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.

IMG
IMG

3

Patriot America
IMG

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

Coinsurance:

The payment by or obligations of the Insured Person for payment of Eligible Medical Expenses at the percentage specified in the BENEFIT SUMMARY contained herein and not including any applicable Deductible.

In the PPO Network – Company pays 100%

Out of the PPO Network – Company pays 80% of eligible expenses up to $5,000, then 100%

4

Patriot International
IMG

Co-Insurance Benefits

Plan pays 100% after deductible outside USA

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Full Policy Wording

Coinsurance – for treatment received outside the U.S. Company pays 100%

Coinsurance – for treatment received within the U.S. In the PPO Network – Company pays 100%

Out of the PPO Network – Company pays 80% of eligible expenses up to $5,000, then 100%

5

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

6

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

7

Patriot America Plus
IMG

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

Coinsurance:

The payment by or obligations of the Insured Person for payment of Eligible Medical Expenses at the percentage specified in the BENEFIT SUMMARY contained herein and not including any applicable Deductible.

In the PPO Network – Company pays 100%

Out of the PPO Network – Company pays 80% of eligible expenses up to $5,000, then 100%

Trawick International
Trawick International

8

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

9

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

10

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

11

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

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

12

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

13

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

14

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.

15

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.

16

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.

17

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.