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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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.

Global Underwriters
Global Underwriters

3

Diplomat America
Global Underwriters

Co-Insurance Benefits

Plan pays 80% of first $5,000 after deductible, then 100%

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Full Policy Wording

For a covered disablement, after you pay the per person deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum.

4

Diplomat International
Global Underwriters

Co-Insurance Benefits

Plan pays 100% after deductible

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Full Policy Wording

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.

5

Diplomat LT excl US
Global Underwriters

Co-Insurance Benefits

Plan pays 100% after deductible

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Full Policy Wording

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.

6

Diplomat LT incl US
Global Underwriters

Co-Insurance Benefits

Plan pays 80% of first $5,000 after deductible in USA then 100%
Plan pays 100% after deductible outside USA

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Full Policy Wording

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.

Traveling to the United States:

After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.

Traveling Outside the United States:

After you pay your selected deductible this plan will pay 100% of Covered Expenses outside the USA up to the selected plan maximum.

HTH Travel Insurance
HTH Travel Insurance

7

TravelGap Voyager excl US
HTH Travel Insurance

Co-Insurance Benefits

Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible.

8

TravelGap Excursion excl US
HTH Travel Insurance

Co-Insurance Benefits

Plan pays 100% after deductible

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Full Policy Wording

Plan pays 100% after deductible.

INF Visitor Care
INF Visitor Care

9

TravelCare Plus
INF Visitor Care

Co-Insurance Benefits

Plan pays 80% in PPO network
Plan pays 60% outside PPO network

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Full Policy Wording

Co-Insurance Limits:

In-Network: 80% of covered Network charges up to the overall maximum benefit.

Out-of-Network: 60% of covered Network charges up to the overall maximum benefit.

10

Traveler USA
INF Visitor Care

Co-Insurance Benefits

Plan pays 80% in PPO network
Plan pays 60% outside PPO network

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Full Policy Wording

Co-Insurance Limits:

In-Network: 80% of covered Network charges up to the overall maximum benefit.

Out-of-Network: 60% of covered Network charges up to the overall maximum benefit.

Seven Corners Inc
Seven Corners Inc

11

Wander Frequent Traveler excl US
Seven Corners Inc

Co-Insurance Benefits

Plan pays 100% after deductible outside USA or Canada

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Deductible, Copay and Coinsurance:

The Deductible and Coinsurance are per Insured Person. The Deductible applies per Covered Trip and Coinsurance applies per Period of Coverage. Both 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.

Coinsurance:

Percentage of Covered Expenses after the Deductible or Copay as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Coinsurance Outside the United States: 100%

12

Liaison Travel Choice excl US
Seven Corners Inc

Co-Insurance Benefits

Plan pays 100% after deductible outside USA

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Full Policy Wording

Coinsurance:

Percentage of Covered Expenses after the Deductible as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

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.

Coinsurance (The Plan pays) Outside the United States: 100%

13

Liaison Travel Basic excl US
Seven Corners Inc

Co-Insurance Benefits

Plan pays 100% after deductible outside USA

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Full Policy Wording

Coinsurance: Percentage of Covered Expenses after the Deductible as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Coinsurance (The Plan pays) – Outside the United States: 100%

Copay: The fixed amount of Covered Expenses for specific services or supplies asset forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Copay is separate from the Deductible of Coinsurance.

Deductible: The amount of Covered Expenses as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Deductible is separate from the Copay and Coinsurance.

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 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:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Copay:

The Copay is set forth in the Schedule of Benefits. It is separate from and does not include Deductible or Coinsurance.

Coinsurance Outside the United States:

See the Schedule of Benefits.

Trawick International
Trawick International

14

Safe Travels USA
Trawick International

Co-Insurance Benefits

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

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Full Policy Wording

CO-INSURANCE PER POLICY PERIOD:

In Network 100%.

Out of Network 80% of the first $5,000 then 100% up to the Policy Maximum.

Outside of USA up to 100%.

URGENT CARE CO-PAY:

$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay.

15

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

16

Safe Travels USA Cost Saver
Trawick International

Co-Insurance Benefits

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

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Full Policy Wording

CO-INSURANCE PER POLICY PERIOD:

In Network up to 100%.

Out of Network 80% of the first $5,000 then 100% up to the Policy Maximum.

Outside of USA up to 100%.

URGENT CARE CO-PAY:

$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay.

17

Safe Travels USA Comprehensive
Trawick International

Co-Insurance Benefits

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

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Full Policy Wording

CO-INSURANCE PER POLICY PERIOD:

In Network 100%.

Out of Network 80% OF THE FIRST $5,000 THEN 100% up to the Policy Maximum.

Out of USA up to 100%.

URGENT CARE CO-PAY:

$30 per Incident, if the $0 out of Network co-pay is chosen, there is no Co-Pay.

18

Safe Travels Outbound 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

19

Safe Travels Outbound Cost Saver 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.