TravelGap China Insurance

Plan Summary

The TravelGap^® China plan covers routine, urgent and emergency medical services. Benefits include coverage for pre-existing medical conditions.

Policy Maximum	Travel Gap China Insurance plan offers maximum benefit per Insured Person per policy period of US$1,000,000.
Deductible	US$0 deductible per period of coverage.
Eligibility	- This plan is available to U.S residents, age 84 or younger, who live in approved states.
Pre-Existing Condition Coverage	- Treatment or medical services required while travelling against of a physician, while on a waitinglist for a specific treatment or when travelling for the purpose of obtaining medical treatment.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Physician visits, surgeon, Private duty nurse fee	- Pre-admission tests - Diagnostics: X-Rays - Hospital emergency room - Prescription Drugs
Plan Life	1 year
Underwriter	Underwritten by HM Life Insurance Company, which is rated A- (Excellent) by A.M. Best Company.
Buy - Online	Apply & purchase online TravelGap China Insurance
Brochure	Complete, mail/fax the TravelGap China Insurance Brochure along with payment

TravelGap China Insurance Benefits

Travel Gap China Benefits
Medical Benefits
Maximum Benefit per Insured Person per policy period	US$1,000,000
Deductible per Insured Person per policy period	US $0
After the Deductible is satisfied, benefits are paid for Covered Expenses as follows up to the Medical Limit:
Benefits	Insurer Pays After Medical Benefit Deductible is Paid:
Professional Services:
a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab	100%
b. Office Visits: including X-rays and lab work billed by the attending physician.	100%
Inpatient Hospital Services:
a. Surgery, X-rays, In-hospital doctor visits	100%
b. In-patient medical emergency	100%

Ambulatory Surgical Center	100%
Ambulance Service (non Medical Evacuation)	100% up to $1000
Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor)	Maximum Benefit up to $10,000
Outside the U.S. Outpatient prescription drugs	100% of Covered Expenses
Dental Care required due to an Injury	100% of Covered Expenses up to $200 maximum per Trip Period and $200 per tooth
Dental Care for Relief of Pain	100% of Covered Expenses up to $100 maximum per Trip Period and $100 per tooth
Other Benefits	Insurer Pays Without a Deductible Being Applicable
Accidental Death and Dismemberment	Maximum Benefit Principal Sum up to $50,000
Repatriation Of Remains	Maximum Benefit up to $25,000
Medical Evacuation	Maximum Benefit per Trip Period for all Evacuations up to $500,000
Bedside Visit	Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person