Visitor Medical Insurance Cancellation FAQ

Please note that these general FAQs apply only to those plans that have any refund under limited circumstances. If the policy is not refundable (either after the purchase, or after the effective date of the policy), there is no refund even in any circumstances described below.

A: No. Refund, if any, after the effective date of the insurance, is made only in case of early departure or early termination. If you kept the insurance for the entire duration, the insurance company carried the risk for the entire duration and therefore, the premium is considered fully earned. In other words, you have fully used your insurance and there is no refund. As long as you are insured, it is considered that you have continously used the insurance and using the insurance does not mean going to the doctor/hospital or making a claim.

You want the insurance company to pay lots of money if you get sick or injured. And if you don't, you want the insurance company to refund your premium. From where will insurance company get all the money to pay the claims and make any profit if they returned everyone's money who didn't claim?

If you have a car insurance for years and if you don't get into an accident, you don't get the refund of all your money. Visitors insurance works the same way.

Q: I bought the insurance for my father for 6 months. The refund policy says "As long as no claims have been made since the effective date, you will get refund for the pro-rated duration minus $25 cancellation fee". I made a claim in the first month. My father is leaving after staying in the US for a total of 4 months. As I will not be making a claim in the last 2 months he is not here, can I get the refund for the last 2 months?

A: No. As long as any claims have been submitted since the original effective date (that is, first day out of those 6 months your father was insured), there is no refund.

Q: I bought insurance for 2 months and subsequently extended for 4 months. I had claim in the first 1 month. Now, my father is going back in 2 months. However, I had no claims since the effective date of 4 months extension period. Can I get the refund for 4 months?

A: No. When you extend the policy, everything carries over and it is considered that you have one consecutive policy for entire 6 months, in your case. And your effective date is when is your insurance was originally effective. Therefore, as long as the claim has been submitted since the original effective date, there is no refund.

Q: I bought insurance for my father for 6 months. He fell sick and had to go to a doctor and doctor billed directly and insurance company paid directly to him. I didn't make any claim myself. He is now leaving 2 months early. Can I get a refund?

A: No. Even if the doctor billed directly and insurance company paid directly to him, it is still considered a claim. Doctor filed a claim on your behalf. Therefore, there is no refund.

A: No. As long as the claim has been submitted, there is no refund.

Q: I bought insurance for my father for 6 months. We filed a claim and the claim of $200 was considered an eligible expense. However, my deductible was $250 and therefore, all $200 that insurance company agreed to pay went towards the deductible. Therefore, the insurance company effectively didn't pay anything. He is now leaving 2 months early. Can I get a refund?

A: No. As long as the claim has been submitted, there is no refund.

A: Submission of a claim means demanding money for medical expenses or any other benefits in the insurance, either directly by you or by a provider. As long as you filed any claim form yourself or you went to the provider and showed the insurance card to them (who in turn filed claim with the insurance company), the claim is considered submitted.

A claim does not occur only when you or the provider are paid any money. That is actually the payment of the claim.

Important disclaimer: Please note that due care has been taken to ensure the accuracy of the information provided here. However, we make no guarantee of the accuracy of these answers. We will not be liable in any case, for any problem arising out of relying on this information. If there is any discrepancy between this information and the actual policy details, the policy details will override this information.