$50,000, $100,000, $500,000, $1,000,000
For above 80 years: maximum is limited to $15,000
Deductible
$0, $100, $250, $500, $1,000 or $2,500 per certificate period
$0, $100, $250, $500, $1000, $2500 for every injury or illness
$0; $100; $250; $500; $1000; $2500
Co-Insurance
Coinsurance will be waived if expanses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider. Out of network plan pays 80% of the first $5000, then plan pays 100% up to policy max.
In network plan pays 90% of the first $5000, then plan pays 100% up to policy max per policy period
Plan pays 80% of the first $5000, then plan pays 100% up to policy max per policy period
Medical & Dental Benefits for Pre-existing Conditions:
$100,000 lifetime maximum for eligible medical expenses for overall maximum limits of $100,000, $200,000, $500,000 or $1,000,000; otherwise $50,000.
$25,000 lifetime maximum for emergency medical evacuation
Medical:
- Up to age 65 with primary health plan - Up to plan maximum.
- Up to age 65 without primary health plan - $20,000 lifetime maximum.
- Above 65 with or without primary health plan - $2,500 lifetime maximum. Emergency Medical Evacuation: Up to $25,000 of eligible costs and expenses
US Citizens: Covered outside US & CAN up to $20,000 for under 65y & $2,500 for over 65y;
Non-US citizen: Not Covered; Look back period for pre-existing conditions is 3 years prior to start of plan
Evacuation, Repatriation & AD&D Benefits for Pre-existing conditions:
Not Covered; Look back period for pre-existing conditions is 2 years prior to start of plan
Not Covered; Look back period for pre-existing conditions is 3 years prior to start of plan
Covered; US $300,000
Ambulance:
$50,000
$50,000
$5,000
Pregnancy:
Yes; Only complications during the first 26 weeks
Not Covered
Not Covered
Refund Policy:
Yes; Written notice before start date; If after effective date, cancellations will be granted with a $25 fee if no claims have been submitted.
Yes; Written notice before start date; If after effective date, cancellations will be granted with a $25 fee if no claims have been submitted; Only full month premiums will be considered for refunds.
Yes; Written notice before start date; If after effective date, cancellations will be granted with a cancellation fee.
Maximum Plan life:
364 days
24 months
6 months (for age 65+ the max plan life is 12 months)
Minimum Plan Life:
5 days
5 days
5 days
Plan Renewals:
$5 for renewals. Policies of 5 or more days are eligible for renewal.
1 or more months of coverage must be purchased for plan to be renewable
$5 for renewals online or by mail or fax; Online policies of 5 or more days are eligible for renewal; Policies purchased via fax or mail can be extended if purchased or renewed for 3 months or more
