Co-Insurance
(Inside USA/Canada)
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After you pay the deductible, underwriters
will pay 80% of the next $5,000 of Eligible
Expenses, then 100% to the Overall
Maximum Limit. 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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After you pay the deductible, the
program pays 90% of the next $5,000
of eligible expenses, then 100% to the
selected Medical Maximum.
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Pre-Existing Condition
Coverage
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Age under 70: You are covered for an
Acute Onset of a Pre-existing Condition.
Coverage is available up to $15,000
Maximum for Eligible Medical Expenses and
up to $25,000 for Emergency Medical
Evacuation.
Ages 70 & above: No Pre-existing
coverage.
An Acute Onset of a Pre-existing Condition is
a sudden and unexpected outbreak or
recurrence of a Pre-existing Condition which
occurs spontaneously and without advance
warning either in the form of Physician
recommendations or symptoms. Treatment
must be obtained within 24 hours of the
sudden and unexpected outbreak or
recurrence.
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For US Citizens: Up to $20,000 for U.S.
citizens traveling outside the United
States.
For Non-US Citizens: 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.
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Age under 70: Up to $5,000 in
coverage for Myocardial Infarction
(heart attack) or Stroke.
Age 70 and above: Up to $3,000
in coverage for Myocardial
Infarction (heart attack) or Stroke
Please see schedule of benefits for
this plan.
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