Co-Insurance is the percentage of medical expenses, after the Medical Deductible, that are the responsibility of the insured.
Typically, travel insurance policies with Co-Insurance will cover 80% of the first $5,000 of medical expenses, and then 100% of the remaining expenses up to a policy’s medical limit. This means a traveler would be responsible for 20% of the first $5,000 in medical bills.
Policies without Co-Insurance can cover 100% of the medical expenses up to the coverage limit.
Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Co-Insurance coverage.
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Policy Name and Summary of Coverage | Full Policy Wording | |
1 |
Plan pays 100% after deductible |
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Coinsurance means the percentage of Eligible Expenses for which the Company is responsible for a specified covered service after the Deductible, if any, has been met. After you pay your selected deductible this plan will pay 100% of Covered Expenses outside your Home Country up to the selected plan maximum. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
2 |
Plan pays 100% after deductible |
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Plan pays 100% after deductible. |
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3 |
Plan pays 100% after deductible |
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Plan pays 100% after deductible. |
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Policy Name and Summary of Coverage | Full Policy Wording | |
4 |
Plan pays 100% in PPO network
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Coinsurance In addition to Deductible: In-Network: Plan pays 100%, Insured pays 0% Out-of-Network: Plan pays 80%, Insured pays 20% |
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5 |
Plan pays 100% in PPO network
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Coinsurance, In addition to Deductible: In-Network – Plan pays 100%, Insured pays 0% Out-of-Network – Plan pays 90%, Insured pays 10% |
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6 |
Plan pays 100% in PPO network
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Coinsurance, In addition to Deductible: In-Network – Plan pays 100%, Insured pays 0% Out-of-Network – Plan pays 80%, Insured pays 20% |
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7 |
Plan pays 100% after deductible |
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Coinsurance, In addition to Deductible: Plan pays 100%, Insured pays 0% |
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8 |
Patriot International Platinum Plan pays 100% after deductible |
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Coinsurance, In addition to Deductible: Plan pays 100%, Insured pays 0% |
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Policy Name and Summary of Coverage | Full Policy Wording | |
9 |
Plan pays 100% after deductible outside USA |
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3.1 Deductible, Copay and Coinsurance. Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount in the Schedule of Benefits. Deductible: The Deductible is in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance. Copay: The Copays are in the Schedule of Benefits. They are separate from and do not include Deductible or Coinsurance. Coinsurance: Inside the United States: In PPO Network: 100% to Medical Maximum Out of PPO Network: 80% of the first $10,000 in Covered Expenses, then 100% to Medical Maximum Outside the United States: 100% to Medical Maximum |
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10 |
Plan pays 100% after deductible outside USA |
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3.1 Deductible, Copay and Coinsurance. Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits. Deductible: Copay: Coinsurance:See the Schedule of Benefits |
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Policy Name and Summary of Coverage | Full Policy Wording | |
11 |
Plan pays 100% after deductible |
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We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit. Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits. |
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12 |
Plan pays 100% after deductible |
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We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit. Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits. |
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13 |
Atlas Premium International excl US Plan pays 100% after deductible |
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We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit. Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits. |
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14 |
Plan pays 100% after deductible |
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We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit. Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits. |
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