Vellore Jaishankar No Comments

Visitor Medical Insurance Claims

When it comes to claims for your visitor medical insurance, there are two types of pay-off methods that are usually used by the visitor insurance companies to pay the bills for you. The first one is immediate fee to the doctor. Once the company has documented your claim, it will pay the physician or the hospital directly. Second process makes you to pay the money first. After this, when the claim and the bills are confirmed, the money is repaid to you.

The procedure for filing visitor medical insurance claims will be detailed in the paperwork the visitor insurance company gives you and will vary from one company to the next. Typically when you need to file a claim, you will fill out the paperwork and submit the claim. The company will then authorize your claim and make payments to what your insurance policy will cover.

Your visitors health insurance performs in the same form as other types of insurance. When you pay your premium, you are insured for the length of period the policy is effective. At the end of that time period, you are no longer covered by the insurance. Paying your insurance premium should be a chief priority for you, that way you know you are protected by your insurance.

To make the entire process easier for relatives or parents visiting USA, there are various visitor health insurance plans offered. These plans are very reliable and usually the only available medical protection for visitors outside home country, as they have been underwritten by well known companies and all claims regarding them can be administered in U.S. These plans can be purchased online on VisitorInsuranceServices.com and a wide range of people can benefit from them.

Vellore Jaishankar No Comments

Visitors Insurance Billing and Claims Process

We are all aware of the importance of visitors health insurance for anyone who is planning to visit and travel to USA or any other foreign nation as a visitor for a short term duration, whatever the reason of visit may be. But, before one buys adequate visitors insurance coverage for the duration of stay in America, one should also thoroughly understand the visitors insurance billing and claims process involved.

Billing and payment process for medical services

When you visit the physician/hospital, the customer should show the insurance card to the reception or billing department. The hospital authorities will take a photo-copy of your insurance card and call insurance company to validate your policy. They will invariably send the medical bill to the insurance company directly, in which case you will just have to pay the deductible amount.

In some instances the hospital or medical practicioner’s office will not accept insurance card and they may insist that the customer pay the billed amount directly to them. In this case the customer should get detailed bills and provide them when filing the insurance claim.

You should collect all the bills, receipts and any other relevant documents. Inform the insurance company about all appointments and visits, this will help speed up your claim process.

Filing a Insurance Claim

An insurance claim form is usually sent to the customer along with the insurance card. In the event that the customer does not have a claim form, it can be obtained either from the insurance company website, or by calling the insurance company and requesting them to mail it. The customer should file the claim within the specified period since the medical service was used.

Insurance Claim Evaluation

The time taken for evaluating an insurance claim varies for each case, depending on the specific situation and on providing all relevant documents. The process might take as less as a few days, but can also extend to over a month depending on the circumstance.