Co-Insurance

Coverage Description
Co-insurance is the percentage of Eligible Expenses, after the deductible, which is the responsibility of the insured. For example, if an insured had a $1,250 claim with an 80/20 co-insurance benefit and a $250 deductible, the insured would be responsible for $450 ($250 deductible plus 20%) and the insurance company would pay the remaining amount of $800. View coverage summary for Co-Insurance for the policies below
International Medical Insurance - Medical insurance for any nationality traveling outside their home country.
#	Company / Plan Name	Benefit
1	Travelers Liberty Travelers Liberty	Plan pays a scheduled benefit after deductible
	Full Policy Wording	Refer to Schedule of Benefits in policy certificate
2	Seven Corners Inbound USA	Plan pays a scheduled benefit after deductible
	Full Policy Wording	Refer to Schedule of Benefits in policy certificate
3	Seven Corners Liaison International, Inc US Visit	Plan pays 80% of first $5,000 after deductible in U.S. or Canada, then 100% 100% after deductible outside U.S. or Canada
	Full Policy Wording	The term “Coinsurance” shall mean the percentage amount of eligible Covered Expenses, after the Deductible, which are the responsibilities of the Insured Person and must be paid by the Insured Person. The Coinsurance amount is stated in Section II, Schedule of Benefits, under each stated benefit. f the Insured Person is traveling inside the United States and Canada: 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, excess of the Policy Period Deductible as stated on the ID Card. Thereafter, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses up to the medical maximum as stated on the ID Card. If the Insured Person is traveling outside the United States and Canada: 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. 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.
4	MEDEX TravMed Abroad	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	The Company will pay up to the benefit limit for covered expenses incurred outside the USA during the period of coverage which are the direct result of an Injury or Sickness. Covered medical expenses are necessary services and supplies which are recommended by the attending Physician. The Company will not pay benefits in excess of Reasonable and Customary charges commonly used by providers of medical care in the locality in which the care is furnished.
5	Seven Corners Inbound Immigrant	Plan pays a scheduled benefit after deductible
	Full Policy Wording	Refer to Schedule of Benefits in policy certificate
6	MEDEX TravMed Choice US Resident	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	There is no co-insurance for this plan.
7	MEDEX TravMed Choice Inbound to US	Plan pays 80% to $5,000 after deductible, then 100% to Policy Maximum
	Full Policy Wording	“Coinsurance” shall mean the percentage amount of eligible Covered Expenses, after the Deductible, which are the responsibilities of the Insured Person and must be paid by the Insured Person. The Coinsurance amount is stated in Your Schedule of Coverage and Service, under each stated benefit.
8	MNU Atlas International excluding US Visit	Plan pays 100% of Eligible Expenses after deductible
	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.
9	MNU Atlas America including US Visit	Plan pays 80% of first $5,000 after deductible in U.S. or Canada then 100% 100% after deductible outside U.S. or Canada Waiver available
	Full Policy Wording	Claims incurred In US or Canada For the Certificate Period, underwriters will pay 80% of the next $5,000 of Eligible Expense after the Deductible, then 100% up 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. Claims incurred outside US or Canada For the Certificate Period, underwriters will pay 100% of the Eligible Expenses after the Deductible up to the Overall Maximum Limit.
10	USA-ASSIST Global Travel Medical Gold	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
11	USA-ASSIST Global Travel Medical Standard	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
12	USA-ASSIST Global Travel Medical Executive	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
13	USA-ASSIST Global Travel Medical Platinum	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
14	USA-ASSIST Global Travel Medical Titanium	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
15	USA-ASSIST Global Travel Medical Diamond	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
16	HTH TravelGap Voyager	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	Plan pays 100% of Eligible Expenses after deductible
17	HTH TravelGap Excursion	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
18	HTH TravelGap Voyager	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	Plan pays 100% of Eligible Expenses after deductible
19	HTH TravelGap Excursion	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage
20	Global Underwriters Diplomat America	Plan pays 80% of first $5,000 after deductible, then 100%
	Full Policy Wording	After you pay your selected deductible this plan will pay: 80% of Covered Expenses up to $5,000 and 100% thereafter up to the selected policy maximum. Eligible expenses are based on Regular & Customary charges.
21	Global Underwriters Diplomat LT	Plan pays 80% of first $5,000 after deductible in U.S. then 100% 100% after deductible outside U.S.
	Full Policy Wording	After you pay your selected deductible this plan will pay 100% of Covered Expenses outside the USA and Canada up to the selected policy maximum. Any Covered Expenses incurred in the USA and Canada are paid at 80% of the first $5000 then 100% to the policy maximum. Eligible expenses are based on Regular & Customary charges.
22	Seven Corners Liaison International, Excludes US Visit	Plan pays 100% after deductible outside U.S. 80% of first $5,000 after deductible in U.S., then 100%
	Full Policy Wording	The term “Coinsurance” shall mean the percentage amount of eligible Covered Expenses, after the Deductible, which are the responsibilities of the Insured Person and must be paid by the Insured Person. The Coinsurance amount is stated in Section II, Schedule of Benefits, under each stated benefit. I If the Insured Person is traveling inside the United States and Canada: 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, excess of the Policy Period Deductible as stated on the ID Card. Thereafter, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses up to the medical maximum as stated on the ID Card. If the Insured Person is traveling outside the United States and Canada: 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. 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.
23	HTH TravelGap Voyager	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	Plan pays 100% of Eligible Expenses after deductible
24	HTH TravelGap Excursion	Plan pays 100% of Eligible Expenses after deductible
	Full Policy Wording	No coverage