If a fixed benefit medical insurance plan is what they are looking for, visitors to the United States can consider inbound USA insurance for their short-term medical insurance needs. The plans, which offer typical temporary insurance benefits, can be renewed for up to one year.
Inbound USA Insurance offers several plans that you can choose from. Each plan has different coverage amounts, and applicants can choose the plan that works best for them. Two of the plans are designed for people over 70 years of age.
All the varieties of inbound USA 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.
In case you are in an emergency, your evacuation to safety, and the sending home of remains in the unfortunate case of your death are also covered by inbound USA travel medical insurance. However, the evacuation must be organized through the insurance service company. Accidental death and dismemberment are also covered.
If you sign up for the inbound USA medical insurance plan, you can opt for extra coverage for the sudden recurrence of myocardial infarction or stroke, even if the conditions were pre-existing. The coverage carries a maximum benefit of $5,000. The plan also acts as an international plan, and covers any trips you might make from the United States to another country, while on the plan.
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.
It is best to check the inbound visitor medical insurance plan Schedule of Benefits to know exactly what will be covered and what will be excluded from coverage. It is also important to check the limits for each illness as noted in the detailed Schedule of Benefits.
The Inbound USA plan can be renewed for a year, after which the plan holder must apply for a new policy. Lloyd’s London, rated A “Excellent” by A.M. Best, is the underwriter of the Inbound USA plan, and Seven Corners International are the administrators of the plan.
Dan Miller frequently writes about inbound USA insurance
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