The best way to purchase a visitor insurance plan that suits you is to compare and understand what different plans offer and how they are useful to you as a person. Each person has different requirements based on the purpose of their trip, their age, the nature of their trip and the amount they could spend in buying a plan. No matter which plan a traveler chooses, there are certain benefits every plan offers. When you set out to buy a plan, whether online or through an agent, make sure you have handy, all the information that may be needed. You may be buying it for yourself or for family. Continue reading to know what all you need to purchase a visitor insurance plan:
1. Name: Remember to provide the full name (last name, first name) as per your passport
2. Date of Birth: Different countries follow different date formats. For example, India follows DD-MM-YYYY format whereas USA follows MM-DD-YYYY. Whenever you are providing your date of birth details on a form on an insurance agent’s website or you are on phone with an insurance agent, make sure you ask for the desired format and give the details accordingly. The date of birth will be used in accessing your age which goes out in deciding premiums and benefits a plan has to offer to you (in certain age-group). Besides the format, remember to give the date of birth, which is mentioned in your passport.
3. Gender: Do not assume the agent over phone will understand if you are a Mr. or Ms., because different countries have different naming conventions. Provide the correct information to the agent or choose in the online form.
4. Country of Citizenship: Country of citizenship is the country you hold the nationality of. This may be or may not be the country you were born in.
5. Home Country: Home Country is the country of which the insured person is a citizen or national; including any country where he or she maintains his or her primary residence or usual place of abode and any country of which he or she is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the home country is the country meeting the above-listed criteria and listed by the insured as his or her home country on the application.
6. Primary Destination Country: You may be traveling to various countries on your trip but the primary destination country would be the one where you will be spending most of your time.
7. Requested Coverage Effective Date: This indicates the day you want the coverage to begin. Do not forget to include the travel dates as well as the haul consideration. One important thing to remember is the format of the date. Cross check once you provide this information online or to the agent on the phone.
8. Requested Expiration Date: This indicates the day you want the coverage to end. Do not forget to include the travel dates as well as the haul consideration. One important thing to remember is the format of the date. Once you provide this information online or to the agent on the phone, do not forget to cross check.
9. Date of Departure from Home Country: This is the date your trip begins from your home country.
10. Date of Return to Home Country: This is the date your trip ends at your home country.
11. Mailing Address: This includes name, address (street number/street name/apartment number), city, country, state, zip code (postal code).
12. Telephone Number: You can provide either- fixed line number or mobile number. It is necessary to provide at least one of these.
13. Email Address: Agents use email address to send the purchase confirmation as well as the virtual insurance ID cards. Make sure you provide it in the right format.
14. Beneficiary Information: It’s good to supply beneficiary information (the person who is entitled to receive the insured sum in case something happens to the primary insured).
15. Payment Details: This includes your credit card information (name of credit card holder, credit card number, valid until date, and the CVV number (usually at the back of the credit card, some credit cards have it on the front, like Amex).
Once this information is provided to an agent and the payment has been processed, the traveler or the person purchasing the plan will receive a fulfillment kit. This kit includes an identification card, insurance company contact information, claim forms and an insurance certificate describing the insured person’s rights and benefits under the contract. Make sure once you receive this information/kit, check all the information-name, DOB, coverage dates etc. are correct. Contact the agent immediately if there is an error. To obtain a visitor insurance plan that suits your requirements, call MCIS today and do not forget to keep all the above mentioned information handy. MCIS would be glad to help you.
Category: Visitor Insurance
April 11, 2016 at 09:20 PM