This comparison chart
shows information for
Non-US citizens.
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Lifetime maximum
$10,000 policy - for 80 &
above.
$50,000 policy - up to age
79.
$50,000 to $1,000,000
policy - up to age 69.
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Lifetime maximum
$10,000 policy - for 80 &
above.
$50,000 policy - up to age
79.
$50,000 to $1,000,000
policy - up to age 69.
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Lifetime maximum
$15,000 policy - for 80 &
above.
$60,000 policy - up to age 79.
$60,000 to $1,000,000 policy
- up to age 69.
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Lifetime maximum
$10,000 policy - for 80 &
above.
$50,000 policy - up to age 79.
$50,000 to $1,000,000 policy
- up to age 69.
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Per certificate period
$0, $100, $250, $500,
$1000 & $2,500 option
depends on age group.
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Annual deductible
$0, $100, $250, $500,
$1000 & $2,500 option
depends on age group.
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Annual deductible
$0, $100, $250, $500, $1000
& $2,500 option depends on
age group.
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Annual deductible
$0, $100, $250, $500, $1000
& $2,500 option depends on
age group.
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Co-Insurance
(Inside USA/Canada)
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80/20 co-insurance
After deductible, plan pays
80% of covered medical
expenses of next $5,000,
then 100% of covered
medical expenses up to
policy maximum.
Coinsurance will be waived
if expenses are incurred
within the PPO and
expenses are submitted to
Underwriters for review and
payment directly to the
provider.
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90/10 co-insurance
After deductible, plan pays
90% of covered medical
expenses of next $5,000,
then 100% of covered
medical expenses up to
policy maximum within
PPO Network.
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90/10 co-insurance
After deductible, plan pays
90% of covered medical
expenses of next $5,000,
then 100% of covered medical
expenses up to policy
maximum.
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90/10 co-insurance
After deductible, plan pays
90% of covered medical
expenses of next $5,000,
then 100% of covered
medical expenses up to
policy maximum within PPO
Network.
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Co-Insurance
(Outside USA/Canada)
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After deductible, plan pays
100% of covered medical
expenses up to policy
maximum.
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After deductible, plan pays
100% of covered medical
expenses up to policy
maximum.
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After deductible, plan pays
100% of covered medical
expenses up to policy
maximum.
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After deductible, plan pays
100% of covered medical
expenses up to policy
maximum.
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Provider Network
(Inside USA)
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Yes
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Yes
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Yes
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Yes
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Provider Network
(Outside USA)
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Yes
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Yes
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Yes
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Yes
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Yes, Renew Online
Minimum 5 days renewal
required.
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Yes, Renew Online
Minimum of 3 month of
initial purchase required to
get renewal option and
minimum 5 days of
renewal required.
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Yes, Renew Online
Minimum 5 days renewal
required.
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Yes, Renew Online
Minimum of 3 month of initial
purchase required to get
renewal option and minimum
5 days of renewal required.
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Renewal fee charged by
Insurance Company
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$5/policy
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$5/policy, if renewed less
than 1 month.
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$5/policy
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$5/policy, if renewed less
than 1 month.
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HCC Medical Insurance
Services (HCCMIS)
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International Medical
Group (IMG)
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Seven Corners (SC)
(Formally known as SRI)
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International Medical Group
(IMG)
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Lloyd's
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Sirius International
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Lloyd's of London
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Sirius International
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A "Excellent"
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A "Excellent"
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A "Excellent"
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A "Excellent"
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Premium
Benefits
Pre-existing Coverage
Plan Description
Exclusions
Brochure/Application
Claim form
Why this is best plan?
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Premium
Benefits
Plan Description
Exclusions
Brochure/Application
Claim form
Why this is good plan?
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Premium
Benefits
Pre-existing Coverage
Plan Description
Exclusions
Brochure/Application
Claim form
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Coverage detail
Brochure/Application
Print ID card
Print Policy Letter
Claim form
Exclusions
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Plan is currently not available
for applicants physically
located in State of New York.
