Information On Tourist Health Insurance Coverage Amount

By Ray Sondeo

Visitor insurance sites insist on purchasing a medical insurance for tourists policy once you plan for a trip abroad. To understand why so much emphasis is given for the visitor medical insurance policies, one should be aware of the approximate estimates of medical emergencies.

For example, a room charge on single day in a hospital situated in New Jersey could cost $5000. If you undergo appendectomy surgery in California and the period of hospitalization goes up to 2 days, you could incur a medical expense of $18000. An average charge of heart attack treatment costs about $20,000. In addition, the hospital charges have been increasing the last few years. Hence insurance companies are also incurring higher costs for reimbursing claims from the tourist insurance policy holder.

Hospitals face quite a few problems in getting settlement from various insurance providers. Currently, people are working towards trying to get an estimate of the hospital charges before taking a decision for undergoing a major surgery.

The victims of the inflation of medical expenses are not only the insured people of any visitor health insurance plan but also independent patients who have not availed any insurance. The bills and discharge summary given by the hospitals are sometimes complex and ambiguous and hence, they cannot be understood by many. In this situation, people end up paying huge bills right from their pockets in case they are not insured.

In a few cases, maintenance issues in the hospital may give rise to further complications for the patient undergoing treatment leading to further increase in the expenses. The inflation of the medical services is also resulting in individuals paying higher premiums as the insurance providers try to balance with the higher expenses incurred every year by the insured.

In order to not get caught in the web of these unimaginable inflation's, it is highly important to protect oneself by purchasing a tourist medical insurance plan with direct claims settlement. In addition, every person looking for a suitable visitor insurance plan should gather adequate information regarding the tourists insurance policy plan which includes terms and conditions and exclusions section.

Typically US residents have medical insurance that covers them for up to $5 million - $8 million. Tourists would be wise to get coverage of $500,000. Exclusion section of the document deals with those conditions or circumstances that the insured would not be reimbursed for. Coverage cannot be claimed for pre-existing conditions which refer to any illness, disease or abnormalities existing while the individual applies for a tourist insurance policy plan. - 23211

About the Author:

Ray Sondeo often writes about tourist insurance.