WorldMed™
Insurance
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Purchase this Plan Online
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Your Affordable Solution for Health Care Costs Outside Your Home
Country
- Coverage From 15 Days and Renewable up to 4 years
- Medical Expense, Evacuation, Accidental Death and Much More
- Affordable Daily Rates
- Three plans to Fit Your Needs and Budget
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Agent Information:
MCIS Multichoice Insurance Services
40461 Fremont Blvd.,
Fremont, CA 94538, USA.
Ph: 1-800-507-1428
Ph: 1-510-456-5304
Fax: 1-510-402-4743
Website: www.insurancemultichioce.com
Email: contact@insurancemultichoice.com
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Summary
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WorldMed ™ Insurance is your affordable solution!
WorldMed™ is designed for people who are traveling outside their home country from 15 days to four years, providing high limit illness and
accident expense protection for a reasonable cost.
If you are injured or become ill while abroad, you can rely on WorldMed™ to reimburse you for your covered medical expenses. Major expenses
can be paid directly to the medical or evacuation provider. You pay the deductible and coinsurance if applicable.
WorldMed™ also provides you with 24-hour access to emergency assistance services which can help refer you to local doctors or hospitals,
provide multilingual interpretation, arrange your emergency medical evacuation, keep in touch with your physician and family back home, and
more.
International medical care can become a major expense to your family.
Traveling or living abroad can be an exciting, fulfilling experience. However, every year many people visiting foreign countries require emergency
medical treatment, hospitalization, or medical evacuation to their home countries.
A major illness or injury could cost you US$100,000 or more, and a medical evacuation as much as US$100,000 (Asia to the U.S.). For most
families, this would cause a severe financial strain.
Your present insurance may not pay for international expenses.
Traveling U.S. residents will find that Medicare and most Medicare supplement plans offer little or no protection outside the U.S. Further, many U.
S. medical policies, HMO’s and PPO’s provide limited international benefits, and most do not pay for medical evacuations. Visitors to the U.S. will
find that doctors and hospitals may not accept insurance issued in a foreign country and direct claims payment may be unavailable. Benefit limits
may also be inadequate.
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Medical Expense (Accident
and Sickness)
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Emergency Medical Evacuation
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Accidental Death &
Dismemberment
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$50,000 or 30 days whichever is
less
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$50,000 or 30 days whichever is
less
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Live Travel and Emergency
Travelers Assistance
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Hazardous Activities, Personal
Security Services, Concierge
Services
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Hazardous Activities, Personal
Security Services, Concierge
Services
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Accidental Death &
Dismemberment Buy-Up
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Choose $500,000 or $1,000,000
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Choose $500,000 or $1,000,000
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Accident Sickness Medical
Buy-Up
(applies only to ages 70+)
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Ages 70-79 : $100,000
Ages 80+ : $50,000
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Ages 70-79 : $100,000
Ages 80+ : $50,000
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Please note: The maximum benefit for age 70 - 79 is $50,000. The maximum benefit for age 80+ is $15,000.
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Hazardous Activities, Personal
Security Services, Concierge
Services
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Hazardous Activities, Personal
Security Services, Concierge
Services
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Accidental Death &
Dismemberment Buy-Up
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Choose $500,000 or $1,000,000
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Choose $500,000 or $1,000,000
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Accident Sickness Medical
Buy-Up
(applies only to ages 70+)
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Ages 70-79 : $100,000
Ages 80+ : $50,000
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Ages 70-79 : $100,000
Ages 80+ : $50,000
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For Medical Expense Benefits, this insurance does not cover expenses:
- For Pre-existing Conditions, defined as any Injury or Illness which was contracted or which manifested itself, or for which treatment or
medication was prescribed within three (3) years prior to the effective date of the insured person’s coverage. (This exclusion does not
apply to Emergency Medical Evacuation or Repatriation of Remains.) The Company will pay up to $300 per day for each night spent in the
Hospital after being admitted for a heart attack or stroke. Maximum amount payable is $5,000.
- For services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as
necessary and reasonable by a Physician, or expenses which are non-medical in nature;
- For suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane.;
- For declared or undeclared war or any act thereof;
- For injury sustained while participating in professional athletics;
- For pregnancy, childbirth, miscarriage or abortion;
- For routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory
diagnostic or x-ray examinations except in the course of a disability established by the prior call or attendance of a physician;
- For cosmetic or plastic surgery, except as the result of an accident;
- For elective surgery which can be postponed until the Insured returns to his/her country of residence;
- For any mental or nervous disorders or rest cures;
- For dental care, except 1) as the result of injury to natural teeth caused by accident up to $1,000 or 2) emergency dental treatment to
relieve pain up to $100;
- For eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or contact lenses or for the fitting
thereof, unless caused by accidental bodily injury incurred while insured hereunder;
- In connection with alcoholism or drug addiction, or use of any drug or narcotic agent;
- For congenital anomalies and conditions arising out of or resulting therefrom;
- For the ordinary cost of a one-way airplane ticket used in the transportation back to the Insured’s country where an air ambulance benefit
is provided;
- For expenses as a result of or in connection with intentionally self-inflicted injury;
- For expenses as a result of or in connection with the commission of a felony offense;
- For specific named hazards: motorcycling driving, scuba diving, jet, snow or water skiing, snowboarding, mountain climbing, sky diving,
professional or amateur racing, piloting an aircraft, bungee jumping, spelunking, whitewater rafting, surfing, parasailing, paragliding, or
hand gliding;
- For treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged
through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment
without cost to any individual.
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ENROLLMENT DETAILS
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Eligibility
Coverage is available to individuals traveling outside their home country or country of residence, and to dependent children (age 14 days through
18 years) traveling with the Insured. Coverage is available from 15 days to 12 months per enrollment, and renewable under the same
confirmation for up to a total of 48 consecutive months.
Effective Date
Coverage will begin at 12:01 A.M. on the latest of the following:
a) Your departure from your Home Country or Country of Residence; or
b) The date after the Insured Person’s completed enrollment form and correct premium are postmarked to Travel Insurance Services; or
c) The requested effective date on the Enrollment Form.
Expiration Date
Coverage will end on the earliest of the following:
a) Your return to your Home Country or Country of Residence; or
b) Twelve months after the effective date of coverage; or
c) The requested termination date on the Insured Person’s Enrollment Form for which premium has been paid.
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Cancellation
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Refund of premium, less a $20 processing fee, will only be allowed if a written request and your original Confirmation of Insurance are received by
Travel Insurance Services prior to the effective date of coverage. Once coverage is effective, the premium is considered fully earned and
non-refundable.
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Rates: Traveling To The U.S.
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Effective June 15, 2009: New Rates for Policy Number 9028418N (Inbound)
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Rates: Traveling Outside The U.S.
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Effective June 15, 2009: New Rates for Policy Number 9028417N (Outbound)
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Rates: WorldMed Lite
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WorldMed Lite (Outbound) - GLB 9104883
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WorldMed Lite (Inbound) - GLB 9104882
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Optional Benefit: Recreational Hazardous Activity Coverage
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Provides Medical Expense Benefits for these activities normally excluded from coverage: motorcycling,
scuba diving, jet, snow and water skiing, mountain climbing, sky diving, amateur racing, piloting an
aircraft, bungee jumping, spelunking, whitewater rafting, surfing or parasailing.
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Program Details
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WorldMed™
DESIGNED AND MARKETED BY
Travel Insurance Services
UNDERWRITTEN BY
The Insurance Company of the State of Pennsylvania,
Philadelphia, Pennsylvania, A rated by A.M. Best Company
and a member of the American International Group (AIG)
EMERGENCY ASSISTANCE PROVIDED BY
AIGAssist, Houston, Texas, USA
CLAIMS ADMINISTERED BY
AIG Life Insurance Company, Wilmington, Delaware, USA
WORLDMED™
Is a registered trademark of Travel Insurance Services
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