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Q. I have been in the United States for several months. I arrived with an E-2
visa. I am seeking for a major medical insurance plan that will cover me in the US as well
as in my home country. A. As long as you are non-US citizen, there are several international insurance major medical plans will cover you both in the US and Worldwide indefinitely. The brochures of these plans can be found on our website www.worldwidemedicalplans.com/listofplans.htm Q. I already have health insurance. Why do I need International Travel Medical Insurance? A. Each year, millions of people travel outside of their home country. While many of these travelers have medical insurance in their home country, rarely do such policies provide adequate coverage abroad. A great majority of these travelers are concerned with the potential out-of-pocket expenses that could result from an injury or sickness during their travel. International travel medical insurance is designed to offer medical coverage and emergency services to individuals and families while traveling outside of their home country. See Travel Medical. Q. I'm on Medicare. Won't the Medicare program cover me while I'm traveling (or living) outside of the United States? A. No. Page two of all U.S.A. passports explicitly states that you should check your coverage before traveling outside the United States as many plans, including Medicare, do not provide coverage outside of the U.S.A. The payment of hospital and other medical expenses incurred while in another country are the responsibility of the traveler. The U.S. State Department has issued the same caution to U.S. citizens traveling or living abroad. Furthermore, medical supplement plans only pay after Medicare pays, and therefore are useless for expenses incurred outside the United States. The International Medical Plans we offer were created to solve these problems by providing coverage anywhere in the world to persons traveling or living outside of their home country. Q. Isn't it risky buying insurance on the Internet? A.
It certainly can be. That's why it is important to
know who you are dealing with. The Internet can Q. How can I get help if I have a medical emergency in some remote part of the world and it's the middle of the night back home? A. This is one of the major concerns of many travelers. Happily, many plans that we offer include 24 hour Crisis Assistance Services through the world's top crisis assistance organizations. While the specific provisions vary from plan to plan, they generally include such features as 24 hour telephone contact for medical emergencies, assistance in locating medical care, relaying messages to family and employer during medical emergencies, and even arranging telephone conferences between your attending and home physician. See Crisis Assistance. Q. What if I get sick or injured in some part of the world that has poor medical services? A. Many of the plans we offer include emergency medical evacuation services from medically underserved areas either to your home country or to the nearest medical facility properly staffed and equipped to give you the proper care. Our international crisis assistance teams will make all necessary arrangements. See Medical Evacuation. Q. What if I'm traveling with small children and something happens to me? Who will look after them if I am laid up in a hospital and can't take care of them? A.
Provisions are available in many plans that we offer for what is
termed Return of Minor Children. This means that should a minor child be left
unattended due to the hospitalization of an insured person for a covered illness or
injury, the plan will arrange and pay for the child's return fare to their home
country, including the cost of an escort, if necessary to assure the safety and
welfare of the child. Q. Most insurance plans I've looked at have exclusions for the kinds of adventure sports I enjoy, such as mountain climbing and skiing. Do you have any plans that will cover these kinds of activities? A. Yes. Some of our plans offer optional coverage for hazardous sports as well as other high risk activities. See Sport Coverage from the following plans: Atlas Travel Series, Patriot Sport Extreme, Patriot Travel Medical Insurance, Liaison International Q. I am pregnant and want to purchase an insurance plan that will cover any complication of child birth. I can provide medical record which shows my pregnancy normal. Can you help? A. Practically, there are no medical insurance plans will cover the expenses related to a pregnancy within the first 12 months of coverage. A pregnancy which occurred prior to the effective date of coverage also is considered a pre-existing medical condition. Q. Please explain the Exclusions in the LIAISON INTERNATIONAL policy "condition(s) that would have caused a person to seek medical advise, diagnosis, care or treatment during the 36 months prior to the Effective Date of Coverage under this Policy." A. "Would Have Caused" can be understood to mean a condition for which the insured person WOULD HAVE SOUGHT medical advice, diagnosis, care or treatment if that person HAD BEEN ALREADY in the United States and was ALREADY COVERED BY INSURANCE. Plainly put, if the insured person has a known medical condition and is purchasing the insurance and traveling to the United States for the express purpose of seeking medical advice or treatment, you can be assured that the insurance company will not cover that condition. Q. My mother has high blood pressure and diabetes. I want to buy a insurance plan for her while she visits the United States for 6 months. What kind of plan should I get? Will it cover her conditions? A. Any travel medical insurance, such as LIAISON INTERNATIONAL, ATLAS AMERICA, PATRIOT TRAVEL INSURANCE, will be suitable for a short-term coverage. Most pre-existing medical conditions will be excluded from the coverage. Q. I had a heart attack
more than 5 years ago. My question are as follow: A:
When you submit a claim under any insurance plan
relating to what you claimed is a stable pre-existing medical condition, the claim
department of insurance company will investigate to verify the validity of your claim.
