| Insurance Providers |
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| Coinsurance | Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit. |
In Network: Plan pays 80% up to $5k of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit.
Out Network: Plan pays 100% to the medical maximum. |
| Length of Coverage | 5 days up to 12 months |
Minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years. |
| Renewability | Yes : Up to 365 days |
Not Renewable |
| Medical Benefits |
| Hospital room and board |
Average semi-private room rate, including nursing services |
Covered |
| Intensive care unit |
Up to the overall maximum limit |
$500k |
| Hospital indemnity |
$100 per day of inpatient hospitalization (not subject to deductible or coinsurance). |
$100 per day to a maximum of 10 days |
| 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. | Covered |
| Emergency Services |
| Emergency local ambulance |
Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient. |
Covered |
| Hospital emergency room |
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 |
Claims incurred in 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)
Claims incurred outside the U.S.- No co-payment. |
| Dental |
| Emergency dental treatment |
Up to $300 (not subject to deductible or coinsurance). |
Accident: Usual & Customary Expense; Palliative: $100 |
| Acute Onset of Pre-Existing Condition |
| Acute Onset of Pre-Existing Conditions |
Under 80 years of age,covers up to overall maximum limit. covers up to $25K lifetime maximum (excludes chronic and congenital conditions) |
24 Months prior to the start date of coverage |
| Life |
| AD&D |
$250K maximum benefit for any one family or group (not subject to deductible or overall maximum limit). |
$25k with paralysis, coma |
| Common carrier AD&D |
Up to age 18 - $10,000 per member
Age 18 to 69 - $100,000 per member
Age 70 to 74 - $25,000 per member
Age 75 and older - $12,500(not subject to deductible or overall maximum limit). | Covered |
| Evacuation |
| Emergency medical evacuation |
$1M lifetime maximum, except as provided under acute onset of pre-existing condition. |
Covered up to $500k |
| Emergency reunion |
Up to $100K, maximum of 15 days (not subject to deductible or coinsurance) |
Covered up to $50k |
| Return of mortal remains or cremation/burial |
Up to $5K lifetime maximum. |
Covered up to $50k |
| Return of minor children |
Up to $50K (not subject to deductible or coinsurance). |
Covered up to $50k |
| Political evacuation and repatriation |
Up to $100K lifetime maximum (not subject to deductible or coinsurance). |
$50k; ($100k if enhanced political and natural disaster evacuation rider is purchased) |
| Natural disaster evacuation |
Up to $250 a day for 5 days (not subject to deductible or coinsurance). |
$50k; ($100k if enhanced political and natural disaster evacuation rider is purchased) |
| Trip interruption |
Up to $10K (not subject to deductible or coinsurance). |
Covered up to $5k |
| Unique Advantages |
- It is a comprehensive benefit plan.
- Optional coverage for Enhanced AD&D rider.
- Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.
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- Political Evacuation available up to $150K lifetime maximum not subject to deductible.
- No co-insurance percentage is applicable with this plan and the plan pays 100% after the deductible up to the overall limit.
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| Travel Insurance |
| Underwriter |
Lloyd's |
C&F Cayman SPC for and on behalf of ITI SP |
| Rating |
"A" (Excellent) |
"A" (Excellent) |
| Brochure and Details |
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