Are your parents planning to travel to the USA this holiday season? Traveling is the best way to freshen the mind and explore one’s own self. Traveling is an investment in oneself to declutter the mind after a busy work schedule. But don’t leave your parents on their own to look for ways to safeguard their trip. They might face trouble and would not be able to solve it. The best gift you can give to your parents is to plan their trip and take all the necessary precautions on their behalf.
And what’s better than investing in a health insurance plan for your parents? You never know what might happen while traveling and for senior people, the risk of getting sick is even higher.
But choosing the right plan for your parents can be tricky. Here are some important things you should look at before purchasing the health insurance plan:
Types of insurance plan your parents are eligible for
There are certain limitations imposed when the policyholder is of or above 60 years. You need to look at insurance for parents visiting USA that will provide the required coverage. A lot of times, there exists a feature known as “Co-Payment” where the policyholder needs to pay a certain percentage of the total medical expense.
For example, if the total expense for treatment of a certain illness comes out to be $800 and the insurance plan that your parents have mentioned that a 20% of co-payment is needed, then your parents will have to pay $160 and the remaining about will be covered by the insurer.
Renewability of the plan
In most cases, policyholders till the age of 65 are eligible for health insurance plans that have life-long renewability. But the renewability could get rejected in case proper details are not provided. Make sure you go through the details thoroughly and provide all the required information regarding the patient’s medical history.
Pre-existing medical conditions
In old age, the possibility of having pre-existing medical conditions is more. To avoid any problem during the trip, it’s important that you look for a plan that provides coverage for the acute onset of pre-existing conditions. Most comprehensive health insurance plans like Safe travels USA Comprehensive and Atlas America provide coverage for the same.
Check for the waiting period
The waiting period for making a claim differs with different health issues. For pre-existing conditions, the waiting period is 4 years while for some other diseases, the waiting period is 2 years. Although for accidental injuries, you can make a claim instantly, it is important that you provide all the details regarding the policyholder’s medical history. Before purchasing any plan, make sure you read through the given documents.
Additional benefits
Health insurance plans for senior citizens provide some additional health care benefits which include expenses for both pre- and post-hospitalization treatments.
Apart from that, some other benefits include emergency transportation, medical check-ups, organ donor expenses, emergency evacuation, etc.
In case your parents want a different mode of treatment, you can ask the providers if there’s an alternative treatment available.
Sum insured
Last but not the least, make sure that you have purchased the plan that provides coverage for a sum that’s adequate. If not analysed properly, there’s a chance that high medical expenses can leave you spending dollars! Take all the necessary precautions beforehand and don’t let your parents suffer while on their trip. You can always contact the experts while purchasing a plan in case you feel stuck.
Conclusion
After all the love and efforts your parents put in for you, they deserve all the care in the world. As they age, the importance of focusing on their health increases even more. With age comes a lot of health issues but that shouldn’t stop your parents from enjoying their life and while traveling, their health issues shouldn’t ruin their happiness. Purchase insurance for your parents visiting the USA and let them make memories they have always wished for.
