Travel Health Insurance Glossary
Visitor Health Insurance USA
Insurance Glossary of Terms used in Visitors Health Insurance, Visitors Medical Insurance, Travel Health Insurance, Travel Medical Insurance
Travel Medical Insurance Glossary provides general descriptions of commonly used terms in international travel medical insurance industry. It should be noted that there are differences between plans and that they all do not function in the same way. Please refer to individual insurance policy brochures and/or policy/certificates of insurance for complete details about each insurance plan.
Travel Health Insurance Glossary
Visitor Insurance Plans & Coverage
- Visitors Insurance – For visitors to USA or international travelers, ideal option for relatives or parents visiting USA.
- Global Health Insurance – For expatriates, worldwide residents or workers.
- International Student Insurance – For foreign students studying in America or outside home country.
- Group Travel Insurance – For groups of five or more visiting USA or traveling across borders.
- Multi Trip Insurance – Annual travel medical insurance plan for business travelers or globetrotters.
- Immigrant Insurance – For immigrant visa holders or new immigrants on green cards.
- J1 Visa Insurance – For exchange visitors as cultural program participants, au pairs, or research scholars, etc.
- Schengen Visa Insurance – For travel to Europe as tourist on vacation with Schengen visa.
- Trip Cancellation Insurance – For protection of trip costs for international travelers, vacationers, or cruise travel.
Need info on other international travel medical and health insurance plans, please contact us.
Travel Health Insurance Glossary provides general descriptions of commonly used terms in international travel health insurance industry. It should be noted that there are differences between plans and that they all do not function in the same way. Please refer to individual insurance policy brochures and/or policy/certificates of insurance for complete details about each insurance plan.
A model of HMO and PPO organizations that uses the insured’s primary care physician (the gatekeeper) as the initial contact for the patient for medical care and for referrals.
Hazardous sports coverage:
Coverage for injuries incurred during amateur athletic activities which are non-contract and engaged in by an insured person solely for leisure, recreation, entertainment or fitness purposes.However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. Usually, following hazardous activities can be included by optional sports rider at additional premium cost: scuba diving, mountain climbing(up to 4500 meters or where ropes or guides are normally used), jet, snow and water skiing and snowboarding, sky diving, amateur racing, piloting an aircraft, bungee jumping and spelunking.
Health Maintenance Organization (HMO):
A prepaid medical service plan in which specified medical service providers contract with the HMO to provide services. The focus of the HMO is preventive medicine.
A facility for the terminally ill that provides supportive care such as pain relief and symptom management to the patient and his/her family. Hospice care is covered under Part A of Medicare.
An insurance policy (life, health, or disability) that provides coverage for an individual person (and, in some cases, his/her immediate family members), as opposed to a group policy that provides coverage for a group of individuals such as coverage through an employer.
A contract whereby one party (insurer) agrees to indemnify or guarantee another party (insured) against a loss by a specified future contingency or peril in return for payment of a premium.
Integrated LTC Rider:
A rider that is added to a life insurance policy to pay Long-Term Care benefits. The amount of benefits available for LTC depends upon the life insurance benefits available; however, the benefits paid toward LTC will reduce the life insurance policy’s benefits.
Organizations that process inpatient and outpatient claims on individuals by hospitals, skilled nursing facilities, home health agencies, hospices and certain other providers of health services.
Long-Term Care (LTC):
Health and social services provided under the supervision of physicians and medical health professionals for persons with chronic diseases or disabilities. Care is usually provided in a Long-Term Care Facility which is a state licensed facility that provides services.
This benefit will be paid in the event that the common carrier permanently looses an insured person’s checked luggage.This coverage is secondary to any other available coverage, including the carrier’s.
Medical Information Bureau (MIB):
An information database that stores the health histories of individuals who have applied for insurance in the past. Most insurance companies subscribe to this database for underwriting purposes.
Multiple-Employer Welfare Association (MEWA):
Any entity of at least two employers, other than a duly admitted insurer, that establishes an employee benefit plan for the purpose of offering or providing accident and sickness or death benefits to the employees.
Non-admitted or Non-authorized carrier is an insurance company that has not applied for, or has applied and been denied a Certificate of Authority and may not transact insurance in a particular state.
Omnibus Budget Reconciliation Act:
A federal law which extends the minimum COBRA continuation of group health care coverage from 18 to 29 months for qualified beneficiaries who are disabled at the time of qualification.
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