Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

Claims incurred outside the U.S. or Canada,

For the Certificate Period, underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.

Full Policy Wording

Plan pays 100% of Eligible Expenses after deductible

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

Coinsurance: The payment by or obligations of the Insured Person for payment of Eligible Medical Expenses at the percentage specified in the Schedule of Benefits/Limits contained herein, and exclusive of the applicable Deductible.

Coinsurance

For Treatment received outside the US & Canada:
No Coinsurance

For Treatment received with the US & Canada:
In the PPO Network: The plan pays 90% of Eligible Medical Expenses up to US$5000, then 100% up to Maximum Limit
Outside of the PPO Network: The plan pays 80% of Eligible Medical Expenses up to US$5000, then 100% up to Maximum Limit

The Coinsurance maximum must be satisfied only once by the Insured Person during twelve months of continuous coverage. After the first twelve (12) months of continuous coverage under this insurance, a new coinsurance maximum will apply for each period of twelve (12) months of continuous coverage thereafter. No more than 2 coinsurance maximums per Insured Person must be satisfied within the maximum twenty-four (24) continuous coverage period.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

Coinsurance shall mean the percentage amount of Covered Expenses, after the Deductible, which is Your responsibility to pay.

United States Citizens Traveling Outside the United States: After You pay the Deductible, the plan pays 100% to the selected Maximum.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

Coinsurance Outside the United States:

Plan E: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the Medical Maximum as stated on the ID Card.

Plan F: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 80% of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the Medical Maximum as stated on the ID Card.

In no event shall the Company’s maximum liability exceed the Medical Maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period Deductibles per family under the same application will apply.

Full Policy Wording

COINSURANCE

Coinsurance Inside the United States:

Plan A: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 80% of the first $5,000 of Reasonable and Customary medical charges for Covered Expenses, then 100% to the selected Medical Maximum for Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card.

Plan B: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 75% of Reasonable and Customary medical charges for Covered Expenses to the selected Medical Maximum, excess of the Policy Period Deductible as stated on the ID Card.

Coinsurance Outside the United States:

Plan E: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the Medical Maximum as stated on the ID Card.

Plan F: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 80% of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the Medical Maximum as stated on the ID Card.

In no event shall the Company’s maximum liability exceed the Medical Maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period Deductibles per family under the same application will apply.

Full Policy Wording

Coinsurance shall mean the percentage amount of Covered Expenses, after the Deductible, which is Your responsibility to pay.

Foreign Nationals Traveling to the United States: After You pay the Deductible the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Maximum.

United States Citizens Traveling Outside the United States: After You pay the Deductible, the plan pays 100% to the selected Maximum.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

Co-insurance Rate: 80% of the First $5,000 of Covered Expenses, then 100% up to the Policy Maximum

Covered Medical Expenses Benefit – If a covered Injury or Illness occurs during the period of coverage and you require medical or surgical treatment; this plan will pay, subject to the selected deductible, applicable co-insurance and benefit maximums, the following Covered Expenses, up to the selected policy maximum. The first charges must be incurred within 90 days after the date of the Covered Accident or Sickness. No benefits will be paid for any expenses incurred which are in excess of Usual and Customary Charges. 1. Hospital Room and Board Expenses: the average daily rate for a semi private room when a Covered Person is Hospital Confined and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted but not the date of discharge. 2. Ancillary Hospital Expenses: services and supplies including operating room, laboratory tests, anesthesia and medicines when Hospital Con-fined. This does not include personal services of a non-medical nature. 3. Daily Intensive Care Unit Expenses: three times the average semi private room rate when a Covered Person is Hospital Confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services. 4. Medical Emergency Care (room and supplies) Expenses: incurred within 72 hours of an Accident or Sickness and including the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies. 5. Doctor Non-Surgical Treatment and Examination Expenses including the Doctor’s initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Doctor. 6. Doctor’s Surgical Expenses. 7. Assistant Surgeon Expenses when Medically Necessary. 8. Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis. 9. Physiotherapy Physical Medicine/Chiropractic Expenses on an inpatient or outpatient basis including treatment and office visits connected with such treatment when prescribed by a Doctor, including diathermy, ultrasonic, whirlpool, heat treatments, adjustments, manipulation, or any form of physical therapy and limited to $50 per visit, one visit per day and 10 visits per policy period. 10. X-ray Expenses (including reading charges). 11. Dental Expenses up to $ 250 due to Accidents or emergency alleviation of pain including dental x-rays for the repair or treatment of each tooth that is whole, sound and a natural tooth at the time of the Accident or emergency alleviation of dental pain. 12. Ambulance Expenses for transportation from the emergency site to the Hospital. 13. Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Doctor. 14. Medical Services and Supplies: expenses for blood and blood transfusions; oxygen and its administration. 15. Emergency medical treatment of pregnancy up to $1,000 per policy period. 16. Mental or nervous disorders or rest cures up to $2,500 per policy period.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.

Full Policy Wording

There is no Co-Insurance with this plan.