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訪美旅遊健康保險®
Visitors Insurance

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訪美旅遊健康保險®

經濟計劃

如果您在尋找價格低廉的訪美旅遊健康保險、經濟計劃應該適合您。經濟計劃的福利項目少於標準計劃和優選計劃。經濟計劃每一項福利均有規定的限定保額。例如、醫生門診、計劃A每次支付$75、計劃B每次支付$150。門診手術、計劃 A每一項手術費支付$3,300、 計劃B 每一項手術費支付$7,150。住院費、最多支付30天、計劃A每天支付$1,500、計劃B每天支付$2,750。保險說明書第4-5頁提供詳細的支付額說明。

比較標準計劃, 優選計劃 .

保费计算

點擊保費計算比較經濟計劃,標準計劃, 優選計劃的不同保費 經濟計劃 , 標準計劃, 優選計劃.

About Visit USA-HealthCare: 經濟計劃

Get Visitor Medical Insurance When Visiting the United States
Are you planning a trip to the United States? Maybe you are a parent of a student studying abroad, planning a summer vacation or want to move to the United States. No matter what your reason is, our Visit USA-HealthCare visitor insurance can offer you the coverage you're looking for when visiting the United States. Nationalized or government sponsored health plans rarely provide adequate coverage for visitors for injuries or illnesses that occur in the United States, which is why it’s important to get travel medical insurance.

The Importance of Visitor Health Insurance
Every year, thousands of international visitors and immigrants to the U.S. need emergency medical treatment and do not have the new immigrant insurance or visitor insurance to cover the high costs involved. Most travelers are unaware of how expensive medical care is in the United States. U.S. medical facilities also may not recognize insurance provided by a “foreign” insurance company and could deny services or demand up-front payment for treatment. Visit USA-HealthCare is a beneficial travel medical insurance plan that can provide illness and accident expense protection, and it can pay for treatment during your visit to the U.S.

This coverage for visitors insurance is available for as little as $1.12 per day* for travelers under age 30, and as low as $3.60 per day* for travelers ages 50-59! See our rate chart for more details.

Who qualifies for visitor insurance?

  • Business and leisure travelers
  • Parents of students studying in the U.S.
  • Tourists and holiday travelers
  • Church or missionary travelers to the U.S.

You can choose from two visitors' insurance plans, each offering a choice of four deductibles.

After reviewing the visitor insurance plans, you can quote and buy online, over the phone, by fax or by mail. With any method, you will receive a receipt and Confirmation of Insurance by email.

*Both examples are for travelers electing Plan A ($50,000 per incident), with a $1,000 deductible. Your rates may vary based on age, deductible, and optional buy-up benefits. Please see our rate chart for more information.

Insurance is offered by Tokio Marine HCC–Medical Insurance Services Group (MIS Group), a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd’s underwriting members of Lloyd’s Syndicate 4141, which is managed by HCC Underwriting Agency Ltd.

Visit USA-HealthCare is also available through certain insurance agents and brokers throughout the U.S.

This visitors' insurance coverage, offered by Tokio Marine-HCC Medical Insurance Services, does not meet the minimum standards required by the health care reform law. The policy above contains the plan benefits, including a lifetime maximum. Please review your choices prior to purchasing to ensure that you have sufficient coverage to meet your medical needs.

福利簡介: 經濟計劃

這只是對計劃的簡要描述。要了解更多計劃內容,服務及外加選項的細節,請參考承保說明。

  經濟計劃
計劃A
$50,000
經濟計劃
計劃B
$150,000
年齡段 14天 - 80歲+ 14天 - 69歲
最高醫療保額(醫療&受傷)(不包括緊急醫療遷離,意外死亡及傷殘,運送遺體回國,和緊急團聚) $50,000 (80歲+ $20,000) $150,000*
扣減額 $0, $50, $100 or $250 每次事件 $0, $50, $100 or $250 每次事件
保險同付費 通常、合理、及習慣費用 通常、合理、及習慣費用
緊急醫療遷離 $100,000 $100,000
運送遺體回國 $25,000 $25,000
緊急團聚 $15,000 $15,000
恐怖主義 $25,000 $25,000
休閒體育活動 包括 包括
個人責任險 不包括 不包括
意外死亡及傷殘 不包括 不包括
政治遷離 不包括 不包括
應對危機 不包括 不包括
出發後中斷旅行 不包括 不包括
緊急協助 包括 包括

費率: 經濟計

Daily Rates
經濟計劃
計劃A
$50,000
經濟計劃
計劃B
$150,000
Deductible Per Incident
Age $0 $50 $100 $250 $0 $50 $100 $250
14 days-17 yrs $1.15 $0.97 $0.87 $0.69 $2.15 $1.77 $1.64 $1.31
18-29 $1.15 $0.97 $0.87 $0.69 $2.15 $1.77 $1.64 $1.31
30-39 $1.30 $1.08 $0.98 $0.78 $2.32 $1.91 $1.73 $1.38
40-49 $1.34 $1.14 $1.03 $0.81 $2.47 $2.02 $1.92 $1.53
50-59 $1.87 $1.59 $1.45 $1.15 $3.31 $2.77 $2.67 $2.14
60-69 $2.22 $1.82 $1.68 $1.33 $3.78 $3.14 $3.04 $2.43
* 70-79 N/A N/A $2.96 $2.37 N/A N/A N/A N/A
* 80+ N/A N/A $9.57 $7.69 N/A N/A N/A N/A
Dependent Children $1.05 $0.87 $0.76 $0.60 $1.96 $1.59 $1.42 $1.13
* Plan B is only available for ages 0-69. The Medical Expense Benefit limit for persons ages 80 and above: $20,000.

