Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
Cheapest options in the market definitely more affordable
Fixed benefits plans are have specific benefit limits for different covered medical expenses.These benefit limits are not the same as the plan medical maximum.
Treatment Outside the U.S.50% of deductible waived, up to a maximum of $2,500. No coinsurance
Treatment Inside the U.S. (using Medical Concierge)50% of deductible waived, up to a maximum of $2,500. No coinsurance
Treatment Inside the U.S. (PPO Network)Subject to deductible. No coinsurance
Treatment Inside the U.S. (Non PPO Network)Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage
Hospitalization/room and boardIn U.S. – 100% of average semi-private room rate. Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).
Outpatient Office visits and Diagnostic/X-RaySpecialists/ consultants (pre-inpatient) - up to $500 prior to inpatient treatment; Specialists/consultants (post-inpatient) - up to $500 following outpatient surgery or inpatient treatment for 90 days after leaving hospital. Lab tests - up to $300 per visit; Diagnostic X-Rays limited to $250 per visit. No family doctor coverage.
Chemotherapy or Radiation TherapySubject to deductible. No coinsurance
Transplants$250,000 lifetime maximum
Emergency room illness (Additional $250 deductible if not admitted as an in patient)Covered only if admitted as Inpatient
Emergency room accident100%
Local ambulance due to injury or illness resulting in hospitalization$1,500 maximum limit per event - not subject to deductible or coinsurance
Emergency evacuationUp to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance.
Emergency reunion$10,000 lifetime maximum
Return of mortal remains$100,000 maximum limit. Not subject to deductible
Rx coverageInpatient: 100%. Outpatient: Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per inpatient event.
Physical therapyInpatient: 100% Outpatient: $40 maximum limit per visit, and 10 visit per event, available for 90 days following Inpatient Treatment or Outpatient Surgery.
Emergency dental due to accident$1,000 per period of coverage
Hospital indemnity (Outside the U.S. only)Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.