Visitor insurance for 6 months

[submittedviaemail]

I and my wife are planning to visit usa for about six months. we are planning to buy some health insurence froim India or usa. we do not have any ailment about which we have to worry. we need just normal emergency and hospitalisation coverage. i am 55 years old and my wife is 49 years old can you suggest which plan we should buy. generally several Indian compnies sell such plans which may cost about US$300- 400 in all for two of us for this period and cover up to US$ 50,000.

[insubuy]

It is better to buy insurance from US company or the one with US administration.

Please look at https://www.insubuy.com/guide/ that will give you better understanding of the process.

You can look at Visitors Care plan at
https://www.insubuy.com/visitors-car...cal-insurance/ at $63/month for you and $42/month for your wife for $50,000 coverage and $75
deductible. It is fixed benefit plan.

You can also look at
https://www.insubuy.com/atlas-americ...cal-insurance/ at $134/month for you and $94/month for your wife for $50,000 coverage and $250 deductible. It is comprehensive benefit plan.

[submittedviaemail]

Is fixed benefit plan good enough and coverage of US$ 50,000 - say for some emergency?

Also with this fixed benefit plan - covers all or at least most hospital? Or we have to go to only selective hospital?

[insubuy]

You can visit any doctor or hospital in fixed coverage plan. There is no restriction.
Fixed coverage is a limited benfit plan and pays fixed amount for each and every procedure. Please look at those amounts in the brochure at https://www.insubuy.com/visitors-car...cal-insurance/ $50,000 policy maximum you see is the total of all the expenses, but within that, there are individual limits.

[submittedviaemail]

What happens if hospital charges are more than this - are these charges fixed by some general rates at which hospital charge ?
Also you did not answer my main question - is taking this plan safe or secure enough for general emergencies ?

[insubuy]

If the hospital charges more than that, you will have to pay the difference yourself, no matter how high the difference.

Answer to your main question: Insurance company pays fixed amounts for everything and you pay the difference. There is no way to know in advance how high the difference may be.
Therefore, there is no way to answer whether whatever would be paid by the plan would be enough or not.
That's why the price for fixed insurance plan is so low.

If you would like to limit how much you will have to pay out of your pocket, consider buying comprehensive insurance plans