Best Health Insurance Plans For Visitors Visiting USA
Plans with lowest rates, best coverage and A++ rating

Comparison Limited vs Comprehensive visitor insurance plans

Comprehensive vs Limited Visitor insurance explained with example .

Comprehensive Plans Limited Plan
Pays percentage of the expanse. Pays predefined amount for each medical service .
Provided better coverage and is widely accepted by doctors Is accepted by most of the medical facilities but coverage may not be adequate to cover all the medical expanse because fix money is paid by insurance for medical service .
You pay high premium initially but you get better coverage .These plans are high risk for insurnace company as they may end up paying big claim amount. You pay low premium initially but coverage is very limited, these plans are less risk to insurance company as they pay fixed claim-amount,rest you have to pay from your pocket.
If you get admitted to hospital or medical expanse is high , you end up saving big on medical bill. If admitted to hospital or medical expanse is higher , you would end up paying big amount from your pocket.



Lets understand it with a hypothetical scenario.

Scenario 1 Patient visits doctor:

  • Patient have 80-20 comprehensive plans , 50k , $100 deductible

  • Got sick and went to doctor and doctor prescribed painkiller and antibiotics .
  • Lets assume medical bill is: $300

  • You pay only deductible and $100+20% of medical expanse

  • You Pay Insurance Company Pays
    $160.00 $140.00


  • Patient have limited plan $45K $100 deductible

  • Got sick and went to doctor and doctor prescribed painkiller and antibiotics .
  • Lets assume medical bill is: $300
  • Insurance company pay predefined amount set by them , reset you pay from your pocket for Doctor visit

You Pay Insurance Company Pays
$250.00 $50 Per Dr visit (Coverage for Dr visit under the plan)

Lets understand it with another hypothetical scenario.

Scenario 2 Patient got hospitalized:
  • Patient have 80-20 comprehensive plans , 50k , $100 deductible
  • Got sick and got admitted to hospital for 2 days .
  • Lets assume medical bill is: $10,000

  • You pay only deductible and $100+20% of medical expanse , up to $5000 max.
You Pay Insurance Company Pays
$2,100.00 $7,990.00

  • Patient have limited plan $45K $100 deductible
  • Got sick and got admitted to hospital for 2 days .
  • Lets assume medical bill is: $10,000

  • You pay predefined amount set by insurance company for Doctor visit
You Pay Insurance Company Pays
$7,500.00 $2500

This clearly demonstrated the comprehensive plans is much better , less risk provides much better visitor health insurance coverage.

Which are most popular and reputed Comprehensive and Limited visitor insurance plans

Comprehensive Visitor Insurance Plans Limited Plans




Terms of Use     Privacy Policy     Sitemap     Contact Us