What Is The Optimum Coverage For Visitors Medical Insurance Policy
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What is a good amount of visitors insurance coverage to have? The answer to this question varies depending upon what kind of treatment will be needed. Since nobody can predict the future international students insurance needs, the best one can do is estimate generously.
Given the high prices of hospital stays?which often are as much as $2,500 per day?it makes sense to estimate high. If intensive care stays are needed to treat an injury or illness, the cost will be much higher. These stays can easily run in the range of $35,000.
This cost would not cover any additional treatments or surgeries needed during a stay. For example, heart surgeries can cost as much as $100,000. Although the need for heart surgery is a rare occurrence for travelers, historical evidence shows that it is a possible event.
Being in a foreign land can magnify the dangers of life-threatening situations, making a trip home to receive treatment out of the question. Travel itself induces stress upon the body and doctors will likely not let a patient in such a situation endure a long trip home which can cause additional complications.
Treatment for conditions which arise as a result of heart attacks or strokes will run in the thousands and tens of thousands of dollars. Combined with an expensive hospital stay, one can see how the cost would easily add up.
For young people, a good number to start with for insurance for international student is $500,000. This is a good number for people who are healthy and do not expect any problems. A traumatic accident may happen, but this number should cover most care required for young healthy people.
Older travelers or those with health problems present more of a challenge. Senior plans typically place coverage limits at $100,000. Thus, seniors should invest in the maximum coverage available for their group. Occasionally, travelers in the 70+ age group may be limited to a total of $50,000 in coverage.
The recommended rates of coverage vary according to age and existing health condition. The costs of medical care are notoriously high and one should make an effort to protect themselves from these costs.
Given the high prices of hospital stays?which often are as much as $2,500 per day?it makes sense to estimate high. If intensive care stays are needed to treat an injury or illness, the cost will be much higher. These stays can easily run in the range of $35,000.
This cost would not cover any additional treatments or surgeries needed during a stay. For example, heart surgeries can cost as much as $100,000. Although the need for heart surgery is a rare occurrence for travelers, historical evidence shows that it is a possible event.
Being in a foreign land can magnify the dangers of life-threatening situations, making a trip home to receive treatment out of the question. Travel itself induces stress upon the body and doctors will likely not let a patient in such a situation endure a long trip home which can cause additional complications.
Treatment for conditions which arise as a result of heart attacks or strokes will run in the thousands and tens of thousands of dollars. Combined with an expensive hospital stay, one can see how the cost would easily add up.
For young people, a good number to start with for insurance for international student is $500,000. This is a good number for people who are healthy and do not expect any problems. A traumatic accident may happen, but this number should cover most care required for young healthy people.
Older travelers or those with health problems present more of a challenge. Senior plans typically place coverage limits at $100,000. Thus, seniors should invest in the maximum coverage available for their group. Occasionally, travelers in the 70+ age group may be limited to a total of $50,000 in coverage.
The recommended rates of coverage vary according to age and existing health condition. The costs of medical care are notoriously high and one should make an effort to protect themselves from these costs.
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