International Major Medical Plan for Visitors to USA

  • Who: Available to foreign nationals/resident aliens residing or visiting the US for business or vacation who need temporary major medical insurance. Ideal for foreign nationals visiting the USA or moving to the USA, foreign nationals employed by a US company who reside in their home country, or foreign nationals employed by a US company working outside their home country.
  • What: Plan provides coverage for hospital expenses, physician services, skilled nursing facility, home health care, medical evacuation, prescription drugs, ambulance services, emergency return home, trip cancelation benefit, repatriation of remains, lost luggage, war and terrorism coverage, recreational and non-professional sports activity coverage.
  • Where: Coverage available for non-US Citizens in the US or outside the home country (US address required).
temporary  medical insurance for business or vacation

Why is International Major Medical Insurance Good for Visitors?

International Major Medical Plan provides temporary major medical insurance plan designed to cover foreign nationals/resident aliens while they are residing in or visiting the USA. The International Major Medical plan covers eligible expenses incurred by the insured as the result of an illness or injury. After the deductible has been met the plan pays 100% of the eligible expenses. The insured has the flexibility to see any doctor or any hospital within the USA but can use the First Health Network for negotiated rates. The plan can be bought for as little as a day to a maximum of 6 months.

Plan Benefits: Coverage for in-patient and out-patient medical accidents & illness up to $1 million, The plan includes benefits for Evacuation, Repatriation of Remains, trip cancellation, lost luggage, accidental death. Plan provides coverage for hospital expenses, physician services, skilled nursing facility, home health care, medical evacuation, prescription drugs, ambulance services, emergency return home, trip cancelation benefit, repatriation of remains, lost luggage, war and terrorism coverage, recreational and non-professional sports activity coverage.

Pre-existing: Pre-existing conditions are not covered

PPO Hospital Network: The plan follows the First Health Network 

Special Feature 1: Recreational and non-professional sports activity coverage.

Special Feature 2: Optional Hazardous activity, Cardiac and Cancer Benefit, and War & Terrorism Coverage.

visitors insurance for tourists and foreigners in US

What Coverage and Benefits are offered by International Major Medical Plan?

The International Major Medical Plan insurance is a temporary major medical insurance plan available for up to 6 months of coverage for visitors to the US traveling either for business or vacation. Eligible expenses caused by a covered illness or injury resulting in inpatient hospital services or outpatient doctor services are covered by the policy. The plan also includes coverage for recreational and non-professional sports activity coverage. You have the option to add hazardous activity and War and terrorism coverage riders.

You can review the complete benefits in the Brochure

Coverage Highlights:

  • Hospital Expenses, Physician Services, Ambulance Services
  • Prescription Drugs
  • Recreational and non-professional sports activity coverage. 
  • Repatriation of Remains
  • Lost Luggage and Trip cancellation
  • Accidental Death
  • Optional coverage for hazardous sports, Cardiac and Cancer Benefit and War & Terrorism Coverage

Benefits of International Major Medical Plan

BenefitCoverage Amount up to 69 yearsCoverage Amount between 70 – 84 years 
In-patient HospitalFrom $50,000
to $1,000,000
From $50,000
to $250,000
Out-patient ClinicFrom $50,000
to $1,000,000
From $50,000
to $250,000
Doctor VisitFrom $50,000
to $1,000,000
From $50,000
to $250,000
Prescription DrugsFrom $50,000
to $1,000,000
From $50,000
to $250,000

 

What is the Price or Cost of International Major Medical Plan?

The pricing is dependent on the following factors:

Plan Limit: There are various options to choose from.  The higher the policy maximum, the higher will be the premium. Plan offers five plan limits of $50,000, $100,000, $250,000, $500,000 or $1,000,000 for ages up 69 years. The choice of policy maximum changes per age.

Age: The plan is available till the age of 84 years.

Coverage Days: The plan can be bought up to a maximum of 6 months.

Optional Coverage Benefits Riders: Optional coverage can be purchased for:

Cardiac and Cancer Benefit Increase: If you select this option Underwriters will remove the $25,000 limitation on cardiac and cancer-related conditions and Underwriters will consider them to be the same as any other expense. This option is available only to individuals under the age of 60 and it does not waive the pre-existing condition exclusion.

Sports or Activity Coverage: If you select this option, underwriters will reimburse you for eligible expenses that are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.

War & Terrorism Coverage: If you select this option Underwriters will reimburse you for Eligible Expenses which are incurred as a result of Injuries or Illnesses sustained due to war/terrorism or act of war/terrorism. Injuries or Illnesses due to war/terrorism or act of war/terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s) are not covered with this optional benefit.

International Major Medical Plan Price Table

AgePolicy Max Limit $50,000Policy Max Limit $1,000,000 
From 50 to 55 years$221$373
From 55 to 59 years$255$439
From 60 to 64 years$263$455
From 65 to 69 years$267$493
Premiums shown are approximate premiums based on a $250 deductible for 31 days. The exact premium will change per age.

 

FAQ: How does International Major Medical Plan work?

Coverage is available to foreign nationals visiting or working in the US. US citizens who are temporarily unable to purchase domestic coverage due to residency restrictions. Foreign nationals working for a US company needing coverage in their home country or outside their home country.

Coverage becomes effective on the latest of: When the application is approved and premium is received or the date indicated on the application.

Coverage will end on the earliest of: The date requested on the application or till when the premium is paid.

Pre-existing conditions are not covered 

A pre-existing condition means a condition, disease or Injury for which medical advice, diagnosis, care or treatment, including the use of prescription medication including but not limited to ongoing condition(s), was recommended by or received from a licensed health care practitioner, and/or any symptom(s) and/or any condition(s) which would have caused a reasonable prudent person to seek medical attention during the 12 months immediately preceding the Effective Date of the insurance described in this Certificate, whether disclosed or not on Your application.

Though the plan does not restrict you from going to any doctor in the area, to get negotiated rates and 100% coinsurance, you must see a provider in the network.

You can search for providers (doctors, hospitals, Urgent care, etc.) in the network at First Health Network 

 

No, adventure sports are excluded from coverage. However, for an additional premium, the plan offers optional sports or activity coverage. If you select this option, underwriters will reimburse you for eligible expenses that are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.

The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents.  If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.

Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

The International Major Medical insurance plan is not renewable 

This Certificate cannot be canceled, even if the cancellation request is prior to the Effective Date of the Certificate, since the Certificate may have been used to fulfill international VISA regulations and/or governmental travel insurance requirements.

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing

  1. Download and complete the Claims form
  2. Attach copies of all the pages of the passport
  3. Attach the itemized bills
  4. Submit the above within the stipulated time of 90 days after seeing the provider

 

Claims filing address and email:

Underwriter of International Major Medical Insurance Plan 

International Major Medical Insurance is underwritten by Lloyds. 

Reviews of International Major Medical Plan for US Visitors

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