InterMedical Insurance benefits program
Coverage is designed for people traveling outside the U.S and outside their home country, for up to one year.
Brief Outline of Coverages
This is a descriptive "brochure," not a Policy.
Your Certificate of Insurance will describe the provisions of the Master
Policy which will prevail. Your benefit limits depend upon your selection
of Plan A or Plan B, plus your purchase of the Optional AD&D Upgrade.
Medical Expense
Benefit - A: $25,000/B: $100,000 per Injury or Illness
If injury or illness occurs when coverage is effective
and you, your covered spouse or covered children require medical or
surgical treatment, InterMedical™ will pay after a $50 deductible
per injury or illness, 100 percent of all reasonable and customary charges
for Covered Expenses up to the maximum amount and incurred within 26
weeks of the covered accident or commencement of the covered illness
applicable to the selected Injury or Illness Medical Expense Benefit.
Covered Expenses
- Charges made by a hospital for room and board, floor
nursing and other services, including charges for professional services
and with the exception of personal services of a non-medical nature,
provided however, that expenses do not exceed the hospital's average
charge for semiprivate room and board accommodation.
- Charges made for diagnosis, treatment and surgery
by a physician.
- Charges made for the cost and administration of anesthetics.
- Charges for medication, x-ray services, laboratory
tests and services, the use of radium and radioactive isotopes, oxygen,
blood transfusions, iron lungs and medical treatment.
- Charges for physiotherapy, if recommended by a physician
for the treatment of a specific disablement and administered by a
licensed physiotherapist.
- Dressings, drugs and medicines that can only be obtained
upon a written prescription of a physician or surgeon.
- Hotel room charge, when insured, otherwise necessarily
confined in a hospital, shall be under the care of a duly qualified
physician in a hotel room owing the unavailability of a hospital room
by reason of capacity or distance or to any other circumstances beyond
the control of the insured.
Initial treatment must begin within 30 days of the covered
accident or commencement of covered illness. All benefits provided in
this policy will cease when an eligible insured person returns to his
home country. This policy will not pay for medical expenses incurred
in the insured person's home country.
Illness must be contracted and manifest itself during
the Period of Coverage. An accident which causes an injury must occur
during the Period of Coverage.
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Emergency Medical Evacuation
Expense Benefit - A: $50,000/B: $75,000
If Injury or Illness commencing during the Period
of Coverage requires emergency evacuation to either the nearest medical
facility where appropriate medical treatment can be obtained, or back
to the insured's home country, all covered expenses incurred are payable
up to the maximum benefit selected. An emergency evacuation must be
recommended by a legally licensed physician who certifies that the severity
of injury or illness necessitates such emergency evacuation and agreed
to by you or your representative. Arrangements must be made by AIGAssist.
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Accidental Death and Dismemberment
(AD&D) Benefit - A: $10,000/B: $100,000
If an Injury occurs during your Period of Coverage and
results in one of the following losses within 365 days after an accident,
the Policy will pay as follows:
- Loss of Life...............................A:$10,000.............B:$100,000
- Loss of two Members.............A:$10,000.............B:$100,000
- Loss of one Member...............A:$5,000...............B:$50,000
"Loss" with regard to hand or foot means actual
severance through or above the wrist or ankle joints; with regard to
eye means entire and irrecoverable loss of sight. "Member"
means hand, foot or eye. Only one amount, the largest to which you are
entitled, is paid for all losses resulting from one accident.
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Optional Additional
Accidental Death and Dismemberment: $400,000
This optional benefit may be purchased in addition to
Basic Plan A or Plan B. If the optional benefit is selected and the
premium paid in advance of the Period of Coverage, and If an Injury
occurs during your Period of Coverage and results in one of the following
losses within 365 days after an accident, the policy will pay, in addition
to Basic Plan limits, as follows:
- Loss of Life...............................$400,000
- Loss of two Members.................$400,000
- Loss of one Member..................$200,000
"Loss" with regard to hand or foot means actual
severance through or above the wrist or ankle joints; with regard to
eye means entire and irrecoverable loss of sight. "Member"
means hand, foot or eye. Only one amount, the largest to which you are
entitled, is paid for all losses resulting from one accident.
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Repatriation of Remains
Expense Benefit - A: $7,500/B: $7,500
If injury or illness commencing during the Period
of Coverage results in death, all reasonable expenses incurred for preparation
and return of the remains to the Insured's home country will be paid
by InterMedical.™ Covered expenses include, but are not limited
to expenses for embalming, cremation, coffins and transportation. Arrangements
must be made by AIGAssist.