常見問題解答: 經濟計劃


訪美旅遊健康保險專門是為了外國旅客來訪美國而設計。保障期限最長為364天。
可以。不管你在美國時間的長短,都可以購買訪美旅遊健康保險™。但是保期不能超過364天。
可以!你可以用信用卡上網購買,或郵寄/傳真你的申請表格附帶付款資料,或者可以撥打(800)937-1387直接電話購買。
一旦我們處理好你的申請表格我們將會立即用電子郵件發送你的保單和保險卡。網上購買,你會通過電子郵件立即取得保單和保險卡。
在你申請完成訪美旅遊健康保險®並付清保額後,保單最快可以第二天生效。
當你網上完成購買後,你會看到新的頁面上顯示以“感謝你購買訪美旅遊健康保險®”(英文)開始頁面。接著你將會收到我們以電子郵件方式發送過去的保單和保險卡。
訪美旅遊健康保險®不接受續保。但是受保人可以在保期結束之前另外購買新的訪美旅遊健康保險。新的生效日期可以選擇在原計劃的截止日期後。
根據你所選擇的醫院/診所,你有可能會需要預先支付醫療費用。若是你所選擇的醫院/診所要求你預先付款,你可以之後申請索賠。如果是需要大量金額的開支,例如,緊急醫療遷離之類的需要,會由保險公司的緊急醫療協助服務來協調處理。
扣減額是受保人在使用保險支付福利前所需要負擔的金額。訪美旅遊健康保險經濟計劃的扣減額支付是用於每次事故: 包括四種不同扣減金額的選擇 $0, $50, $100, $250。訪美旅遊健康保險®標準計劃, 優選計劃是每個保單期限,包括四種不同扣減金額的選擇:$0, $250, $500或 $1000美元。扣減額越低,保費相對的就會偏高。
保險同付費是指您按照福利限額表中的百分比支付符合條件的費用。 *訪美旅遊健康保險®標準計劃, 優選計劃, 在美國PPO網內,我們支付100%符合條件的費用到最高限額。 在美國PPO網之外, 適用通常、合理、及習慣費用。您可能需要承擔超過付款金額的額外費用。 *訪美旅遊健康保險經濟計劃: 適用通常、合理、及習慣費用.
可以。你可以選擇任何有合格醫療執照的醫生/醫院。然而,若是選在PPO醫療網絡內的醫生/醫院,在扣減額之後、保險將支付100%的合格的醫療費用直到保險最高額度。若是選擇在PPO醫療網絡外的醫生/醫院, 將適用 通常、合理及習慣費用。
請打電話至1-800-605-2282聯繫HCC特約醫療網,或者點擊此處(http://wp.equian.com/FirstHealth/international)查尋特約醫療網在你附近的醫院/診所。
受益人是由受保人指定決定如果在保期內發生意外死亡的情況下,由誰來接受該項福利的個人。受益人的例子包括:配偶,子女,或是遺產/遺囑信託繼承人。
不包括。前已存在狀況是指:在保單生效前18個月內任何受傷或體內自發的狀況,或此症狀曾經有執照的醫師處方治療者,將視爲保險生效日前的已存在症狀。詳細條款請參考訪美旅遊健康保險®的保險除外項目。
先前已經存在的病症的急性發作意味著突然和意外的爆發或複發存在的. 這些病症是以醫生沒有預先警告建議或症狀的形式自發發生, 持續時間短,是快速進展的, 並需要緊急護理。先前存在的條件的急性發生必須在保險生效日期之後發生。必須在突然和意外爆發或複發後24小時內獲得治療。先前存在的慢性或先天性疾病或隨著時間的推移逐漸惡化的疾病將不被視為急性發作。該福利不包括在保險生效日期之前存在或必需的,已知,或預期/預定的醫療護理,藥物或治療的範圍內。
申請退保必需要在保險的生效日期前以書面形式申請才能獲得退款。請郵寄,傳真或發送電子郵件至旅遊保險服務中心。
保費可在保險生效日期之後退還,但須符合以下條件:
A。將收取25美元的退款手續費;
B。只有未使用的部分才會退還;
C。只有沒有申請索賠的受保人才有資格獲得部分保費退款。
改正錯誤內容必需以書面形式發送電子郵件或是傳真郵寄至以下聯絡資訊。發送電子郵件時,請註明姓名,聯絡電話,和保單號碼。
聯絡方式:
vusa@travelinsure.com,或郵寄至
Travel Insurance Services
One International Plaza, Suite 400
Philadelphia, PA 19113
USA
也可以傳真到610-537-9818。
如果保單更正需要增加保額,更改函件時請註明允許收取所增加之保額部分。請同時把信用卡號,生效截止日期,安全號碼,或支票的詳細資料包括在你的書面申請函內

備註:此常見問題回答並不是完整的保險政策。如需完整的詳細信息,請參 閱英文主保單保險說明書。關於理賠,理賠專員在收到完整的理賠申請資料後,針對具體案例進行處理。如果未能遞交完整的理賠申請資料,則無法保證獲取任何福利。

計劃內容: 經濟計劃

This Description of Coverage is a summary of the provisions contained in Master Policy No.181920-2.3. For a complete copy of the Master Policy, please contact Tokio Marine HCC Medical Insurance Services Group.

This Description is to help you understand the insurance that your certificate provides. It details the key features, benefits, limitations, exclusions, definitions, Schedule of Benefits and Limits, and any endorsements, applying to your certificate.

The levels of coverage which apply to your coverage are detailed in the Schedule of Benefits and Limits.

Visit USA-HealthCare Description of Coverage - 經濟計劃 A & B

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