FAQ about visitor medical insurance
- Can I purchase medical insurance for less money if I buy directly from the insurance company?
- No. Insurance premium is same whether the plan is purchased directly from the company or through InsuredWorldWide.com.
- How can I purchase medical insurance?
- You need date of birth and passport number for each insured person. You do not need to send any paperwork or any medical reports to us or to the insurance company for short-term policies and may be the case for Global Medical Insurance policies, unless additional medical information is required due to responses provided on the questionnaire. You can complete the entire process completely online. Insurance can be effective as early as the next day after the your purchase.
- What information would you require if I want to purchase insurance plan?
- You need date of birth and passport number for each insured person. You do not need to send any paperwork or any medical reports to us or to the insurance company for short-term policies and may be the case for Global Medical Insurance policies, unless additional medical information is required due to responses provided on the questionnaire. You can complete the entire process completely online. Insurance can be effective as early as the next day after the your purchase.
- Is there any age limit?
- Plans provide coverage up to age 75.
- Can I purchase a plan that would cover pregnancy also?
- The plans do cover pregnancy; it is available as a rider and that rider must be selected at the time of purchase in order for pregnancy to be covered in full after a 12 month waiting period. The maximum coverage is $7500.
- Do I need to take any physical exam or do I need to submit my previous medical records?
- No. Plans do require you to answer medical history questions online, and are subject to underwriting.
- What kind of proof will I get when I purchase medical health insurance?
- When you purchase insurance online, you will receive an immediate confirmation via email with insurance details. Short term policies are guaranteed issues. However, the Global Medical Insurance, since it requires underwriting, is not issued immediately. It is essentially your virtual id card. Please keep copy of this email and print it for your records. Generally by the next business day, a plastic insurance card and a hard copy of the policy will be sent by mail or Express delivery if you choose.
- Are any pre-existing conditions covered?
- Each insurance company has its own period through which pre-existing conditions are not covered.
- I am willing to pay higher premium but could you suggest me the insurance plan that would cover pre-existing conditions?
- Unfortunately, there are no such plans.
Important disclaimer: Please note that we have tried to answer the questions to the best of our knowledge. We make no guarantee of the accuracy of these answers, as actual answers may change from time to time as insurance companies change their policies or for any other reason. We will not be liable in any case, for any problem arising out of reading these questions and answers. Please use this information at your own risk.