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Medical Coverage (For Outpatient treatment, please check "coverage details" available under detail section)
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up to policy maximum for
average Semi-private room
rate, including nursing
services.
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Up to Policy Maximum for
average semi-private
room rate
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Up to Policy Maximum for
average semi-private room
rate
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Up to Policy Maximum for
average semi-private room
rate
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Intensive Care Unit (ICU)
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up to policy maximum.
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up to policy maximum.
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up to policy maximum.
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up to policy maximum.
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Covered as per policy
coverage up to policy
maximum.
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Covered as per policy
coverage up to policy
maximum.
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Covered as per policy
coverage up to policy
maximum.
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Covered as per policy
coverage up to policy
maximum.
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Up to Policy Maximum
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Up to Policy Maximum
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Up to Policy Maximum
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Up to Policy Maximum
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Up to Policy Maximum
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Up to Policy Maximum
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$5,000
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Up to Policy Maximum
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Medicine/Prescription
Drug
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Buy medicine from pharmacy
and file claim.
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Print Universal Rx Card
Buy medicine from
pharmacy and file claim.
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Up to Policy Maximum
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Print Universal Rx Card
Buy medicine from pharmacy
and file claim.
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As per policy.
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As per policy.
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Up to Policy Maximum
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As per policy.
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$15,000 limit per Certificate
Period for Eligible Medical
Expenses. $25,000 limit per
Certificate Period for
Emergency Medical
Evacuation (Only available to
Members under age 70)
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For foreign nationals visiting
the United States, up to $200
per day for each night spent
in the hospital after being
admitted for either a heart
attack or stroke. Max. Benefit
of $3,000 (refer to exclusion
#1 for details)
Up to $20,000 for U.S. citizens
traveling outside the United
States (refer to exclusion #1
for details)
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First 26 weeks of
complications of pregnancy
are covered
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Dental - Acute,
unexpected pain
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$100/certificate period.
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$100
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$100 (1 month or more
coverage)
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Dental - Accident related
emergency
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up to policy maximum.
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up to policy maximum.
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$500 (1 month or more
coverage)
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Emergency Medical
Evacuation/Repatriation
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up to policy maximum.
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$500,000
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$300,000
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up to policy maximum.
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$50,000
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$50,000
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$15,000 limit per Certificate
Period
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$50,000
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$50,000
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Up to $50 per item or
maximum of $250 per period
of Coverage
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Up to $50 per item or
maximum of $250 per
Period of Coverage
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$250
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up to $5,000.
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$5,000.
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$50,000
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up to $5,000.
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up to $5,000.
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$5,000
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up to $5,000.
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$10,000
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up to $10,000.
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Accidental death &
dismemberment (AD&D)
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Principal Sum
$25,000 for ages 18-69
$12,500 for ages 70-74.
$ 6,250 for ages 75 & above.
$ 5,000 for age below 18.
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$25,000
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$50,000 Principal Sum for
Insured or Insured Spouse,
$5,000 for Dependent
Child(ren).
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$25,000
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Common carrier
accidental death
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$50,000 per adult.
$25,000 for under age 18.
$250,000 Maximum/family.
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$50,000 to Beneficiary;
maximum of $250,000 per
family
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$100,000 per adult, $25,000
per child(ren) under age of
18; $250,000 Maximum per
family
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$50,000 to Beneficiary;
maximum of $250,000 per
family
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$50,000 Lifetime Maximum,
Medical Expenses only.
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Up to US$50,000 lifetime
maximum
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Up to policy maximum.
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Up to US$50,000 lifetime
maximum
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Identity theft assistance
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Up to US$500 per Period
of Coverage
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Up to US$500 per Period of
Coverage
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$100/night
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$100/night
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$150/night outside US. US
citizens only.
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Option available
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Option available
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Option available
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Option available
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Option available
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