Q1: Who is eligible to purchase WorldMed Insurance?
A: Individuals traveling or residing outside their home country or country of residence for up to 3 years may purchase
WorldMed.
Q2: Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?
A: Yes. You may enroll in WorldMed regardless of how long you have been living or traveling outside your home country or
country of residence.
Q3: Is it possible to purchase WorldMed by telephone?
A: No. You may enroll online with our Secure Online Enrollment Form.
Q4: I need coverage as soon as possible. Will my WorldMed policy go into effect the day I enroll?
A: No. However, your policy can go into effect as early as one day after you submit your Enrollment online.
Q5: Is it possible to renew my policy?
A: Yes. For coverage periods of one month or less, your renewal form will be mailed with your insurance confirmation. For
coverage periods of more than one month, your renewal form will be mailed approximately one month prior to your Expiration
Date. Complete and mail or fax us the form with the appropriate premium payment before your coverage period expires to
avoid a lapse in coverage. The insurance is renewable up to a total of 36 months.
Q6: When I purchase with the online enrollment form, how will I know that you have accepted my enrollment form and
payment?
A: We will confirm your purchase by sending an email receipt to you.
Q7: Will proof of insurance be mailed to me?
A: Yes. The next business day after your Enrollment is processed, your Confirmation of Insurance will be mailed to the mailing
address specified on your Enrollment Form.
Q8: Why do you offer three WorldMed plans?
A: WorldMed Plans A and B are designed for those who want more complete coverage with high limit, combined Accident and
Sickness Medical Expense benefits. WorldMed Lite is a budget alternative, with lower limits and separate Accident and
Sickness Medical Expense benefits.
Q9: If I need medical care, will I have to pay for my expenses at the time of treatment?
A: You may have to pay for medical care at the time of treatment depending on the medical facility being used. In the event
that the medical facility requires payment up front, you can submit a claim for reimbursement, less your selected deductible
and the co-insurance. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are
typically coordinated and paid by the insurance company’s Assistance Service.
Q10: What is a deductible? Is the deductible per incident or per Confirmation?
A: The deductible is the amount that you, the Insured person, pay before the insurance begins to pay for covered medical
expenses.
The WorldMed plan rates are based on per person annual deductibles, $250, $500, $1,000 and $2,500. The higher the
deductible amount, the lower the premium rate. One exception: there is a $75 per incident deductible on the WorldMed Lite
Sickness Medical Expense coverage instead of the annual deductible selected at time of purchase.
Q11: What is co-insurance?
A: After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person,
must pay.
Once the deductible is met, WorldMed will pay 80% of all reasonable and customary expenses for Covered Expenses up to
$5000 annually, then 100% up to the Medical Expense benefit limit. One exception: Once the deductible is met on the World
Med Lite plan for coverage when traveling outside the U.S., WorldMed will pay 100% of all reasonable and customary
expenses for Covered Expenses, up to the Accident or Sickness Medical Expense benefit limit.
Q12: What out-of-pocket costs per person should I expect to pay for covered medical expenses?
A:
WorldMed Plans A and B – You will be responsible for covered expenses up to the amount of your selected annual
deductible, 20% of covered expenses up to $5000 annually, and expenses that exceed your selected Medical Expense
benefit coverage limit.
WorldMed Lite Plan – When traveling outside the U.S.
- Sickness Medical Expense Coverage – You will be responsible for covered expenses up to the $75 per incident
deductible, and any expenses that exceed the Sickness Medical Expense Limit of $5,000.
- Accident Medical Expense Coverage – You will be responsible for covered expenses up to the amount of your
selected annual deductible, and any expenses that exceed $100,000 ($15,000, for travelers who are 80 years old or
more).
WorldMed Lite Plan– When traveling within the U.S.
- Sickness Medical Expense Coverage – you will be responsible for covered expenses up to the $75 per incident
deductible, 20% of covered expenses up to $5,000 annually, and any expenses that exceed the Sickness Medical
Expense Limit of $5,000.
- Accident Medical Expense Coverage – You will be responsible for covered expenses up to the amount of your
selected annual deductible, 20% of covered expenses up to $5,000 annually, and any expenses that exceed $100,000
($15,000, for travelers who are 80 years old or more).
Q13: May I choose any doctor or hospital if I need medical care?
A:
Insureds Traveling to the U.S.
Yes, you may go to your choice of provider. In the U.S., however, there are advantages in using the providers in the MultiPlan
Network, WorldMed’s Preferred Provider Network. Network doctors and hospitals charge pre-negotiated rates which help you
to reach your benefit limit more slowly. Your benefit limit will not be reduced if you choose to be treated outside the MultiPlan
Network, however you may incur higher out-of-pocket costs.
Insureds Traveling Outside the U.S.
Yes. Outside the U.S., WorldMed does not use a Preferred Provider Network. Therefore, you may use any doctor or hospital
when you need medical care. You may call the Emergency Assistance Company can help you locate a doctor or hospital.
Q14: Is there a network provider in my area?
A:
Insureds Traveling to the U.S.
Most likely. For a listing of MultiPlan providers in your area please visit www.multiplan.com, or phone them at 800-672-2140.
Traveling Outside the U.S.
Outside the U.S., WorldMed does not use a Preferred Provider Network. The Emergency Assistance Company can help you
locate a doctor or hospital.
Q15: What is a beneficiary?
A: The Beneficiary is the person (or persons) who receives the Accidental Death benefit if the Insured dies in an accident
while insured under the policy. The Insured will automatically be the Beneficiary for any insured spouse and children.
Examples of beneficiaries include: your spouse, your children, your estate or your living trust.
Q16: Does WorldMed cover pre-existing conditions?
A: No. A Pre-Existing Condition is 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.” See WorldMed’
s complete list of exclusions.
Q17: What is “Home Country Coverage”?
A: Home Country Coverage is for covered medical expenses associated with follow-up care provided in an insured’s home
country for a covered accident or sickness that commenced during the insured’s travel outside his home country. The benefit
period is twenty-six weeks from the date the covered accident or sickness occurred.
Q18: Is it safe to purchase WorldMed Insurance online?
A: Yes. We work closely with our programmers to keep our forms in a highly secure ordering environment so you can enroll in
our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring
information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code,
which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our
site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning
of the page address (URL) will change from “http” to “https”, to let you know you are in a secure area. Also, a key or a closed
padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure
zone for the entire purchase process.
Q19: If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
A: Yes. You may cancel your insurance prior to your effective date and receive a premium refund, less a $20 processing fee.
Please mail, fax or email a refund request to Travel Insurance Services. You must also return your original Confirmation of
Insurance to Travel Insurance Services.
Q20: Am I eligible for a partial refund if I return home before my policy expires?
A: No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable.
(This is noted in the Enrollment Agreement when you purchase online.) Refunds are permitted only before coverage starts
(see question #19).
Q21: After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?
A: Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence,
please include a daytime phone number and reference your Online Order Transaction number.
Contact Us
If the correction results in an increase in premium, please submit check or credit card payment by fax or mail. When sending
credit card details, please include the number, expiration date and a statement authorizing Travel Insurance Services to
charge the additional amount.
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