Visitor Health Insurance
Understanding Policy Maximum and Deductibles in Visitor Insurance
⚠ 本文目前仅有英文版本。我们正在制作完整的编辑翻译——感谢您的耐心。
Policy maximum is the most insurance will pay. Deductible is what you pay first. Get these wrong and you risk crippling out-of-pocket costs.
Two numbers determine the financial structure of every visitor insurance policy: the policy maximum and the deductible.
Policy Maximum Explained
The policy maximum is the absolute upper limit your insurer will pay across the entire policy period.
Deductible Explained
The deductible is what you pay before the insurance company pays anything. Common options: $0, $100, $250, $500, $1,000, $2,500, $5,000.
Recommended Settings by Profile
- Young, healthy, short trip: $100K max / $250 deductible
- Family with children, 2 months: $250K max / $250 deductible
- Parents over 60 visiting: $500K max / $250 deductible
- Parents over 70 with health concerns: $1M max / $0 deductible
Bottom Line
Premium is what you pay. Maximum and deductible determine what you risk. Ombrela displays all three side-by-side.
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