The USA visitor medical insurance plan generally covers all the doctor's payments, in and out patient charges, hospital room charges, surgery, lab work like blood tests, X-rays and other medical related expenses incurred after the day of the purchase of the plan.

It is very important to consider all the benefits before you purchase any plan. It is essential to note that these visitor insurance plans do not cover the pre-existing conditions.

You may think what kind of visitors insurance should you buy, if you are your parents or in-laws visiting USA first time. Some people buy insurance from their respective nations itself, which is low cost. For e.g. if you have bought visitor insurance from a UK based company, then insurance policies in USA will help cover you.

There are may insurance companies that provide visitor health insurance coverage in the USA. The main difference between Indian and USA visitors insurance policies is that the Indian insurance companies may ask you to pay from your pocket and then claim the money when you are back in India. The US insurance policies will ask you to pay a minimum amount (called the deductible or a co-payment) and they will pay the remaining amount.

Some doctors in the US do not accept Indian visitor insurance policy. You will not even be allowed to visit them. This is why many people prefer purchasing the insurance from the US companies to prevent any hassles from happening after returning to India.

There are two types of plans in the USA visitors medical insurance plan namely, fixed and comprehensive coverage plans.

* Fixed Coverage Plan: Fixed coverage plan is much more expensive than comprehensive coverage plan. In such type of plans, the deductible has to be paid first ( can be once per incidence or per period of policy), after this the insurance company pays up for the net maximum amounts that are needed for different procedures as $55 for doctor's office visit, $1400/day for hospital room charges, $3300 for surgery treatment, and etc You should pay the balance. $50,000 or $100,000 policy maximum is the overall limit for total of all the scheduled benefits,

Prices are much more appealing when compared to comprehensive health insurance plans, but make sure that your expectations are being met, before you purchase any visitor health insurance plan. Very careful before you buy these plan because they pay a fixed amount for each procedure.

Some of the well-known fixed coverage plan providers are IMG (Plan Name: Visitors Care) and SRI (Plan Name: INBOUND USA).

* Comprehensive coverage plan : These visitor insurance plans are more expensive than the fixed plans. You have to pay double premiums but you are provided with much better coverage than the fixed coverage plan.

In such type of visitors insurance plans, you first have to pay the deductible then the insurance company pays 80% for the first $5000 and the remaining 20% is paid by you. After the $5000, insurance paid will be 100% up to the policy maximum for eligible medical expenses.

In some plans, you will have to pay 20% of first $5000 once in policy period and in some plans, you will have to pay 20% of first $5000 for every incident.