| Insurance Providers |
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| Coinsurance |
In Network: The plan pays 75% of the cost for eligible expenses
Out Network: The plan pays 60% in addition to the deductible. |
In-network: Plan pays 100%
Out-of-network: Plan pays 80% of eligible expenses up to $5K, then 100%
|
| Length of Coverage |
90 days up to 12 months. |
Minimum : 5 days
Maximum : 364 days |
| Renewability |
Yes |
Yes : 5 days to maximum of 1 year |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
The average semi private room rate |
| Urgent Care Clinic |
Claims incurred in the U.S.- $25 copay, 100% up to Policy Maximum
Out Network- $50 copay, 100% up to Policy Maximum |
$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay |
| Intensive care unit |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
| Up to the overall maximum limit |
| Radiology / X-ray |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
|
Up to the maximum limit |
| Physical Therapy |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
| Limited to $50 per visit, one visit per day and 10 visits per Policy Period. |
| Emergency Services |
| Emergency local ambulance |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
| Covered |
| Emergency Medical Treatment of Pregnancy |
Not Covered |
$1K per Policy Period |
| Hospital emergency room |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
|
Not covered |
| Dental |
| Emergency dental treatment |
Up to $300 (not subject to deductible or coinsurance). |
$250 per Policy Period |
| Evacuation |
| Emergency medical evacuation |
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
| 100% up to $2M |
| Emergency reunion |
$100K maximum limit. Not subject to deductible |
$15K |
| Return of mortal remains or cremation/burial |
$25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
|
100% up to $50K |
| Return of minor children |
$100,000 maximum limit. Not subject to deductible |
$5K |
| Political evacuation and repatriation |
Not Covered |
$25K |
| Natural disaster evacuation |
Not Covered |
$25K |
| Trip interruption |
Up to $10K (not subject to deductible or coinsurance). |
$5K maximum limit. Not subject to deductible |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
- The plan offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived).
- Maximum limit through age 69: $25,000
- Maximum limit ages 70 and older: $20,000
|
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 and $15K for ages 70 and above.Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35K, with a $25K Maximum Lifetime Limit for Emergency Medical Evacuation.
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| Life |
| AD&D |
Members under age 18: Up to $5K lifetime maximum.
Members age 18-69: Up to $25K lifetime maximum.
Members age 70-74: Up to $12.5K lifetime maximum.
Members age 75 and older: Up to $6,250 lifetime maximum.
$250K maximum benefit any one family or group.
Accidental death & dismemberment buy up: $25K |
$25K principal sum. |
| Unique Advantages |
- It is a comprehensive benefit insurance plan.
- The plan is available for individuals traveling outside their country
- Limited pre-existing condition coverage.
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- It is a comprehensive plan.
- Acute onset of pre-existing conditions is included
- Co-insurance after the deductible, 100% up to the Policy Maximum.
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| Travel Insurance |
| Underwriter |
SiriusPoint Specialty Insurance Corporation |
Zurich Insurance Europe AG Belgian branch |
| Rating |
AM Rating : A- |
AM Best Rating: “A+” |
| Brochure and Details |
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