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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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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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 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.

5

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

6

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.

7

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

8

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.

Seven Corners Inc
Seven Corners Inc

9

Wander Frequent Traveler excl US
Seven Corners Inc

Co-Insurance Benefits

Plan pays 100% after deductible outside USA or Canada

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Full Policy Wording

COINSURANCE

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.

10

Liaison Travel Economy 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.

Deductibles and Coinsurance

Subject to Section 1.4, the Deductible and Coinsurance are per 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

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

11

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.

Deductibles and Coinsurance

Subject to Section 1.4, the Deductible and Coinsurance are per 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

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

12

Liaison Travel Elite 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.

Deductibles and Coinsurance

Subject to Section 1.4, the Deductible and Coinsurance are per 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

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

Trawick International
Trawick International

13

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 Rates:

100% in Network, 80/20 – $5,000 out of Network

14

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

15

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 Rate per Policy Period:

100% in Network, 80/20 – $5,000 out of Network

16

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: 100% in Network, 80/20 – $5,000 out of Network

17

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

18

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.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

19

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

20

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

21

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.

22

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.

23

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.

24

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.