Co-Insurance Full Policy Wording

Each policy’s Co-Insurance coverage is detailed below. View the coverage summary here.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

1

Beacon America incl US
Azimuth Risk Solutions, LLC

Co-Insurance Benefits
Plan pays 100% after deductible outside USA or Canada

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Full Policy Wording

Coinsurance (Subject to the Deductible)

The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-­‐Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for claims incurred outside the US & Canada.

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

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Coinsurance (Subject to the Deductible)

The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-­‐Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for claims incurred outside the US & Canada.

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

HCC Medical Insurance Services
HCC Medical Insurance Services

3

Atlas International excl US
HCC Medical Insurance Services

Co-Insurance Benefits
Plan pays 100% after deductible

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Claims incurred in U.S. or Canada

For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% 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 U.S. or Canada

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

IMG
IMG

4

Patriot America
IMG

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Coinsurance

For Treatment received outside the US & Canada: No Coinsurance

For Treatment received within the US & Canada:

In the PPO Network: The plan pays 90% of Eligible Medical Expenses up to US$5,000, then 100% up to Maximum Limit

Outside of the PPO Network: The plan pays 80% of Eligible Medical Expenses up to US$5,000, then 100% up to Maximum Limit

5

Patriot International
IMG

Co-Insurance Benefits
Plan pays 100% after deductible outside USA or Canada

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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.

For Treatment received outside the United States: 0%.

For Treatment received within the United States: If in the PPO Network, 10% of Eligible Medical Expenses until reaching $5,000, then 0%.

If outside the PPO Network 20% of Eligible Medical Expenses until reaching $5,000, then 0%.

6

Patriot Multi-Trip America
IMG

Co-Insurance Benefits
Plan pays 90% of first $5,000 in PPO Network then 100% Plan pays 80% of first $5,000 outside PPO Network then 100%

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Full Policy Wording

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

For Treatment received outside the US & Canada: No Coinsurance

7

Patriot Multi-Trip International
IMG

Co-Insurance Benefits
Plan pays 100% after deductible outside USA or Canada

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Full Policy Wording

For Treatment received outside the US & Canada: No Coinsurance

For Treatment received with the US or 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

8

Patriot America Plus
IMG

Co-Insurance Benefits
Plan pays 100% after deductible outside USA or Canada

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Full Policy Wording

For Treatment received outside the United States and Canada: 0%.

For Treatment received within the United States and Canada:

If in the PPO Network, 10% of Eligible Medical Expenses until reaching $5,000, then 0%.

If outside the PPO Network 20% of Eligible Medical Expenses until reaching $5,000, then 0%.

Trawick International
Trawick International

9

Safe Travels USA
Trawick International

Co-Insurance Benefits
Plan pays 80% of first $5,000 after deductible, then 100%

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Full Policy Wording

Co-insurance Rate:

80% of the first $5,000 of Covered Expenses then 100% up to the chosen Policy Maximum

10

Safe Travels International excl US
Trawick International

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Co-insurance Rate per Policy Period: 100% of Covered Expenses up to the Policy Maximum

11

Safe Travels International Cost Saver excl US
Trawick International

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Coinsurance Rate per Policy Period

100% of Covered Expenses up to the Policy Maximum

12

Safe Travels USA Cost Saver
Trawick International

Co-Insurance Benefits
Plan pays 80% of first $5,000 after deductible, then 100%

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Full Policy Wording

Co-insurance Rate per Policy Period:

80% of the first $ 5,000 of eligible charges then 100% of Covered up to the Policy Maximum

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

13

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible

14

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible

15

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible.

16

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible.

17

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible.

18

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Co-Insurance Benefits
Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible.