Grand Ammjays Fairview Inn

Travelling overseas for either a vacation or work is always something that people look forward to eagerly. But falling ill and getting proper medical services overseas, and especially bearing the huge costs of these medical facilities, is something that can turn out to be a big headache.

If you are a non-US citizen visiting the United States for a short period for business, pleasure, studies, or immigration, you are eligible to apply for inbound guest insurance. Having this insurance will be a big help in covering the costs of certain fixed medical facilities that you may need while on your visit.

In order to be eligible for inbound guest medical insurance coverage, you have to purchase it within 180 days of your arrival in the country. One policy will cover you for 6 months, and you need to first go back to your home country and then re-apply for a new policy after this period. All non-US citizens who are over 14 days of age are eligible, though inbound guest medical insurance differ for different age groups.

There are various inbound guest insurance plans available. For the age group 14 days to 69 years, there are four amounts of coverage- $45,000, $65,000, $85,000, $120,000. For age 70 years and over, there are two options- $40,000 and $60,000. Inbound guest insurance will provide your policy maximum based on the particular plan you have chosen from these options.

This deductible amount will depend on the age group that you fall under. For the 14 days to 69 years category, they are $0, $50, and $100, and for those 70 and above, $200.

Your inbound guest insurance policy will, within your plan limits, cover these particular costs incurred- the hospital charges for room and board, intensive care unit, the fees for physicians, nursing, surgeries etc. Your inbound guest insurance plan will also include costs of diagnostic tests like X-rays and lab services and the cost of medicines. For dental health, only the costs for injury to healthy natural teeth are covered.

Inbound guest insurance will, within your policy limits, also cover injuries sustained in common carrier accidents sustained, and provide dismemberment benefits, as also the costs for repatriation of remains. Emergency medical evacuation, physiotherapy and ambulance costs are also covered under this.

If you need to renew your inbound guest insurance plan, you can do so online by paying an administration fee of $5, and increase the policy term for a minimum of 5 days. Also, always remember to save your itemized medical bills in order to claim your insurance.