Diplomat Long Term Insurance Reviews for Covid19

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Covid 19 Global Underwriters travel insurance coverage for Coronavirus, Travel health insurance with covid coverage

Global Underwriters travel insurance offers coverage for coronavirus as any new sickness. If it is pre-existing, then it's excluded. That is of the travelers is infected before the plan effective date, the travel insurance will treat it as pre-existing and will not offer coverage for it.

The coronavirus testing would be covered if a medical physician deems it necessary that the insured fits the criteria for the test and the insured is effective on the policy during the time of the testing. The medical expenses would be covered as well during the time of the policy and if the signs and symptoms started during the effective date of the policy and will be paid per the parameters of the policy.

Insurance provider
Global Underwriters

Plan life
Minimum of 3 months to 365 days per policy period.
Diplomat LongTerm insurance can be renewed online up to maximum up to 3 years.

Deductible options^?
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000

Policy maximum^?
$500,000 & $1,000,000; Age 70 to 79: $100,000; Age 80+: 20,000

Diplomat Long Term insurance rating
AM Best Rating: "A" (Excellent)

Diplomat Long Term insurance coinsurance^?
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Diplomat Long Term underwriter
Underwritten by C&F Cayman SPC for and on behalf of ITI SP.

Diplomat Long Term Links

Brochure
Details
Comprehensive
COMPREHENSIVE PLAN
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)
Claims
Provider Network

Diplomat Long Term travel insurance, Global Underwriters insurance review

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 Non US Residents while visiting the US. Individuals travelling outside their home country.

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.

Advantages
Disadvantages

Diplomat Long Term Insurance advantages

Diplomat Long term Insurance Covid19 travel insurance by Global Underwriters for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
Comprehensive coverage plan.
$100,000 coverage for 71-79 years, $20,000 coverage for 80+ travelers.
Optional rider cover for hazardous activity, Athletic coverage and home country coverage.
Deductible per policy period.
This Plan also covers AD & D, emergency reunion, trip interruption, baggage loss.
Plan can be purchased initially for a maximum of 12 months and can be renewed up to 36 months.
Co-insurance: Plan pays 100% of Covered Expenses outside the USA and Canada. Expenses incurred in the USA and Canada is paid at 80% of the first $5000 then 100% to the policy maximum.

Diplomat Long Term Insurance Disadvantages

Pre-existing conditions exclusion 18 months prior to the start date of coverage.
Refund of premium after deducting processing charges if intimated before the effective date of the policy.
Does not cover pre-existing conditions for non-US citizens.

Does Diplomat Long term Insurance Coronavirus cover covid illness?

Global Underwriters Covid19 travel insurance by Diplomat Long term travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

What are some insurance terms important in Diplomat Long Term Insurance reviews?

Plan Maximum coverage of Diplomat Long Term travel insurance:
This the maximum coverage that the plan would offer for the medical expenses. Diplomat Long Term insurance offers plan maximum options of $500,000, $1,000,000 for below 69 years,$100,000 for ages 70 years through 79 years and $20,000 for age 80 years and over are available.
What is a deductible in Diplomat Long Term visitors insurance?
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Diplomat Long Term insurance has deductible options from $0 to $5000.
What is a provider network of Diplomat Long Term Medical Insurance?
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
What is coinsurance in Diplomat Long Term visitor insurance?
This is a percentage of the bill that the travel has to pay. The plan pays 100% to the medical maximum outside USA and Canada.
For coverage inside USA:
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.
Renewability of Diplomat Long Term Travel health insurance
Diplomat Long Term Insurance can be renewed from 15 days to 12 months. Additional coverage is available for up to 12 months at a time up to 36 consecutive months.
Eligibility to buy Diplomat Long Term Insurance Online
It is ideal for individuals travelling outside their home country and non US Residents while visiting the US..
Diplomat Long Term Insurance underwritten by C&F Cayman SPC for and on behalf of ITI SP. and rating "A (Excellent)" by AM Best Rating.