| Coinsurance help | Covers 90% of the first $2,500 then 100% up to the policy maximum |
The plan pays 100% up to the overall maximum limit |
Covers 80% of the first $5,000 then 100% up to the policy maximum |
| Length of Coverage help | Minimum : 5 days
Maximum : 364 days |
Minimum : 5 days
Maximum : 364 days |
Minimum : 5 days
Maximum : 364 days |
| Renewability |
Yes |
Yes |
Yes |
| Medical Benefits |
| Hospital room and board help |
Average semi-private room rate |
Average semi-private room rate |
The average semi private room rate |
| Intensive care unit help |
Up to the overall maximum limit |
Up to the overall maximum limit |
Three times the average semi private room rate |
| Hospital indemnity help |
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$50 per night up to a maximum of $500 per Policy Period |
| Urgent Care Clinic help |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
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. |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
| Emergency Services |
| Emergency local ambulance help |
Covered |
Covered |
Covered |
| Hospital emergency room help |
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
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) |
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) |
| Dental |
| Emergency dental treatment help |
$250 per Policy Period |
$250 per Policy Period |
$250 per Policy Period |
| Pre-Existing Condition |
| Pre-Existing Conditions help |
cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years
|
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. |
cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years |
| Life |
| AD&D help |
upto $500K |
$50K |
$25K |
| Common carrier AD&D help |
$25K |
$25K(Not subjected to medical deductible) |
25K |
| Evacuation |
| Emergency medical evacuation help |
100% up to $2M |
100% up to $2M |
100% up to $2M |
| Emergency reunion help |
$15K |
$15K |
$15K |
| Return of mortal remains or cremation/burial help |
100% up to $50K |
100% up to $50K |
100% up to $50K |
| Return of minor children help |
$5K |
$5K |
$5K |
| Political evacuation and repatriation help |
$25K |
$25K |
$25K |
| Natural disaster evacuation help |
$25K maximum limit |
$25K maximum limit |
$25K maximum limit |
| Trip interruption help |
$5K per Policy Period |
$5K per Policy Period |
$5K (Per Policy Period does not cover lost trip cost) |
| Unique Advantages |
- Co-Insurance 90% of the first $2,500 then 100% up to the policy maximum
- Visitors insurance plan is renewable up to 2 years and the plan life is 1 year.
- Acute onset of pre existing condition or unexpected recurrence of the condition is covered for $1,000.
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- Co-insurance after the deductible, 100% up to the Policy Maximum
- Optional riders for AD&D upgrade, Incidental home country coverage, and sports activities are available on this plan.
- Travel medical insurance plan covers Covid-19 as any other illness.
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- Co-insurance 80% of the first $5K then 100% up to the policy maximum
- Accident and Sickness Medical Policy maximum Choices $50K , $100K , $250K , $500K , $1M.
- The Safe Travels USA Cost Saver plan does not cover Covid -19 related illnesses.
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| Travel Insurance |
| Underwriter |
Zurich Insurance Europe AG Belgian branch |
Zurich Insurance Europe AG Belgian branch |
Zurich Insurance Europe AG Belgian branch |
| Rating |
AM Best Rating: "A" (Excellent) |
AM Best Rating: "A" (Excellent) |
AM Best Rating: "A" (Excellent) |
| Brochure and Details |
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