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  • Need clarifications for visitors visa insurance

    Hello

    I would like to know more about your insurance offers.

    I am a 26 year old Swiss citizen and I am planning to move to Mexico shortly to start studying over there.

    I am healthy and I like to do sports such as jogging, yoga, pilates. Etc. I am also planning to take a beginners course in scuba diving in the next year.

    Swiss citizens who leave their homecountry for more than 6 months at a time are required to change their residency to their current country of residence. That means I would no longer be a Swiss resident yet in Mexico I would only hold a student visa which has to be prolonged every year (I would not receive the status of a permanent resident). I point this out as I am not sure if international student insurance is still aplicable in this situation.

    I am interested in the Patriot plan. I need a health insurance package that covers the above mentioned situation (including scuba diving),
    would Patriot America be suitable? I would like in- and outpatient benefits with a small deductible and no co-insurance if possible. What policy maximum is reasonable for Mexico?

    Me and my fiance are not planning to have a baby in the next five years, but what if I got pregnant, would maternity be covered?

    How about visiting friends in the USA for a short period of about a week. Would that be covered or could I buy an extra policy for that?

    Are short-term visits to my home-countries covered?

    Please do not just send me a quote as it is crucial to me to have answers to my questions before I buy anything. Thank you so much.

    Best regards,

  • #2
    Yes, Patriot America is suitable.

    1. Sports:
    In order to cover scuba diving etc, you have add an option for 'Leisure Sports'.

    2. Policy maximum:
    You buy $100,000

    3. Maternity is NOT covered.

    4. Patriot America will cover in US as well. In US/Canada, you have to
    pay coinsurance of 10% for first $5,000. There is no coinsurance for Mexico.

    5. Incidental home country coverage up to two weeks cumulative total is covered.

    You can purchase Patriot America online at https://www.insubuy.com/patriot-america-insurance/

    Please let me know if you have any other questions.
    Thanks & Regards
    Insubuy
    Toll Free: (866) INSUBUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: http://www.insubuy.com

    Comment


    • #3
      Thank you so much for your comprehensive answer. I do have some additonal questions:

      How are emergencies handled? Let's say I have an accident and I am taken to an emergency room, how will the payment be arranged? Is there a
      24/7-hotline that can make arrangements for me and can grant the hospital the paiment of the costs?
      NARENDRA >>> Read
      https://www.insubuy.com/img-first-health-ppo-network/

      Is there a free choice of doctors and hospitals?
      NARENDRA >>>Read https://www.insubuy.com/img-first-health-ppo-network/

      How are costs reimbursed? How long does that process take aprox. to handle a claim?
      NARENDRA >>>Read
      https://www.insubuy.com/img-first-health-ppo-network/

      Are chiropractic treatments or physical therapy paid for?
      NARENDRA>>> Physical therapy, only if recommended by a physician. No chiropractor.

      Are dental treatments covered for in case they are necessary? What is considered a dental emergency?
      NARENDRA>>>>
      Injury to teeth in an accident - Up to policy maximum.
      Tooth pain etc. - Up to $100

      Are medical check-ups and vaccinations covered for?
      NARENDRA>>> No

      Thank you so much for your assistance.
      Thanks & Regards
      Insubuy
      Toll Free: (866) INSUBUY
      Local: (972) 985-4400
      Fax: (972) 767-4470
      Website: http://www.insubuy.com

      Comment


      • #4
        Thank you. I checked the links you indicated. But I didn't find any explanation about an emergency number or how a claim is handled. Please
        explain me, thank you.

        Comment


        • #5
          Emergency number will be on the insurance card you will get after you purchase the insurance.

          More information how the claim is processed is given at
          https://www.insubuy.com/what-is-visitors-insurance/
          Thanks & Regards
          Insubuy
          Toll Free: (866) INSUBUY
          Local: (972) 985-4400
          Fax: (972) 767-4470
          Website: http://www.insubuy.com

          Comment

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