USA Insurance

Sunday, August 30, 2009

Have you ever thought whether you are properly insured or not? There is always an uncertainty in one's life and in order to prevent oneself from any ill happenings, one should definitely get himself or his family insured. The cost of living in USA is rising and to cope up to the expectations of the living conditions along with daily risk involved one should rely on various insurance policies.


One should always focus on its needs and the risk profile and in order to do so the various schemes of Insurance in USA are:

• Travel Insurance in USA
• US Fire Insurance
• Life Insurance in US
• US Health Insurance

USA Visitor Medical Insurance

In the USA, Visitors medical insurance mainly refers to the medical insurance meant for those outsiders who have visited the country. Visitors medical insurance USA is a temporary medical insurance that would cover illnesses/injuries or other physical disability after purchasing the policy and while the insured is outside his/her home country.

Coverage of USA visitor medical insurance:

• Eligible medical expenses (covering doctor's office visits, surgery charge, x-ray, and other related medical aspects)

• However this coverage only applies to new illness/injury and not any pre-existing conditions

Types of Visitor Medical Insurance:

There are mainly two types of visitor insurance plans:

1. Scheduled Benefit Plan (provides limited coverage and pays limited money for every process)

2. Comprehensive Plan (here the insured pays the deductible, and thereafter the insurer pays 80% of the first $5000 expense with the insured paying 20%. After $5000, the insurer pays 100% of policy.

Holiday Insurance USA

Man love to spend tension-free holiday but life is not without its probable risks and danger. There are even arrangements for holiday insurance and the US, which is a major travel and holiday destination, is no different. Holiday insurance USA allows the insured holiday-maker to protect himself/herself against possible consequences (financial and other) that could result from unforeseen and unexpected events.

• Annual holiday insurance (includes Sports and Activities, Adventure Sports, Ski Holiday Insurance Cover, Snowboarding Insurance Cover )

• Holiday Insurance over 65 (InsureForAll )

• Backpacker Insurance (includes cover from 31-365 days, European or worldwide cover including Australia and New Zealand, sports and activities automatically included - including 2 bungee jumps)

• Snowboarding Insurance (includes cover from 2-60 days, European or worldwide cover, Individual, couple, family cover)

Car Insurance

Car insurance is the kind of automobile insurance which is purchased by consumers (mostly) for their personal four-wheeler vehicles to ensure protection against losses caused due to traffic accidents, theft, fire damage, and other factors.

In countries like the United States, South Africa, and India, insuring one's car is a mandatory rule. Car insurance can cover the insured party, the insured vehicle, as well as third parties.

The insurance premium can be mandated either by the government or by the insurance company (in accordance to government regulations). The premium can vary depending on diverse factors which could affect the expected price of future claims, including:

Insurance in USA

The total premiums of the United States have reached at US $ 1,055,498 millions among which the premiums from life insurance were at US $ 480,919 millions and from non-life insurance were at US $ 574,579 millions, according to the U.S. Central Intelligence Agency, (economic/demo-graphic data) 2003.