Diplomat America Insurance

Plan Summary

Diplomat America Insurance is an excellent visitor medical insurance policy. Diplomat America Insurance provides Accident and Sickness medical coverage, travel assistance, and Accidental Death and Dismemberment benefits to foreign nationals while visiting the United States.

Policy Maximum	Diplomat America Insurance plan offers benefit maximums of US$50,000, US$100,000 or US$250,000 and $500,000 for the life of the plan.
Deductible	US$100, US$250, US$500, US$1000 or US$2500 deductible per period of coverage.
Co-insurance	After you pay your selected deductible this plan will pay 80% of Covered Expenses up to $5,000 and 100% thereafter up to the selected policy maximum.
Eligibility	- Diplomat America provides Accident and Sickness medical coverage, travel assistance, and Accidental Death and Dismemberment benefits to foreign nationals while visiting the United States.	- Coverage is available for you, your spouse and unmarried dependent children, ages 14 days up to 18 years, while traveling to the United States.
Pre-Existing Condition Definition	- A Pre-existing Condition means any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed three (3) years prior to the effective date of this insurance.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Supervised by one or more Physicians, 24hour nursing service by registered nurses	- facilities for diagnosis and surgery - Pre-admission tests - Hospital emergency room - Prescription Drugs
Plan Life	The minimum period of coverage that can be purchased under this plan is 15 days and the maximum period of coverage is 12 months.
Underwriter	Underwritten by Insurance Company of State of Pennsylvania, member of American International Group (AIG) of companies.
Buy - Online	Apply & purchase online Diplomat America Insurance
Brochure	Complete, mail/fax the Diplomat America Insurance Brochure along with payment

Diplomat America Insurance Benefits

Eligibility

Diplomat America provides Accident and Sickness medical coverage, travel assistance, and Accidental Death and Dismemberment benefits to foreign nationals while visiting the United States. Coverage is available for you, your spouse and unmarried dependent children, ages 14 days up to 18 years, while traveling to the United States. Coverage for traveling outside the United States is available through the Diplomat International and Diplomat LT programs. Brochures and rates are available from your agent. Customized Group Coverage is also available.

Period of Coverage

The minimum period of coverage that can be purchased under this plan is 15 days and the maximum is 12 months. You can also combine these two increments to suit your travel needs. Rates are listed on the back of this brochure. This plan is not renewable.

Effective Date

Coverage will begin on the latest of the following:

a) Your departure from your Home Country ; or
b) The date your completed enrollment form and correct premium are received by Global Underwriters; or
c) The effective date requested on the enrollment form.

Expiration Date

Coverage will end on the earlier of the following:

a) Your permanent return to your Home Country; or
b) Twelve months after your coverage's effective date; or
c) The termination date shown on the enrollment form, for which premium has been paid.

Refund of Premium

Refund of premium, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.

Description of Benefits

All coverage, benefits and premiums are in U.S. Dollar amounts. If an Injury or Illness occurs in the USA during the Period of Coverage and the Insured Person requires medical or surgical treatment; this plan will pay, subject to the selected deductible and co-insurance, the following Covered Expenses, up to the selected policy maximum.

Covered Expenses

Only such expenses incurred as the result of and within 52 weeks from a Disablement, which shall mean an illness or an accidental bodily Injury necessitating medical treatment, and which are specifically enumerated in the following list of charges:

1. Charges made by a Hospital for room and board, floor nursing and other services, including charges for professional services, except personal services of a non-medical nature, provided, however, that expenses do not exceed the Hospital's average charge for semi-private room and board accommodation, or two (2) times the average semi-private room charge if confinement to an intensive care unit is required, or the actual charge for an intensive care unit made by the servicing Hospital, whichever is less;
2. Charges made for diagnosis, treatment and surgery by a Physician;
3. Charges made for the cost and administration of anesthetics;
4. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical treatment;
5. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist;
6. Hotel room charge, when the Insured, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to the unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond the control of the Insured;
7. Dressings, drugs, and medicines that can only be obtained upon written prescription of a Physician.

With regard to chiropractic care, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed chiropractor, 80% of eligible charges up to $35.00 per visit, with a maximum of 10 visits per Injury or Illness is allowable. The charges enumerated above shall in no event include any amount of such charges which are in excess of Regular & Customary charges. A charge incurred by an Insured shall be deemed a regular and customary charge for the services and supplies for which the charge is made if it is not in excess of the average charge for such services and supplies in the locality where received, considering the nature and severity of the Illness or bodily Injury in connection with which such services and supplies are received. If the charge incurred is in excess of such average charge such excess amount shall not be recognized as Covered Expenses. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained. The maximum total payment under the policy for an Illness that is first manifested, treated or diagnosed during an Insured Person's first thirty (30) days of coverage, commencing as of the Insured Person's effective date, is $1,000.