Beacon International Insurance

  • Comprehensive benefits plan
  • For visitors traveling outside home country (U.S.A. excluded)
  • After deductible, Plan pays 100% to policy maximum
  • Cancelable and Not Renewable
  • $15,000 for sudden onset of pre-existing conditions
  • Coverage is provided outside of home country including during travel
  • Deductible and Policy Maximum are per coverage period per person
  • Coverage is available from 5 days to 1 year for ages 14 days to 100 years
  • No PPO Network
  • Administrator: Azimuth Risk Solutions
    Underwriter: Lloyd’s of London
  • Other Benefits:  • Accidental Death and Dismemberment  •Common Carrier Accidental Death and Dismemberment  •Dental (Acute onset of pain)(90 Days minimum purchase)  •Dental (Injury as result of Accident)(90 Days minimum purchase)  •Emergency Medical Evacuation  •Emergency Reunion  •Home Country Coverage - End of Trip (180 Days minimum purchase)  •Lost Checked Luggage  •Personal/Third Party Liability  •Political Evacuation  •Quick Trip Home Country Coverage(90 Days minimum purchase)  •Return of Minor Child  •Return of Mortal Remains  •Terrorism  •Trip Delay
  • Optional Riders:  • Sports Rider Coverage

Benefits

FeatureBenefit
Medical Coverage 
Maximum Limits:$60,000; $110,000; $550,000; $1,100,000 or $2,000,000 (ages 70-79, $50,000 Maximum Limit; ages 80+, $12,000 Maximum Limit)
Deductibles:$0; $100; $250; $500; $1,000; $2,500 per Coverage Period.
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 MultiPlan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% of Eligible Expenses for claims incurred outside the US & Canada.
Outpatient Services 
Prescription Drugs:Usual, Reasonable and Customary charges
Physician Visit:Usual, Reasonable and Customary charges.
Physical Therapy:$60 Maximum Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period. Must be referred by physician other then the Physical Therapist.
Hospital Services 
Pre-Certification Penalty:50%
Emergency Room Accident:Usual, Reasonable and Customary charges.
Emergency Room Illness:Usual, Reasonable and Customary charges.
(Subject to additional $250 Deductible if not admitted overnight).
Hospital Room and Board:Average Semi-private room rate, including nursing services.
Hospital Indemnity:$150 per night; Inpatient Hospitalization (Outside the US and Canada ONLY).
Other Benefits 
All Other Eligible Medical Expenses:Usual, Reasonable and Customary charges.
Sudden Onset of Pre-existing Condition:$15,000 Maximum Limit for Eligible Medical Expenses including Emergency Medical Evacuation.
Dental (Injury as result of Accident) Only available for Policies purchased for 90 days or more:$250 Maximum Limit per Coverage Period.
Dental (Acute onset of pain) Only available for Policies purchased for 90 days or more:$100 Maximum Limit per Coverage Period.
Emergency Medical Evacuation:Maximum Limit; except when provided under the Sudden onset of Pre-existing Conditions.
It is likely that the most significant financial and personal risk you face abroad is the need for an emergency medical evacuation. In the case of a life threatening injury or illness, the Beacon Series provides coverage to transport you to the nearest facility which can properly care for you. We know it's important not to feel alone at a time of crisis, so the Beacon Series provides also coverage to transport an immediate family member or friend to your bedside in the event you are evacuated with the Emergency Reunion benefit.
Emergency Reunion:$50,000 Maximum Limit
Return of Mortal Remains:$50,000 Maximum Limit
Return of Minor Child:$5,000 Maximum Limit
Common Carrier Accidental Death and Dismemberment:Up to $50,000
Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member age 18 and older or Up to $30,000
Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member under age 18.
$250,000 Maximum Benefit any one family
Local Ambulance:Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization.
Durable Medical Equipment:Usual, Reasonable and Customary charges. Limited to a standard hospital bed and wheelchair.
Lost Checked Luggage:$250 per Coverage Period (not subject to Deductible or Coinsurance). As defined in the Policy
Optional Sports Rider:$10,000 Maximum Limit per Coverage Period.
If you enjoy an active lifestyle, you will want to consider adding this coverage to your plan. Recreational activities such as parasailing & bungeejumping as well as contact sports which include soccer and basketball are examples of activities for which you will need the Sports Rider included on your plan in order to have coverage while participating. The Sports Rider provides up to $10,000 coverage for these and other non-professional sports and activities. The Accidental Death & Dismemberment benefit does not apply when you are engaged in sports and/or hazardous activities.
Trip Delay / Missed Connection:$100 Maximum Limit per day (Maximum 2 days), after a 12 hour delay period. As defined in the Policy.
Exclusive Azimuth Benefit!
As we all know, travel can sometimes lead to frustration and trip delays are a big part of that frustration. In the event your travel is significantly delayed, the Beacon Series provides $100 a day to help defray unexpected expenses as a result of such a delay.
Personal / Third Party Liability:$500 Maximum Limit. As defined in the Policy
Exclusive Azimuth Benefit!
If you are traveling away from your home country and outside of the US, the Beacon Series now offers coverage up to $500 for personal/third party liability. So, be careful, but if you knock over that lamp in the hotel lobby, you can feel a bit better that you have protection that goes where you go.
Quick Trip Home Country Coverage:14 days cumulative Home Country Coverage (as defined in Policy). Subject to 90 days minimum purchase.
Longer trips may require that you return home for a brief time to manage your affairs. Perhaps it is important to be home for the holidays; if so, the Beacon Series has you covered. If you purchase at least 90 days of coverage, the Beacon Series provides coverage in your home country for up to 14 days in your home country for a quick visit home, after which you would then complete your international travel.
Home Country Coverage (End of Trip):Free 15 days with 180 days purchase, or free 30 days with 365 days purchase.
Exclusive Azimuth Benefit!
A long time away from home requires a little time to get acclimated to life back home. That is why we provide 15 days free with a 180+ day purchase or 30 days free with a 365+ day purchase.
Political Evacuation:$10,000 Maximum Limit (not subject to Deductible or Coinsurance). As defined in the Policy.
If you spend any time reviewing the headlines, you know the potential for a crisis to appear seemingly out of nowhere is real and present. In the event the US Department of State issues a travel warning on or after your effective date, contact Azimuth within 5 days for assistance in coordinating travel to an alternate destination.
Terrorism:$50,000 Maximum LimitMedical Expenses ONLY.
The daily news offers a regular reminder of the challenging environment in which we live. Terrorism, by its very nature is meant to take advantage of the unaware and unprepared. While we cannot stop these events from occurring, the Beacon Series is prepared to help with covering the expenses for medical care in case you are injured in such an attack.
Accidental Death and Dismemberment (AD&D) Participating Members age 18 and older:"Up to $30,000 Maximum Limit (not subject to the Deductible or Coinsurance)
Death of Insured Person = $30,000; Death of Spouse= $20,000; Death of Child(ren) = $6,000
Loss of 2 or more Limbs or both eyes = $30,000
Loss of 1 Limb or eye = $15,000
Age 70-74 benefits are reduced by 50%
Age 75+ benefits are reduced by an additional 50%
$250,000 Maximum Benefit any one family"
Accidental Death and Dismemberment (AD&D) Participating Members under the age 18:Up to $6,000 Maximum Limit (not subject to the Deductible or Coinsurance)
Death of Insured Person = $6,000
Loss of 2 or more Limbs or both eyes = $6,000
Loss of 1 Limb or eye = $3,000
$250,000 Maximum Benefit any one family

The term Usual, Reasonable and Customary charges (URC) refers to the prevailing charges for services delivered within a geographic area.