Fixed Coverage vs. Comprehensive Coverage – Which is Better?

 Usually, health insurance or visitor insurance plans for non-US citizens appear in two significant natures: fixed and comprehensive. 

Defining Fixed Coverage and Comprehensive Coverage Plans - 


Fixed coverage plans are lucrative & cost-efficient and provide necessary(basic) coverage. These are also known as Schedule of Benefit or Economy Benefit Plans. 


Comprehensive Coverage plans offer more expansive coverage. These are also known as Premium Coverage Plans, and they provide much flexible coverage than Fixed Benefit Plans. 


The difference between the two is primarily for pricing and the extent of care. 

With slightly higher costs than Fixed Plans — Comprehensive visitor insurance plans offer more benefits. Trip security, such as baggage loss or trip interruption coverage, is included in the plans. While Comprehensive Coverage Plans let you visit any doctor, it is recommended that you stay within your provider network. The cost of receiving treatment is divided between the client and the insurer. The client covers the cost of the deductible and copays on his own. The insurer covers the remaining cost of treatment. 


Before deciding between the two plans, ascertain your budget and your comfort with understanding risk. With these two thoughts, you can decide which plan is best for you. Price, risk, deductible, and coverage are all aspects that may be adjusted for a more optimal plan. For example, if you assume higher risk, the price will decrease, and vice versa.


With Safe Travels Comprehensive plans, you can opt for any of the two plans as per your requirement.


Let's read about both the plans in detail -

Fixed Coverage Insurance

It is a basic protection insurance plan, making the insurance to be more affordable. Though the plan may include some expenses that have to be paid out of pocket as well. There are some benefits of getting this plan, which includes:

  • More affordable

  • Protection for medical problems you may face abroad

  • Fixed or pre-defined coverage 

  • Little deductible amounts are typically accessible

As the plan has its restrictions, many people choose to protect themselves with a comprehensive coverage plan.


Let us learn about the other plan.


Comprehensive Coverage Insurance

With this plan, one gets complete protection though they are slightly higher in cost for better coverage. Also, you get a specific percentage of your bills covered. It is more preferred as there are less out of pocket expenses and peace of mind when away from home. The benefits of choosing a comprehensive plan include:

  • More reliable coverage for medical expenses

  • Percentage based coverage 

  • Better options in travel-related coverages

  • One time deductible 


Many travelers prefer comprehensive programs due to their coverage for unforeseen happenings and costs and offer additional services that other policies may not have. 


Our Take: When selecting a plan, check your risks involved along with your budget and go ahead with the best option. You can consult Insurance Companies such as Visitors Insurance for the best deal and option.

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