Underwriter
Rating
Renewability
Coinsurance?
Eligibility| Benefits | Coverage |
| Hospital room and board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive care | Up to the maximum limit |
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
| Remote Transportation | $5,000 per period, $20,000 lifetime maximum |
| Acute Onset of Pre-Existing Conditions | Under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation |
| Emergency room accident | Up to the maximum limit |
| Hospital Emergency Room(Inside the U.S.) | Injury: Not subject to Emergency Room
Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission |
| Hospital Emergency Room(Outside the U.S.) | Up to the maximum limit |
| Emergency dental treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
| Hospital indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Supplemental Accident | $300 per covered accident |
| Emergency medical evacuation | Up to maximum limit |
| Emergency reunion | $100,000 For a maximum of 15 days |
| Return of mortal remains or cremation/burial | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Return of minor children | $100,000 maximum limit |
| Political evacuation | $100,000 |
| Natural disaster | $25,000 maximum limit. Not subject to deductible. |
| Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Trip Interruption | $10,000 maximum limit. Not subject to deductible |
| Bedside Visit | $1,500 maximum limit. Not subject to deductible. |
| Remote transportation | $5,000per certificate period $20,000 lifetime maximum |
| Identity theft assistance | Up to $500 |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Lost / Theft of luggage, valuables, personal papers | $50 per item, $500 maximum limit |
| Terrorism | $50,000 maximum limit |
| Interfacility Ambulance Transfer | Company pays 100% |
| Sports & leisure activities | Up to the maximum limit for basic sports |
| Incidental home country coverage | Up to cumulative of 2 weeks |
| End of trip home country coverage | One month for every four months of travel coverage, up to a maximum of three months |
| Common carrier accidental death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. |
| Accidental death & dismemberment | $50,000 principal sum. |
| Small pet common carrier accidental death | $500 maximum limit. |
