical Insurance - II

• What is the difference between the scheduled benefits plan and a comprehensive plan?
• Why should I purchase insurance with an American company and not buy insurance in my native country?
• There is such a wide array of choices between insurance plans offered by different companies. How do I know what to purchase?
• When should I purchase the insurance?
• My parents are not yet here, can I purchase insurance for them in their absence?
• Is the insurance plan refundable should I leave the country during its validity?
• What is the proof of my purchasing insurance?
• How do I purchase the insurance? When does the insurance take effect?
• Can I purchase insurance for only part of the stay of my parents in the US?
• Is the insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months ?
• What is the minimum duration for which insurance can be purchased?
• How are the insurance companies rated?
• Do I need a Social Security number to complete the form?
• Can I go to any doctor/hospital, or am I limited to specific medical practitioners?
• How do I find out which doctors are part of a given insurance network?
• Can you give an example of my medical expenses with different insurance plans?
• Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?
• What is a deductible?
• What are the different types of deductible?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• What is co-insurance?
• Is it safe to purchase Insurance online?
• Who/What is the beneficiary (AD&D Beneficiary)?
• Is there any medical test required before we can buy the insurance?

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