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Diplomat America

Diplomat America Insurance

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Diplomat America Insurance is offered by Global Underwriters and offers medical insurance cover to non US residents and non US citizens travelling to the United States. The traveller may be a tourist, student or exchange scholar. The benefits offered includes accident & sickness medical coverage, travel assistance and AD&D coverage. The plan covers travelers of all ages including senior citizens aged 80 years and above up to a maximum of $20,000. This plan also offers coverage for adventure sports at an additional price.

Brochure
Advantages
COMPARATIVE ADVANTAGES
Comprehensive coverage plan.

The plan pays co-insurance 80% of Covered Expenses up to $5,000 and 100% thereafter up to the selected policy maximum.

Deductible per policy period.

$20,000 coverage for 80+ travelers - best coverage.

Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
Disadvantages
DISADVANTAGES
Not renewable.

Pre-Existing Condition Exclusion: 24 months prior to the start date of coverage.

Plan not available for travelers traveling outside of US.

Refund of premium after deducting processing charges if intimated before the effective date of the policy.
Example
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Diplomat America Plan benefits for travelers aged 14 days to 99 years

Age

Age 2

Start Date

End Date

Coverage Region

Citizenship

GET QUOTE

Diplomat America Plan A Maximum $50,000 Deductible BUY NOW	Diplomat America Plan B Maximum $100,000 Deductible BUY NOW	Diplomat America Plan C Maximum $250,000 Deductible BUY NOW	Diplomat America Plan D Maximum $500,000 Deductible BUY NOW	Diplomat America Plan E Maximum $1,000,000 Deductible BUY NOW	Diplomat America Plan A Maximum $20,000 Deductible BUY NOW
Emergency Medical Evacuation
$500,000	$500,000	$500,000	$500,000	$500,000	$500,000
Return of Mortal Remains
$50,000	$50,000	$50,000	$50,000	$50,000	$50,000
Emergency Medical Reunion
$50,000	$50,000	$50,000	$50,000	$50,000	$50,000
Return of Minor Child
$50,000	$50,000	$50,000	$50,000	$50,000	$50,000
Interruption of Trip
$5,000	$5,000	$5,000	$5,000	$5,000	$5,000
Loss of Baggage
$50 per article; up to a maximum of $250	$50 per article; up to a maximum of $250	$50 per article; up to a maximum of $250	$50 per article; up to a maximum of $250	$50 per article; up to a maximum of $250	$50 per article; up to a maximum of $250
Emergency Dental Treatment
$100	$100	$100	$100	$100	$100
Accidental Death and Dismemberment
$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.	$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.	$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.	$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.	$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.	$25,000 (Enhanced Benefit Amounts available) with paralysis and coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
Political & Natural Disaster Evacuation
$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)	$50,000; ($100,000 if enhanced political and natural disaster evacuation rider is purchased)

Insurance Provider
Global Underwriters

Plan Life
15 days to 365 days

Underwriter
Advent Underwriting Limited on behalf of Syndicate 780 at Lloyd's; rated "A" (excellent) by A.M. Best

Rating
AM Best Rating: A (Excellent)

International Medical group Diplomat America plan summary

Eligibility

Non US citizens and Non-US residents while visiting the United States
Coverage is NOT available for Australian Citizens.
This plan does not cover U.S. residents/citizens or any travel outside the United States.
Note: This plan is also available to US citizens returning to the US for vacation or business trips while living abroad. A valid international address is required in order to apply.

Coinsurance^?

The plan pays 80% up to $5,000 of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.

Optional Riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Enhanced Political and Natural Disaster Evacuation Rider
Enhanced Political and Natural Disaster Evacuation Rider
This rider increase the coverage from $50,000 to $100,000 ($30 per person per month)
Athletic and Hazardous Activity Rider
Athletic and Hazardous Activity Rider
The medical maximum provided is reduced to $20,000 for any illness or injury incurred from any athletic sport & hazardous activity not expressly covered here under is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.

For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; HeliJskiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any NonJcommercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.

For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:

Low-Option additional $25.00 flat monthly rate: Arial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any Chartered or Leased Aircraft or Helicopter.

High-Option additional $50.00 flat monthly rate: Diving with Sharks; Mountain Climbing (if over 14 thousand feet, guide required); Running with Bulls; Safari & Big Game Hunting (use of firearms); Security Detail (use of firearms).

For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:

Low-Option additional $12.00 flat monthly rate: Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo Horse; Polo Water; Softball; Swimming; Tennis; Track and Field; Volleyball.

Middle-Option additional $26.00 flat monthly rate: Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Lacrosse; Martial Arts; Skiing (Slalom, Giant Slalom, Downhill); Wrestling.

High-Option additional $80.00 flat monthly rate: Football (no Division One); Gymnastics; Rugby; Soccer.

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