Diplomat Long Term Insurance offers long term medical insurance coverage to travelers of any age travelling outside or inside the US. The plan is renewable up to 3 years. Senior Travelers 80 years and over are covered up to $20,000. Offers optional coverage for treatment of injuries resulting from adventure sports.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Inside of the United States:
The plan pays 80% up to $5,000 of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit as a result of an Illness is available. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.
Outside of the United States:
The plan pays 100% to the medical maximum outside USA and Canada.
Offers limited coverage while in the home country.The plans pays 80% up to $50,000 of the covered expenses, then 100% to a maximum of $50,000 for incidental trips to home country or $10,000 for extension of benefits.
The medical maximum provided is reduced to $20,000 for any illness or injury incurred from any athletic sport & hazardous activity not expressly covered here under is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; HeliJskiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any NonJcommercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.
For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
Low-Option additional $25.00 flat monthly rate: Arial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any Chartered or Leased Aircraft or Helicopter.
High-Option additional $50.00 flat monthly rate: Diving with Sharks; Mountain Climbing (if over 14 thousand feet, guide required); Running with Bulls; Safari & Big Game Hunting (use of firearms); Security Detail (use of firearms).
For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed:
Low-Option additional $12.00 flat monthly rate: Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo Horse; Polo Water; Softball; Swimming; Tennis; Track and Field; Volleyball.