Eligibility
Underwriter
Rating
Optional Riders| Benefits | Coverage |
| Medical expense benefits (subject to policy maximum, deductible and co-insurance) | |
| Hospital Room and Board Charges | The average semi private room rate |
| ICU Room and Board Charges | Three times the average semi private room rate |
| Outpatient Medical | Usual customary charge up to the selected medical maximum |
| Emergency Medical Treatment of Pregnancy | $1,000 |
| Mental or Nervous Disorders | $2,500 |
| Physiotherapy/Physical Medicine/Chiropractic | $50 per visit per day; up to 10 visits per policy period |
| Dental Treatment (Injury and emergency alleviation of pain) | $250 |
| Doctor Visits, X-rays and Prescriptions, Ambulance | Usual customary charge to the selected medical maximum |
| Unexpected Recurrence of a Pre-Existing Condition | The first $1,000 of Covered Expenses |
| Benefit Period | 1 year from the date of the covered accident or sickness |
| Additional Benefits (not subject to Deductible) | |
| Accidental Death & Dismemberment Principal Sum | $25,000 |
| Coma Benefit | $10,000 |
| Felonious Assault and Violent Crime | 100% up to $50,000 |
| Adaptive Home and Vehicle | $5,000 |
| Seatbelt Benefit | 10% up to $50,000 |
| Airbag Benefit | 10% up to $50,000 |
| Hijacking and Air or Water Piracy | Covered |
| Emergency Medical Evacuation | 100% up to $2,000,000 |
| Political/Natural Disaster Evacuation | $25,000 |
| Repatriation of Remains | 100% up to $1,000,000 |
| Emergency Reunion | $15,000 |
| Return of Minor Child(ren) or Travel Companion | $5,000 |
| Hospital Confinement | Pays you $50 per day in addition to paying the Hospital; 10 day Maximum |
| Lost Baggage | $1,000 per Policy Period |
| Trip Interruption | $5,000 (Per Policy Period does not cover lost trip cost) |
| Optional Benefits | |
| Upgrade AD&D | Up to $500,000 |
| Home Country Coverage/Follow Me Home Coverage | Up to 60 days - prorated |
| Athletic Sports Coverage | Some Sports are covered |
The Primary insurance plan is the one that starts to pay as soon as there is an unexpected injury/illness or when there is a medical expense without assuming that there is a secondary plan. In other words, the primary plan should pay regardless of the existence of the secondary plan just as if the patient had only the primary plan to cover him/her. The Secondary health insurance plan unlike the Primary under the coordination of benefits provision will then take into consideration the expenses that were not covered by the primary plan and will be considered for payment under the Secondary plan. Therefore, the Secondary plan will fill any gaps found in coverage from the Primary plan.
