Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

Deductible options $0, $100, $250, $500, $1,000 or $2,500 per person

Deductible: The dollar amount of Eligible Expenses, specified in the Schedule of Benefits and Limits, that the Member must pay per Certificate Period.

Full Policy Wording

$0, $100, $250 or $500 per Insured Person as selected by the Insured Participant and as indicated on the Declaration of Coverage.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

The deductible on this plan can be waived if you schedule care through HTH, with an HTH contracted provider overseas. HTH maintains a community of doctors and hospitals in 160 countries.

The selection standards used in credentialing these providers ensures that you will have access to quality healthcare. HTH maintains online doctor and hospital profiles so you can make a sound medical choice based on background information. Provider profiles include languages spoken, medical degree obtained, medical school attended as well as internship and residency details, Board Certification (if applicable) and professional interests and honors.

Full Policy Wording

The deductible on this plan can be waived if you schedule care through HTH, with an HTH contracted provider overseas. HTH maintains a community of doctors and hospitals in 160 countries.

The selection standards used in credentialing these providers ensures that you will have access to quality healthcare. HTH maintains online doctor and hospital profiles so you can make a sound medical choice based on background information. Provider profiles include languages spoken, medical degree obtained, medical school attended as well as internship and residency details, Board Certification (if applicable) and professional interests and honors.

Full Policy Wording

$0, $100, $250 or $500 per Insured Person per Trip Period as selected by the Insured Participant and as indicated on the Declaration of Coverage

Full Policy Wording

Deductible

All Deductibles are per Insured Person as shown on the Declaration of this Certificate, and are the direct responsibility of the Insured Person. Deductibles may only be satisfied with respect to Eligible Medical Expenses. Only one deductible must be satisfied per Insured Person during twelve (12) months of continuous coverage under this insurance. After the first twelve (12) months of continuous coverage under this insurance, a new Deductible will apply for any period of continuous coverage thereafter. No more than 2 deductibles per Insured Person must be satisfied within the maximum twenty-four (24) month continuous coverage period.

Full Policy Wording

Zero Deductible

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

Deductible Per Person Per Sickness or Injury:
Ages 14 days through 69: Option $75 or $150
Age 70 and over: Option $125 or $250

“DEDUCTIBLE” means the amount of eligible Covered Expenses which are the responsibility of each Insured Person and must be paid by each Insured Person before benefits under the Policy are payable by the Company. Such amount will be subtracted from the amount or amounts charged and otherwise payable as Covered Medical Expenses. The deductible will apply per occurrence (for each Injury or Sickness) as specified in the Schedule of Benefits.

Full Policy Wording

Deductible $0; $100; $250; $500; $1,000; $2,500:

Deductible is per person per Period of Coverage.

The selected Deductible and Coinsurance amount must be met for each one hundred and eighty-seven (187) day period.

Full Policy Wording

Deductible $0; $100; $250; $500; $1,000; $2,500:

Deductible is per person per Period of Coverage.

The selected Deductible and Coinsurance amount must be met for each one hundred and eighty-seven (187) day period.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

Medical Expense $10,000

Deductible $50

“Deductible” means the amount of charges that must be incurred by an Insured before benefits become payable. The amount of the Deductible is shown in the Schedule for each coverage to which a Deductible applies.

Full Policy Wording

Medical Expense ($50 deductible applies)

“Deductible” means the amount of charges that must be incurred by an Insured before benefits become payable. The amount of the Deductible is shown in the Schedule of Benefits or Declarations Page for each coverage to which a Deductible applies.

Full Policy Wording

The Insurer will reimburse or pay the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by the Insured due to an Injury or Sickness which occurs during the course of the Trip provided initial treatment was received during the Trip after satisfaction of a $50 Deductible up to the Maximum Limit shown in the Schedule of Benefits.

“Deductible” means the amount of charges that must be incurred by the Insured before benefits become payable. The amount of the Deductible is the Deductible shown in the Schedule of Benefits for each coverage to which a Deductible applies.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

Medical Expense(secondary) $15,000

Deductible $50

“Deductible” means the amount of charges that must be incurred by an Insured before benefits become payable. The amount of the Deductible is shown in the Schedule for each coverage to which a Deductible applies.

Full Policy Wording

“Deductible” means the amount of charges that must be incurred by an Insured before benefits become payable. The amount of the Deductible is shown in the Schedule of Benefits or Declarations Page for each coverage to which a Deductible applies.

Full Policy Wording

The Insurer will reimburse or pay the Reasonable and Customary Charges for Medically Necessary Covered Expenses incurred by the Insured due to an Injury or Sickness which occurs during the course of the Trip, provided initial treatment was received during the Trip after satisfaction of a $50 Deductible up to the Maximum Limit shown in the Schedule of Benefits.

“Deductible” means the amount of charges that must be incurred by the Insured before benefits become payable. The amount of the Deductible is the Deductible shown in the Schedule of Benefits for each coverage to which a Deductible applies. (This Deductible does not apply to Medical coverage if the Medical Coverage Upgrade is purchased).

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE
The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Trip due to the serious and acute nature of the Injury or Sickness.

Covered Medical Expenses are necessary services and supplies which are recommended by the attending Physician. They include but are not limited to:

a) The services of a Physician;
b) Charges for Hospital confinement and use of operating rooms;
c) Charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
d) Ambulance service; and
e) Drugs, medicines, prosthetics and therapeutic services and supplies.

The Company will not pay benefits in excess of the reasonable and customary charges. Reasonable and customary charges means charges commonly used by Physicians in the locality in which care is furnished. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

The Company will advance payment to a Hospital, up to the maximum shown on the accompanying Confirmation of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

The Company will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness which first occurred during the course of the scheduled Trip, beyond the date of the Scheduled Return Date, coverage will be extended until You are released from the Hospital or until maximum benefits under the policy have been paid.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

There is no Medical Deductible with this plan.

Full Policy Wording

Deductibles: $0; $50; $100; $250; $500; $1,000; $5,000

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out of-pocket expense by each Covered Person on a per Policy Term basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis are payable under the Policy.

Full Policy Wording

In “Medical Expenses” and “Dental Emergency”, deductible per occurrence: US$ 50

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

In “Medical Expenses” and “Dental Emergency”, deductible per occurrence: US$ 50

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

In “Medical Expenses” and “Dental Emergency”, deductible per occurrence: US$ 50

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

US$50 deductible per occurrence. Maximum of 3 Policy Period deductibles per family under the same application.

Full Policy Wording

US$50 deductible per occurrence. Maximum of 3 Policy Period deductibles per family under the same application.