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 1 Month to 3 Years
- Medical Expenses to $1,000,000
- Emergency Medical Evacuation
- And More
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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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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 $100,000 U.S. or more, and a medical evacuation as much as $90,000 U.S. (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.
WorldMed™ Insurance is your affordable solution!
WorldMed™ is designed for people who are living or traveling outside their home country from one month to three 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 — see the Brief Outline of Coverages in this brochure for complete details.
WorldMed™ also provides you with 24-hour access to emergency assistance services through AIGAssist. AIGAssist 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.
Enroll now.
Let WorldMed™ give you financial protection and peace of mind so that you can enjoy your time abroad. See the reverse side for enrollment
options.
HIGHLIGHTS
WorldMed Insurance offers medical expense and emergency medical evacuation coverage to individuals traveling outside their home country.
WorldMed is the perfect solution for covering medical emergencies, evacuations, repatriations and more—coverage that your current group health
policy may not provide.
WorldMed Features
- Inbound Coverage - for people traveling to the U.S.
- Outbound Coverage - for people traveling outside the U.S.
- Affordable, daily rates
- Choose from up to 8 deducibles, from zero to $5,000
- Three plans to choose from (Plan A, Plan B, Lite), featuring various limits and benefits
- Live Travel - Can assist in re-booking flights and hotel reservations in the event of flight cancellations, delays or schedule changes.
- Home Country Coverage - Covers you in your home country for incidental visits
- Can be purchased up to four years (maximum one year per enrollment)
Valuable, New Benefits
- Felonious Assault Coverage - $15,000 limit
- Stolen Passport/Visas - Up to $500 (cost of obtaining replacement passports, travel tickets and other relevant travel documents lost as well
as additional travel expenses and hotel accommodations incurred to replace lost travel documents for losses arising out of robbery,
burglary, theft or natural disasters such as typhoons and earthquakes.)
- Emergency Dental for Relief of Pain—$100
Optional Buy-Ups Can Be Added
- Buy-Up Package - Adds the following:
- Hazardous Activities coverage
- Personal Security Services–Company will coordinate a transportation should you need a security evacuation to the nearest place of
safety
- Concierge Services–can make dining reservations on behalf of the customer, assist with scheduling golf tee times and making course
recommendations; 24/7 updates on sports scores, assist with obtaining theater tickets
- Accidental Death & Dismemberment Buy-Up–can purchase an additional $500,000 or $1,000 000 of AD&D coverage
- Accident/Sickness Buy-Up–If you are 70+ you can obtain higher limits of accident/sickness medical
- For ages 70-79, the Buy-Up is $100,000
- For age 80+, the Buy-Up is $50,000
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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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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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For Medical Expense & Trip Interruption, this insurance does not cover:
1) 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 years prior to the effective date of this insurance; 2) Services, supplies or treatment, including any period of hospital
confinement, which are not recommended, approved and certified as necessary and reasonable by a physician, or expenses which are non
medical in nature; 3) Expenses incurred as a result of or in connection with: a) Declared or undeclared war, or any act thereof; b) Injury sustained
while participating in professional athletics; c) Intentionally self-inflicted injury, suicide while sane or attempted suicide while insane; d)
Motorcycling, scuba diving, jet, snow and water skiing, mountain climbing, sky diving, professional or amateur racing, piloting an aircraft, bungee
jumping, spelunking, whitewater rafting, surfing or parasailing; or e) Commission of a felony; 4) Expenses for: a) Pregnancy, childbirth, or
miscarriage; b) Routine physicals; c) Cosmetic or plastic surgery, except as the result of an accident; d) Elective surgery; e) Any mental or nervous
disorders or rest cures; f) Dental care, except as the result of injury to natural teeth caused by accident; g) 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; h) Alcoholism, drug addiction, or use of any drug or narcotic agent; i) Treatment by the Insured’s Immediate
Family; or j) Expenses incurred within the Insured’s home country.
For Accidental Death & Dismemberment, this insurance does not cover:
Any loss, fatal or non-fatal, caused by or resulting from: 1) Intentionally selfinflicted injury, suicide while sane or attempted suicide while insane;
2) War or any act of war, declared or undeclared, or service in the military, naval or air service of any country; 3) Piloting or acting as a crew
member, or riding in any aircraft except as a fare paying passenger on a scheduled airline; 4) Illness, disease, pregnancy, childbirth, miscarriage;
5) Any bacterial infection other than one occurring from an accidental cut or wound; 6) Hernia; or 7) The insured being under the influence of
drugs (unless taken under the advice of a physician and within the amounts prescribed by a physician) or intoxicants of any type including alcohol.
For Emergency Medical Evacuation and Repatriation of Remains Expense, this insurance does not cover:
Any loss fatal or non-fatal caused by or resulting from (1), (2) or (3) above.
For Lost Baggage, this insurance does not cover:
Animals; automobiles or automobile equipment; boats; motors; motorcycles; other conveyances or their appurtenances (except bicycles while
checked as baggage with a Common Carrier); household furniture; eye glasses or contact lenses; artificial teeth or dental bridges; hearing aides;
prosthetic limbs; musical instruments; money or securities; tickets or documents; or sporting equipment if loss or damage results from the use
thereof.
All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall
apply only when such benefits are exhausted.
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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 one month to 12 months per Enrollment, and renewable under the same
confirmation for up to a total of 36 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.
Proof of Insurance
An Insurance Confirmation will be sent by mail to your mailing address on the Enrollment Form unless otherwise instructed. Correctly completed
Enrollments are processed and Confirmations of Insurance are normally mailed within 1-3 business days after receipt. Please keep this brochure
for reference.
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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 (Outbound) - GLB 9104883
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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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