Visitors Care

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: Non-US citizens aged 0-99 traveling outside their home country.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Policy can be renewed up to maximum of 24 months, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under 70 Age Plan A($25,000), Plan B($50,000), Plan C($100,000).
  • Coinsurance:  Not Applicable.
  • PPO Network: Visit any doctor/hospital.
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

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Age(0-79)

Plan A

$25,000

Age(80-99)

Plan A

$10,000

Age(0-79)

Plan B

$50,000

Age(0-79)

Plan C

$100,000

Doctor Visit

Up to $40 per visit, 30 visits per period of
coverage

Up to $40 per visit, 30 visits per period of
coverage

Up to $60 per visit, 30 visits per period of
coverage

Up to $85 per visit, 30 visits per period of
coverage

Hospital Room and Board

Up to $825 per day, 30 day maximum per period of coverage

Up to $825 per day, 30 day maximum per period of coverage

Up to $1,400 per day, 30 day
maximum per period of coverage

Up to $2,000 per day, 30 day maximum per period of coverage

Ambulance

Up to $250 per period of coverage

Up to $250 per period of coverage

Up to $450 per period of coverage

Up to $475 per period of coverage

Prescription

$250

$250

$250

$250

X-Ray & Lab

Up to $400 per Period of Coverage

($200 per procedure)

Up to $400 per Period of Coverage

($200 per procedure)

Up to $450 per Period of Coverage

($200 per procedure)

Up to $500 per Period of Coverage

($200 per procedure)

 Complete details are given in certificate of insurance.

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  • Pre-Existing conditions - Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance.
  • Treatment or surgeries which are elective, investigational, experimental or for research purposes.
  • MATERNITY AND NEWBORN CARE: Charges for pre-natal care, delivery, post-natal care, and care of Newborns, including complications of Pregnancy, miscarriage, complications of delivery and/or of Newborns are excluded from this insurance
  • MENTAL OR NERVOUS DISORDERS: Charges for Treatment of Mental or Nervous Disorders are excluded from coverage under this insurance.
  • PREVENTATIVE CARE: Charges for Routine Physical Examinations and immunizations are excluded from coverage under this insurance. 

Complete details are given in certificate of insurance.

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Acute Pre-Ex Coverage

Acute Onset of pre existing Condition for

PLAN A : $25000 max per coverage period (Subject to sub-limits below)

PLAN B:$50000 max per coverage period (Subject to sub-limits below)

PLAN C:$100,000 max per coverage period (Subject to sub-limits below)

Acute Onset of Pre-existing Condition means a sudden and unexpected outbreak or recurrence of  a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

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You can use the First Health Network to search for Doctors/providers.
 

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Visitor Care plan can be purchased for up to 12-month period and be extended up to 24 continuous months. Renewal is available in daily increments and may be completed online. For each renewal you will be charged an additional $5 processing fees.

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The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions, and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid.

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All claims and related claim information should be filed with the Company through the Plan Administrator at the contact information below, or online at www.imglobal.com/member as soon as possible.

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