Visitor Health Insurance covers expenses for medical conditions of a visitor traveling outside his home country. These conditions should occur after the purchase of a visitor health insurance plan. Visits to the doctor, hospital charges, X-rays, medical labs, ambulance services, prescribed medication and surgical procedures are usually covered. Your requirements from a plan should be discussed with a trusted and authorized visitor insurance service provider like MultiChoice Insurance Services (MCIS).
Visitor insurance is recommended to buy before a traveler visits another country. It offers protection against medical emergency, trip interruptions, emergency dental, natural disaster, repatriation of remains, accidental death and dismemberment, loss of baggage, physical therapy etc. that may arise during the trip. However, different plans have different coverage. Visitors insurance starts the very next day of the purchase or any specified future date.
A medical condition (injury, sickness, disorder, ailment or any mental condition) which has been treated or not, diagnosed or not, known to the insured person or not, and that existed before the coverage of any health insurance plan begins, is a pre-existing condition. Diabetes, Blood Pressure, Heart problems, Pregnancy, Asthma, Acne, Alzheimer etc. are some of the examples of pre-existing conditions. These medical conditions are pre-existing because they do not appear overnight after purchase of any health insurance. Some companies have a look back period ranging from past 6 months upto five years. The occurrence of pre-existing conditions often brings lot of mental trauma for parents visiting their families in a foreign country. Therefore, it is of critical importance to have a visitor insurance plan that offers coverage for acute onset of pre-existing conditions.