Visitors to USA can purchase a visitors insurance plan that will provide coverage for doctor’s consultation fees, laboratory diagnostic fees, hospitalization payments, in and out patient charges, surgery charges, or any lab work such as blood tests, prescription drugs, as long as you have a valid visitor insurance policy that has not expired. And many of these visitors medical insurance or visitor health insurance plans can now be purchased from your home country like India or China. But, before you purchase one of these home-based visitor insurance policies, beware of the associated pitfalls and broken promises these plans from Indian or Chinese providers have in the real world.
People become short sighted and purchase a low cost visitor insurance from India or China (including Taiwan or Hong Kong) and later find that the plan acceptance and claims reimbursement are not always as good as they have been promised. On the other hand, in the United States, insurance companies are regulated by the Department of Insurance in the respective states and the insurance consumer can be sure of the level of trust and service as claimed in the policies offered by USA based providers. There are many insurance companies that provide visitor health insurance coverage in the USA, and as a insurance consumer they are better protected by the quality of visitors insurance coverage the USA plans have to offer.
The other difference between Indian or Chinese and US visitor insurance policies is that the overseas insurance providers may ask you to pay from your pocket and then claim the money when you are back in home country. In contrast, the visitor insurance USA policies will ask you to pay a minimum amount (called the deductible or co-payment) and they will pay the remaining amount mostly through direct cashless billing to the care giver. Also, some doctors and other care providers in the US do not accept Chinese or Indian visitor insurance plans.
This is why many people prefer purchasing the visitors insurance from the US based companies to prevent any hassles from happening while in USA or after returning to home country. To assist with the challenge of selecting the visitors insurance that suits your needs, VISOA.com provides you with access to many visitor health insurance plans from wide array of USA based visitor medical insurance providers offering outstanding medical benefits for anyone visiting USA.