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GUEST
MEDICAL
INSURANCE |
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Travel Insurance on-line
Health
care costs are different in the
United States than other
countries around the world. The United States health care
system is principally funded through private insurance. Access
to socialized health care is typically very restricted.
International Major Medical Plan is a temporary major medical
insurance plan
intended for indemnification of eligible expenses from injuries
or illnesses which occur within a specified geographical area.
Benefits may be assignable once validated. Until then, benefits
are paid directly to you to reimburse you for necessary medical
expenses which have been paid by you, subject to covered
expenses as outlined in the certificate of insurance.
There are
three basic types of people who need The Original International
Major Medical plan:
The Foreign National visiting or temporarily residing in the
USA
A trip,
regardless of business or pleasure, can be ruined by an
unexpected health problem. Although this plan cannot prevent an
accident or sickness from occurring, it can pay for the majority
of expenses which will occur.
The
Returning United States Resident
A United
States citizen or permanent resident who has been residing
outside of the United States for an extended period of time,
will discover that all traditional medical plans will require a
period of residency in the USA for 6 months to 5 years, before
they will become eligible for medical insurance. The Original
International Major Medical plan can provide the temporary
coverage needed until you become eligible for permanent medical
insurance.
The
Non-USA citizen working for a USA company, even in another
country
USA
companies many times employ citizens from all over the world.
Many USA companies want to offer all employees various benefits including
medical insurance. The Original International Major Medical plan
can offer coverage to non-USA citizens who are working for a
USA company, even in his
or her home country. The Original International Major Medical
plan provides needed medical coverage for only a few dollars a
day regardless of if you need coverage for a few days or a few
years.
DESCRIPTION OF AVAILABLE BENEFITS
Deductible: Choice of
$250, $500, $1,000 or $2,500 per illness or injury (optional
all-cause deductible also available)
Coinsurance: After
Deductibles are paid, the plan will reimburse 80% of next $5,000
in eligible expenses and then 100% up to the Maximum Benefit.
Maximum
Benefit: $500,000 or
$1,000,000 with optional increase
Eligible
expenses caused by an illness or injury and are incurred from
any doctor or any hospital within a specified geographical area
will be reimbursed to you. Benefits may be assignable directly
to the providers once a Claim Review has been completed.
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ELIGIBLE
EXPENSES
Hospital Expenses:
All medically necessary expenses while hospitalized.
Physician Services:
All medically necessary expenses for treatment.
Skilled Nursing Facilities:
All medically necessary expenses if confinement begins following
a medically necessary hospital confinement of 3 days or longer.
Home
Health Care: All
medically necessary expenses if hospitalization would have been
required if Home Health Care was not provided and the care is
provided in accordance with a written plan established, approved
and followed by a physician.
Ambulance
Services Expenses: To and from a hospital within 100 miles in
the same geographic area.
Prescription Drugs:
Covered during and following a period of hospitalization.
Repatriation of Remains:
In the event of death, Underwriters will reimburse the cost of
delivery of your remains to a mortuary nearest your home.
Common
Accident Provision:
In the event that you and any additional insured family members
suffer injuries from the same accident, only one deductible and
coinsurance shall be applied.
Global
Medical Transportation:
All medically necessary expenses for stabilization and
transportation to the facility nearest your home, which can
provide the appropriate care.
Lost
Luggage: In the
event that your checked on luggage is completely and totally
lost, Underwriters shall reimburse you to a maximum of $500,
excess of any and all other valid and collectible coverages.
Emergency Return Home:
If, after You have departed, You learn of the death of an
Immediate Family Member, or You learn of the substantial
destruction of Your home by fire, wind, flood, or earthquake,
Underwriters shall reimburse You the cost of an economy one way
air or ground transportation ticket for You to Your home, up to
a maximum of $5,000.
Trip
Cancellation Benefit:
If within two weeks prior to Your pre-paid ticketed or vouchered
trip departure Your trip must be cancelled
due to 1)
Your death, illness or injury causing hospitalization or
outpatient surgery, or 2) the death of an Immediate Family
member, or 3) the substantial destruction of Your home due to
fire, wind flood, or earthquake, any unused and non-refundable
portion of expenses, shall be reimbursed up to a maximum of
$1,000, excess of $100 each and every loss and excess of all
other valid Insurances.
$25,000 Accidental Death:
Double indemnity ($50,000 total) if accidental death occurs
while riding as a passenger of a common carrier.
PREEXISTING CONDITIONS LIMITATIONS.
A Preexisting Condition will not
be covered until the insurance described in this certificate has
been in effect for a period of 12 months. A preexisting
condition is one in which an insured sought medical attention or
was advised to seek medical attention during the 12 month period
preceding the effective date of the policy.
EXCLUSIONS
-
Any expense which you are not
legally obligated to pay.
-
Services which are not
Medically Necessary or are not furnished by and under
supervision of a Physician
-
Expenses for services and
supplies for which you are entitled to benefits, services or
reimbursement through the Veterans' Administration, Workers'
Compensation insurance, any private health plan or from any
other source except Medicaid.
-
Expenses in excess of usual,
customary and reasonable fees.
-
Outpatient drugs, except
following a hospitalization if prescribed for the same Illness
or Injury.
-
Self-inflicted injuries while
sane or insane.
-
Treatment for alcoholism, drug
addiction, allergies, and/or mental or nervous disorders.
-
Rest cures, quarantine or
isolation.
-
Cosmetic surgery unless
necessitated by an accidental injury.
-
Dental exams, dental x-rays and
general dental care except as a result of an accidental
injury.
-
Eye glasses or eye
examinations.
-
Hearing aids or hearing
examinations.
-
General or routine
examinations.
-
Injuries sustained from
participation in Hazardous Sports or Activities which in part
include mountaineering, snow skiing, scuba diving, hang
gliding, sky diving, racing of any kind, and all professional
or semi-professional sports.
-
Pregnancy and pregnancy-related
conditions including but not limited to fertility, pre-natal
care, childbirth, miscarriage, abortion or complications from
pregnancy to either mother or baby.
-
Injuries due to war or any act
of war (declared or undeclared).
-
Injuries sustained while
committing a criminal or felonious act.
-
Expenses incurred for or
resulting from pain which is not supported by medical
diagnosis.
-
Cataract surgery or any
elective surgery.
-
Custodial Care.
-
Expenses for supplies and
services that were not incurred within the specified
Geographic Area.
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