| Coinsurance |
The plan pays 100% |
Not Available |
| Length of Coverage |
5 days to 364 years |
5 days to 364 days |
| Renewability |
Yes |
Up to 3 years |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate |
Economy: Up to $1.4k/day, 30 day maximum
Basic: Up to $2k/day, 30 day maximum
Silver: Up to $2k/day, 30 day maximum
Gold: Up to $2k/day, 30 day maximum
Platinum: Up to $3k/day, 30 day max
Diamond: $1.5k per day to a maximum of 30 days
Diamond Plus: $1.5k per day to a maximum of 30 days
|
| Intensive care unit |
Up to the overall maximum limit |
Economy: Additional $2.1k/ day, 10 day maximum
Basic: Additional $2.5k/ day, 8 day maximum
Silver: Additional $2.5k/ day, 8 day maximum
Gold: Additional $3k/ day, 8 day maximum
Platinum: Additional $4.5k/ day, 10 day maximum
Diamond: $2.3k per day to a maximum of 8 days
Diamond Plus: $2.3k per day to a maximum of 8 days |
| Hospital indemnity |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
Not Available |
| Urgent Care Clinic |
Claims incurred in the U.S.- Up to $15 co-payment. (co-payment is waived for members with a $0 deductible)
Claims incurred outside the U.S. - No co-payment. |
Economy: Limited to $55 per visit, one visit per dayand 30 visits per Policy Period
Basic: Limited to $75 per visit, one visit per day
and 30 visits per Policy Period
Silver: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Gold: Limited to $100 per visit, one visit per day and 30 visits per Policy Period
Platinum: Limited to $130 per visit, one visit per day and 30 visits per Policy Period
Diamond: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Diamond Plus: Limited to $75 per visit, one visit per day and 30 visits per Policy Period |
| Emergency Services |
| Emergency local ambulance |
Covered |
Economy: $500 per Inciden
Basic: $650 per Incident
Silver: $650 per Incident
Gold: $650 per Incident
Platinum: $750 per Incident
Diamond: $650 per Incident
Diamond Plus: $650 per Incident |
| Hospital emergency room |
Outside the U.S: No co-payment
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)
|
Economy: $350 per Incident
Basic: $500 per Incident
Silver: $500 per Incident
Gold: $600 per Incident
Platinum: $800 per Incident
Diamond: $500 per Incident
Diamond Plus: $500 per Incident |
| Dental |
| Emergency dental treatment |
$250 per Policy Period |
Economy: $600 per Inciden
Basic: $750 per Incident
Silver: $750 per Incident
Gold: $750 per Incident
Platinum: $750 per Incident
Diamond: $750 per Incident
Diamond Plus: $750 per Incident |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or cardiac conditions, which will be limited to $25K up to and including age 69, with a $25K Maximum Lifetime Limit for Emergency Medical Evacuation. |
Economy: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Basic: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Silver: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Gold: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k
Diamond: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15k
Diamond Plus: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15,00 |
| Life |
| AD&D |
Up to $25K |
Economy: $5k Principal Sum
Basic: $5k Principal Sum
Silver: $7.5k Principal Sum
Gold: $7.5k Principal Sum
Platinum: $10k Principal Sum
Diamond: $5k Principal Sum
Diamond Plus: $5k Principal Sum |
| Common carrier AD&D |
Not Available |
Economy: $25k Principal Sum
Basic: $25k Principal Sum
Silver: $35k Principal Sum
Gold: $35k Principal Sum
Platinum: $35k Principal Sum
Diamond: Not Available
Diamond Plus: Not Available |
| Evacuation |
| Emergency medical evacuation |
100% up to $2M |
Economy: $100k per Policy Period
Basic: $100k per Policy Period
Silver: $100k per Policy Period
Gold: Unlimited
Platinum: Unlimited
Diamond: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80
Diamond Plus: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80 |
| Emergency reunion |
Covered up to $15k |
Not Available |
| Return of mortal remains or cremation/burial |
100% up to $50,000 |
Economy: $7.5k per Policy Period
Basic: $7.5k per Policy Period
Silver: $10k per Policy Period
Gold: $20k per Policy Period
Platinum: $25k per Policy Period
Diamond: $7.5k per Policy Period
Diamond Plus: $7.5k per Policy Period |
| Return of minor children |
Up to $5K |
Economy: $2.1k per day to a maximum of 10 days
Basic: $2.5k per day to a maximum of 8 days
Silver: $2.5k per day to a maximum of 8 days
Gold: $2.5k per day to a maxium of 8 days
Platinum: $4.5k per day to a maximum of 8 days
Diamond: $2.3k per day to a maximum of 8 days
Diamond Plus: $2.3k per day to a maximum of 8 days |
| Political evacuation and repatriation |
Up to $25K |
Economy: $500 per Policy Period
Basic: $500 per Policy Period
Silver: $500 per Policy Period
Gold: $500 per Policy Period
Platinum: $500 per Policy Period
Diamond: $500 per Policy Period
Diamond Plus: $500 per Policy Period |
| Natural disaster evacuation |
$10k per Policy Period, Up to $250 per day to a max of 5 days for Reasonable Expenses |
Economy: $5k per Policy Period
Basic: $5k per Policy Period
Silver: $7.5k per Policy Period
Gold: $7.5k per Policy Period
Platinum: $10k per Policy Period
Diamond: $5k per Policy Period
Diamond Plus: $5k per Policy Period |
| Trip interruption |
$5k (Per Policy Period does not cover lost trip cost) |
Not Available |
| Unique Advantages |
- It is a comprehensive plan.
- Travel medical insurance plan covers Covid-19 as any other illness.
- COVID-19 EXPENSES are covered and treated as any other sickness.
|
- It is a fixed benefit plan.
- Acute onset of pre existing condition is covered up to 89 years.
- Good provider network.
- This elite plan has a $0 deductible.
|
| Travel Insurance |
| Underwriter |
Crum & Forster SPC |
Crum & Forster, SPC |
| Rating |
"A" (Excellent) |
"A" (Excellent |
| Brochure and Details |
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