Visitor's Health and Accident Insurance


Atlantik Sha: Visitor's Health and Accident Insurance

Visitor insurance is ideal for citizens of other nations taking trips outside their home countries. While your regular health insurance may provide you typical medical coverage, a visitors insurance policy will ensure that you also have coverage during your international trips.

Regular insurance plans usually don't provide coverage when policyholders travel outside their home country. A visitor insurance plan helps ensure that you won’t have to struggle to cover the entire bill for expensive foreign healthcare services.

Visitor insurance plans can be used on many different types of short-term trips, including business trips and holiday vacations. Other plans are also available for those using visitor visas, and other temporary visas.

What does visitor insurance cover?

In other words, visitor insurance provides coverage in the event of illness or injury while travelling. This policy ensures that visitors receive the medical and other assistance they need.

Depending on the type and amount of coverage you choose, visitor insurance may cover:

  • new illness or injury during the trip
  • accidents causing injury
  • medical emergency evacuation

Every plan is different, but what is usually not covered by visitor insurance includes the following:

  • Preventive services such as regular check-ups, physical examinations and vaccinations
  • Major dental issues
  • Maternity and childbirth needs
  • Vision-related services, like a checkup or the purchase of new eyeglasses
  • Pre-existing medical conditions

Different plans offer different levels of coverage, so it's important to choose a plan that fits your medical and travel needs. Since health problems such as accidents and illnesses are unpredictable, our insurance company will make sure to help you determine which type of visitor insurance plan is best for you.

When can you use visitor insurance?

Hospital visits

If your injury or illness requires hospitalization, you can show your visitor insurance card to the hospital's medical receptionist. You may have to pay the deductible there, but the bill is usually sent directly to your insurance company. If your injury or illness requires urgent medical attention but does not pose an immediate threat, visitation insurance may also provide access to emergency medical facilities.

Doctor's appointment

You can visit a local doctor and get the information and treatment you need. Simply present your visitor insurance card and request an itemised service bill. You will need this later when submitting a visitor insurance claim.

Pharmacy prescriptions

Another situation where visitor insurance is useful is when a doctor prescribes medication. While you prepay the pharmacist for your medicine, you can use the receipt to make a claim and later get reimbursed from your insurance company.

After you have received medical services and/or medicines, simply download and complete the application form and provide certain documents such as passport or visa copies, receipt copies, etc. Then, our billing department will review your details and make the required payments for your claim. Our visitor insurance company will handle all the hassle so you won't have to deal with the complexities of a healthcare system you're unfamiliar with.

What kind of visitor insurance plans can you choose?

In this article, we're breaking things down to make everything a bit clearer and easier to understand. Generally speaking, there are two different types of visitor insurance plans:

Limited coverage

This is a more cost-effective plan that offers lower premiums and more basic coverage. These plans have fewer benefits and a predefined amount of coverage, also known as a schedule of benefits.

These plans are generally renewable and cancelable and provide basic medical care for the duration of your trip. Certain policies restrict the medical facilities a policyholder can visit according to the provider's PPO network, while other policies have no PPO and allow individuals to visit any doctor.

Comprehensive coverage

Visitor insurance plans that fall into this category are usually a little more expensive but offer better coverage than limited plans. Comprehensive insurance plans offer medical coverage while you travel and are renewable and cancelable. Most of these insurance plans include coverage for acute onset of prior health conditions. Some providers require the policyholder to see a doctor within their PPO network, while others don’t have this requirement.

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