Co-Insurance
(Inside USA/Canada)
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After you pay the deductible,
underwriters will pay 80% of the next
$5,000 of Eligible Expenses, 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.
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After you pay the deductible, the
program pays 90% of the next $5,000
of eligible expenses, then 100% to
the selected Medical Maximum.
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Pre-Existing Condition
Coverage
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Age under 70: You are covered for an
Acute Onset of a Pre-existing
Condition. Coverage is available up to
$15,000 Maximum for Eligible Medical
Expenses and up to $25,000 for
Emergency Medical Evacuation.
Ages 70 & above: No Pre-existing
coverage.
An Acute Onset of a Pre-existing
Condition is a sudden and unexpected
outbreak or recurrence of a Pre-existing
Condition which occurs spontaneously
and without advance warning either in
the form of Physician recommendations
or symptoms. Treatment must be
obtained within 24 hours of the sudden
and unexpected outbreak or recurrence.
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For US Citizens: Up to $20,000 for
U.S. citizens traveling outside the
United States.
For Non-US Citizens: For foreign
nationals visiting the United States,
up to $200 per day for each night
spent in the hospital after being
admitted for either a heart attack or
stroke. Max. Benefit of $3,000.
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Optional Coverage
Age under 70: Up to $5,000 in
coverage for Myocardial Infarction
(heart attack) or Stroke
Age 70 or above: Up to $3,000 in
coverage for Myocardial Infarction
(heart attack) or Stroke
Please see schedule of benefits for
this plan.
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