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Visitors Care - are coverage sublimits enough?

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  • Visitors Care - are coverage sublimits enough?

    Dear Forum members,
    I have a 64-year old aunt who will be visiting us for a period of 6 months from Argentina. I am considering the "visitors care" product, which comes in three coverage options: 25k, 50k, and 100k.
    The question I have pertains, however, not to the overall maximum of the policy but rather to the "sublimits" for each type of covered service. For example, the 25k option of Visitors Care says something like:
    - Hospital room&board: up to $825 per day
    - Surgical treatment: up to $2000 per surgical session
    - Assistant surgeon: $450 per surgical session (outpatient)
    - ...etc...

    Now, how do I know if these amounts are enough? Quite honestly, I don't have a clue (although my gut feeling is that they seem low).

    Also, how does the system work, let's say that hypothetically my aunt gets sick and she needs to have surgery. She goes in and it cost $3000. We have not yet spent a cent of the 25k budget/maximum and yet, my aunt will have to pay $1000 out of her own pocket?

    Any advice is greatly appreciated.


  • #2
    Honestly, those limits are well below the actual expenses.

    In your example, you will have to pay $1000 out of your pocket. That is not that bad. What if the surgery costs $20,000 or $30,000? (And, many times it can.) You will still have to the difference yourself.

    If the limits in fixed coverage plan were enough or close to enough, comprehensive coverage plans would not exist that cost 2 to 3 times more.

    Please read https://www.insubuy.com/guide/terms.jsp?section=fixed and https://www.insubuy.com/guide/terms....=comprehensive

    I always recommend everyone to buy comprehensive coverage plans.

    To understand how the plans work, for example, please look at Visitors Care procedure at https://www.insubuy.com/img-first-health-ppo-network/ and Protection America procedure at https://www.insubuy.com/img-first-health-ppo-network/
    Thanks & Regards
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