This process will include contacting your doctors and hospitals and obtaining all relevant
medical records. If, as you say, your conditions are indeed stable, and your doctors and
medical records confirm that, you should have no concerns. Q. Will you cover my father's pre-existing condition - bypass heart surgery if I'm willing to pay higher premium? A: The premiums of all insurance plans are not negotiable. The following questions are typical of many inquires that we receive about Medical Insurance Coverage for Pregnancy and Childbirth.
All International Travel Medical Plans
do not cover Pregnancy expenses or Illness resulting from pregnancy, childbirth, or
miscarriage; or for miscarriage resulting from Accident.
Bon Voyage! ”Tenga un viaje seguro! Ayez un voyage sūr! Have a safe trip!
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HERE'S THE FINE
PRINT: Copyright © 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721Warning: All of the pages on this site are protected under U.S. and International copyright laws. Reproduction by any means or for any purpose, except as specified on certain pages, is not allowed without the express written permission of the copyright owner.
Special police for Beijing games The Chinese authorities say they have established a special military unit to provide security for the Beijing Olympics next year. Sub-Saharan Africa - Kenya May 5, 2007 Kenya Airways plane crashed A Kenya Airways plane that crashed in Cameroon on Saturday has been found submerged in a swamp and there is no chance of any survivors, officials say. Europe - France France opens fastest railway link Mar. 15, 2007 France's fastest rail link to date has been inaugurated with the service's first train travelling from Paris to the east on Thursday afternoon. Trains on the line are set to travel at 320km/h (200mph). The service will open to passengers on 10 June when they will be able to travel further east to other EU states.
Ban on liquids expanded for all international flights Feb. 26, 2007 Tokyo, Japan: In a move aimed at further thwarting terrorist attacks, passengers on all international flights will be prohibited from bringing aboard liquids in containers larger than 100 milliliters starting Thursday Europe - Russia Explosion in Russian McDonald's Feb. 19, 2007 An explosion at a McDonald's restaurant in the Russian city of St Petersburg has slightly injured six people with concussion and cuts from flying glass.
Americas - Mexico 'Safest city' now has drug war Feb. 16, 2007 Monterrey, Mexico:: An affluent city just two hours from Texas is the newest battleground in a war between drug cartels Sub-Saharan Africa - Guinea Guinea Airport Situation Feb. 14, 2007 This warden message is being issued to update American citizens regarding information on Air France flights out of Guinea. A flight left Guinea for Paris yesterday. We believe Air France will try to operate flights to Paris starting Thursday, February 15 to Sunday February 19, 2007. East Asia / Pacific - Indonesia Bird flu virus kills Indonesian Feb. 9, 2007 West Java, Indonesia A 20-year-old woman in Indonesia who tested positive for bird flu has died, becoming the country's 64th human victim, a health official said
Americas - Brazil SAO PAULO, Brazil (Reuters) -- Slick runways at Brazil's busiest airport will undergo major overhauls this month after officials tried to ban wide-body jets because of fears they could skid off its short landing strips, the airport's authority said Thursday.
East Asia / Pacific - Vietnam Vietnam plans new railway link Feb. 6, 2007 Hanoi: The Vietnamese authorities have approved plans to build a $33bn (£15bn) rail link between the capital, Hanoi, to Ho Chi Minh City in the south. New Thailand airport off to rough start Feb. 2, 2007 BANGKOK, Thailand - The taxiways are cracked, the terminal has leaks and some airlines even wonder whether it's safe to fly into Thailand's new international airport. Australians warned about crime in Caribbean Feb. 2, 2007SYDNEY, Australia: The foreign affairs department said in an official travel advisory that fans needed to be aware of safety issues at the World Cup, to be hosted by six Caribbean nations from March 10 until April 28. "In some parts of the Caribbean, violent crime, including armed robbery, kidnapping and murder is common," the advisory said.
UK Updated Polonium-210 Information Jan. 31, 2007Europe - United Kingdom: This information is meant primarily for Americans who were in Britain from November through December 2006. It is an update to the December 11, 2006 warden message concerning events in the UK involving the radioactive material Polonium-210, which have caused concerns for possible public health risks.
Islamabad Marriott
Hotel Attack
Copyright © 1999-2007 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721Warning: All of the pages on this site are protected under U.S. and International copyright laws. Reproduction by any means or for any purpose, except as specified on certain pages, is not allowed without the express written permission of the copyright owner.
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