Choose your insurance coverage
1 | 2.45 USD per day | Details |
ACCIDENT & SICKNESS MEDICAL EXPENSE BENEFITS
Benefits will be provided only for the coverages listed below and will be paid only up to the amounts shown. Benefits are not provided for coverages marked “NIL”.
Per Injury or Sickness Maximum for all Injury and Sickness Medical: |
$100,000 |
Deductible (Outpatient Services Only) Per Injury or Sickness: |
$0 |
Coinsurance: |
100% of Usual, Reasonable & Customary (URC) Charges or Preferred Allowance, if a contracted Provider is used |
Terms of Payment: |
Full Excess |
Pre-Existing Conditions: (subject to 36-month look back period, see definition) |
12-month Waiting Period, then limited to $5,000 thereafter |
Home Country Coverage |
NIL |
BENEFIT COVERAGE |
COVERED BENEFIT |
---|---|
Hospital Room & Board Benefit: · Subject to Semi-private room rate |
100% URC |
Intensive Care/Cardiac Care Unit Benefit |
100% URC |
Hospital Miscellaneous Expense Benefit |
100% URC |
Surgeon (In or Outpatient) Benefits |
100% URC |
Assistant Surgeon Benefit |
100% URC |
Pre-Admission Testing Benefit |
100% URC |
Anesthesia Benefit |
100% URC |
Day Surgery Miscellaneous Benefit |
100% URC |
Diagnostic X-Ray and Lab Benefit |
100% URC |
Ambulance Benefit |
100% URC |
Physician Visit Benefit (Inpatient) |
100% URC |
Physician Visit Benefit (Outpatient) |
100% URC |
Consultant Physician Benefit |
100% URC |
Radiation/Chemotherapy Benefit |
100% URC |
Emergency Room Benefit · Triage is mandatory · Co-Payment only applies to services rendered in the USA |
100% URC, subject to a $350 Co-Payment, waived if admitted |
Emergency Dental Expense Benefit |
100% URC |
Palliative Dental |
100% URC, up to $200 maximum benefit per tooth |
Physiotherapy Expense Benefit - Inpatient |
100% URC |
Physiotherapy Expense Benefit - Outpatient |
100% URC, up to $2,500 maximum |
Durable Medical Equipment Expense Benefit |
100% URC |
Infants born following Complications of Pregnancy |
100% URC up to $75,000 Maximum ($200,000 Maximum in the USA or Caribbean) |
Emergency Medical Evacuation Expense Benefit |
100% of actual expense |
Emergency Medical Repatriation Expense Benefit |
100% of actual expense |
Emergency Reunion |
100% of actual expense |
Prescription Drug Benefit |
100% URC |
Return Ticket Benefit |
100% URC, up to $5,000 per Policy Period |
2 | 0.41 USD per day | Details |
What's included in the individual Plan?
- 24/7/365 access to physicians for non-emergency medical conditions usually available within 20 minutes and no appointment necessary
- 2 visits per occurrence for short term mental health counseling with licensed therapist. Available 24/7/365 with no appointment necessary
- Unlimited access to mental health counseling for longer term issues by appointment. Telepsychiatry and prescriptions available, if necessary
- Dermatology consultations available by appointment
- Sexually transmitted infections discreetly tested and follow up medical advice provided
All available at no additional cost for consultations. No deductible, copayment or coinsurance payments needed and no insurance policy exclusions or limitations!