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Bedside Visit - A: $1,500/B:
$1,500
The Policy will pay for strictly necessary traveling
costs incurred by a friend or relative to visit the insured when in
the opinion of a medical practitioner acceptable to the Company, such
a visit is necessary due to bodily injury or illness which constitutes
an immediate danger to life. These expenses must be authorized in advance
by AIGAssist.
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Escort for Minor
If you are hospitalized for more than 7 days, the
policy will pay to return your accompanying dependent children under
age 18 to their home, limited to the cost of a one-way economy airfare
less the value of applied credit from an unused return travel ticket,
with an attendant if necessary. These expenses must be authorized in
advance by AIGAssist.
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Exclusions
For Medical Expense Benefits, this insurance
does not cover:
- Pre-Existing Conditions, defined as any injury or
any illness which was contracted or which manifested itself, or for
which a licensed physician was consulted, or for which treatment or
medication was prescribed within three (3) years prior to the effective
date of this insurance.
- Services, supplies or treatment, including any period
of hospital confinement, which are not recommended, approved and certified
as necessary and reasonable by a physician, or expenses which are
non-medical in nature.
- Expenses incurred as a result of or in connection with:
a) Declared or undeclared war, or any act thereof; b) Injury sustained
while participating in professional athletics; c) Intentionally self-inflicted
injury, suicide or any attempt thereat while sane or insane; d) Motorcycle
driving, mountain climbing, sky diving, professional or amateur racing,
or piloting an aircraft; or e) Commission of a felony.
- Expenses for: a) Pregnancy, childbirth, or miscarriage;
b) Routine physical; c) Cosmetic or plastic surgery except as the
result of an accident; d) Elective surgery; e) Any mental or nervous
disorders or rest cures; f) Dental care, except as the result of injury
to natural teeth caused by an accident; g) Eye refractions or eye
examinations for the purpose of prescribing corrective lenses for
eyeglasses or contact lenses or for the fitting thereof, unless caused
by accidental bodily injury incurred while insured; or h) Alcoholism,
drug addiction, or use of any drug or narcotic agent.
- Treatment paid for or furnished under any other individual
or group policy or other service or medical pre-payment plan arranged
through the employer to the extent so furnished or paid or under a
mandatory government program or facility set up for treatment without
cost to any individual.
- Medical expenses incurred in the United States
or the insured person's country or countries of citizenship.
With respect to Accidental Death and Dismemberment,
Emergency Medical Evacuation Expense, and Repatriation of Remains Expense,
this plan does not cover any loss, fatal
or non-fatal, caused by, or resulting from:
- Suicide or self-destruction or any attempt thereat
while sane or insane;
- Disease of any kind;
- Bacterial infections except pyogenic infection which
shall occur through an accidental cut or wound;
- Hernia of any kind;
- Acting as a pilot, operator or member of the crew of
any aircraft or as a passenger in any aircraft used for or in connection
with acrobatic or stunt flying, racing or endurance tests, crop dusting,
seeding, spraying, fire fighting, exploration, pipe or power line
inspection, any form of hunting, bird or fowl herding, aerial photography,
banner towing, test or experimental purposes, flying in any rocket
propelled aircraft engaged in any flight requiring a special permit
or waiver;
- Declared or undeclared war or any act thereof;
- Service in the military, naval or air service
of any country.
With regard to Emergency Medical Evacuation or Repatriation
of Remains, exclusions 2,3, and 4 above shall be deleted.
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Worldwide Emergency Assistance
Service provided by AIGAssist
InterMedical™ includes a special service. You are
eligible to use any of the assistance services provided during the Period
of Coverage:
- 24-hour verification of medical coverage for clinics,
hospitals and physicians.
- 24-hour medical care location referral service.
- Medical care monitoring, arranging communication between
patient, family, physicians, employer, consulate or embassy.
- Emergency medical transportation/evacuation arrangements.
- Emergency message service for medical situations.
- Multilingual services.
- 24-hour contact for legal emergencies.
- Legal referral to help you locate a consular
official or attorney.
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Effective Date
Coverage begins at 12:01 a.m. on the latest of:
(1) the departure of the Insured Person from his home country;
(2) the date after the Insured Person's completed enrollment form and
correct premium are postmarked to Travel Insurance Services; or
(3) the requested effective date on the enrollment form.
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Expiration Date
Coverage will terminate on the earliest of:
(1) the return of the Insured Person to his home country;
(2) one year after the effective date of coverage; or
(3) the requested termination date on the Insured Person's enrollment
form for which premium has been paid.
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Call : 877-340-7910
