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Diplomat Long Term Insurance Reviews

  • This plan can be purchased for a minimum of 3 months to maximum 12 months. Additional coverage may be available for up to 12 months at a time, to a maximum of 36 consecutive months.
  • This plan do not involve PPO network and you are free to visit any Doctor or Hospital and benefit level will be the same.
  • Ideal for US citizens visiting USA.

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A working example of using Diplomat Longterm travel insurance (Offered by Global Underwriters) *

Let us take an example: The medical bill is $25,000; Deductible is $250 and choosen Policy Maximum is $500,000.
  • Insurance coverage is $500,000
  • Deductible is $250 per certificate period
  • Coinsurance for claims incurred inside US: After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Total medical expenses is $25,000
The insured must pay the deductible ($250) before the insurance plan pays anything. Since the policy maximum coverage is $500,000. and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($500,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $8,000($4,000 + $4,000(80% of first $5,000)) $1,000 (20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $24,000 $1,000
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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In today’s global village people travel overseas and to different corners of the globe for different reasons. In this context, it is common to see people of different age groups traveling to the United States.

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