| Lifetime Maximum per Insured Person |
Unlimited |
Unlimited |
Unlimited |
| Annual Maximum per Insured Person |
Unlimited |
Unlimited |
Unlimited |
| Preventative and Primary Care |
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
|
100% |
100% |
| Professional Services |
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
|
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.
100%
|
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.
100%
|
| Inpatient Hospital Services |
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant, In-patient medical emergency, In-patient drugs
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
|
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant, In-patient medical emergency, In-patient drugs
100%
|
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant, In-patient medical emergency, In-patient drugs
100%
|
| Ambulatory Surgical Centers amd Ambulance Service |
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
|
100% |
100% |
| Accidental Dental |
- Outside U.S :- $1,000 per year, $200 per tooth
- U.S. (In Network) :- $1,000 per year, $200 per tooth
- U.S. (Outside Network) :- $1,000 per year, $200 per tooth
|
$1,000 per year, $200 per tooth |
$1,000 per year, $200 per tooth |
| Acupuncture and Chiropractic Services |
- Outside U.S :- 100% up to $2000
- U.S. (In Network) :- 80% up to $2000
- U.S. (Outside Network) :- 60% up to $2000
|
100% up to $2,000 |
100% up to $2,000 |
| Missed Trip Connection |
Not Covered |
Up to $125 per day($500 max per person) |
Up to $125 per day($500 max per person) |
| Durable Medical Equipment and Infusion Therapy |
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
|
100% |
100% |
| Physical/Occupational Therapy,deductible is waived |
- Outside U.S :- $50 limit per visit, 12 visits per year
- U.S. (In Network) :- $50 limit per visit, 12 visits per year
- U.S. (Outside Network) :- $50 limit per visit, 12 visits per year
|
$50 max each visit, 12 visits per year |
$50 max each visit, 12 visits per year |
| Prescription Drugs |
- Outside U.S :- 100% of actual charges
- U.S. (In Network) :- Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
- U.S. (Outside Network) :- Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
|
- Basic Prescription Drug Benefit (Pay and claim benefit only) :- 100% of actual charges up to $1000
- Optional Enhanced Prescription Drug Rider :- 100% of actual charges up to $25,000**.
|
- Basic Prescription Drug Benefit (Pay and claim benefit only) :- 100% of actual charges up to $1000
- Optional Enhanced Prescription Drug Rider :- 100% of actual charges up to $25,000**.
|
| Emergency Medical Transportation |
- Outside U.S :- Up to $250,000
- U.S. (In Network) :- Not Available
- U.S. (Outside Network) :- Not Available
|
Up to $250,000 |
Up to $250,000 |
| Repatriation Of Mortal Remains |
- Outside U.S :- Up to $250,000
- U.S. (In Network) :- Not Available
- U.S. (Outside Network) :- Not Available
|
Up to $25,000 |
Up to $25,000 |
| Unique Advantages |
- Contraceptive services, surgeries and supplies are covered under the policy.
- Unlimited annual and lifetime medical maximum.
- Meets all Schengen Visa requirements.
- Illnesses and injuries related to terrorism are covered.
|
- Have the same great benefits—worldwide coverage, excluding U.S., with a 50% savings.
- Unlimited annual and lifetime medical maximum.
- Meets all Schengen Visa requirements.
|
- Have the same great benefits—worldwide coverage, excluding U.S., with a 50% savings.
- Unlimited annual and lifetime medical maximum.
- Meets all Schengen Visa requirements.
|
| Accident death and dismemberment |
| Common Carrier |
- Outside U.S :- $50,000
- U.S. (In Network) :- $50,000
- U.S. (Outside Network) :- $50,000
|
$50,000 |
$50,000 |
| Travel Insurance |
| Underwriter |
4 Ever Life International Limited |
4 Ever Life International Limited |
4 Ever Life International Limited |
| Rating |
"A-" (Excellent) |
"A-" (Excellent) |
"A-" (Excellent) |
| Brochure and Details |
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