Frequently Asked Questions 

  • How can I pay for insurance?

  • Premium Refund

  • How is the health insurance plan works?

  • Which plan is suitable for me?

  • Why do I buy health Insurance?

  • What will be the premium for my health insurance?

  • Limited Benefits Plan

  • Comprehensive Benefits Plan

  • Q. How can I pay for insurance?

    A: Apply online and pay by credit card will fasten the application process and hassle free. You can also choose to pay by personal check.

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    Q. Premium Refund

    A: We are confident that health insurance plan will satisfy your temporary health insurance needs. Most of the health plans are non-refundable. However there is a special situation accepted by SRI. Please call your agent for further information.

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    Q. Why do I buy health Insurance?

    International Medical insurance policies are designed to provide health care while out of your home country. A medical emergency may require hospitalization or doctor consultation. In most cases, your existing insurance will not provide adequate protection for these and other risks.

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    Q. What will be the premium for my health insurance?

    A: Premiums are based upon age, length of coverage, maximum benefits and deductibles selected. Please click on the health plans interested to get the premium.

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    Q. Limited Benefits Plan

    A: These policies are characterized by various benefit limits for each type of covered medical expense. These benefit limits typically are not the same as the policy maximum. The maximum amounts for different situations are detailed in the policy brochure. Typically you are required to pay an initial deductible for each injury or sickness and then the plan pays for the rest of the covered expenses. Limited Benefits Plans have the lowest premiums, but the consumer must be aware that the benefits offered are relatively limited as compared to the Comprehensive Coverage Plans. Examples of Limited Coverage Plans include 'Inbound USA' offered by Specialty Risk International and 'Visitors Care' administered by International Medical Group.

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    Q. How the insurance plans works?

    A: Typically you are required to pay an initial deductible for each injury or sickness ( or per period coverage in some plan ) and then the plan pays for the rest of the covered expenses.

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    Q. Comprehensive Coverage Plan

    A: These policies typically do not have benefit limits based on the type of medical expense. Usually benefits for covered medical expenses go all the way upto the policy maximum (less deductible and co-insurance). Typically for all covered medical expenses during the policy period the insured pays the deductible plus 20% of the first $5,000; and then the plan pays 100% of the eligible medical expenses upto the policy maximun. The details for each policy such as the policy maximum, medical expense eligibility etc. are listed in the policy brochure. Comprehensive Coverage Plans have relatively higher premiums, but in turn offer better benefits than the Scheduled Benefits Plans. Examples of Comprehensive coverage plans include 'Patriot America' and 'Liaison International'.

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    Q. Which plan is suitable for me?

    A: Each plan is opting various program to suit the individual needs. Please select the one is appropriate for you.

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