Diplomat 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
  • $10,000 for sudden recurrence of pre-existing conditions if age under 65 and $2500 if 65 & above for U.S. Citizens
  • 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 12 months for ages 14 days to 100 years
  • No PPO Network
  • Administrator: Global Underwriters
    Underwriter: US Fire Insurance Company
  • Other Benefits:  • Accidental Death and Dismemberment  •Coma Benefit  •Emergency Dental Treatment (Palliative)  •Emergency Medical Evacuation and Repatriation  •Emergency Medical Reunion  •Felonious Assault Benefit  •Home Alteration and Vehicle Modification  •In Hospital Indemnity (US Citizens only)  •Interruption of Trip  •Loss of Baggage  •Paralysis Benefit  •Political and Natural Disaster Evacuation  •Return of Minor Child(ren)  •Return of Mortal Remains  •Seat Belt and Airbag Benefit
  • Optional Riders:  • Athletic, Sports, and Hazardous Activity  •Enhanced AD&D  •Enhanced Political & Natural Disaster  •Home Country Coverage Rider  •War Risk Coverage

Benefits

FeatureBenefit
Medical MaximumPlan A - $50,000,
Plan B - $100,000,
Plan C - $250,000,
Plan D - $500, 000,
Plan E - $1,000,000;
Persons age 70 – 79 are eligible for plans A and B; Persons age 80+ are eligible for a maximum benefit of $20,000.
Co-InsuranceAfter you pay your selected deductible this plan will pay 100% of Covered Expenses outside your Home Country up to the selected policy maximum.
Deductible Choices$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/policy period
Pre-Existing Condition Exclusion12 Months prior to the start date of coverage
Emergency Medical Evacuation and Repatriation$500,000
Political and Natural Disaster Evacuation$50,000; ($100,000 available with the purchase of the Enhanced Political and Natural Disaster Evacuation Rider)
Return of Mortal Remains$50,000
Emergency Medical Reunion$50,000
Return of Minor Child$50,000
Interruption of Trip$5,000
Loss of Baggage$50 per article; up to a maximum of $250
Emergency Dental Treatment (Palliative)$100
Accidental Death and Dismemberment $25,000 (Enhanced Benefit Amounts available) with paralysis, coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
Sudden Recurrence of a Pre-existing Condition (US Citizens only)up to $20,000; ($2,500 for age 65 and older)
Optional Policy Enhancement Riders
Home Country Coverage Rider- provides limited coverage under Your Medical Expense Benefit while in Your Home Country. The plan pays 80% up to $5,000 of Covered Expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage). (Apply 1.10 factor to your total premium)
Enhanced Political and Natural Disaster Evacuation Benefit The Enhanced Political and Natural Disaster Evacuation Benefit Rider increases the maximum benefit from $50,000 to $100,000. ($30 per person per month)
Athletic Sports & Hazardous Activity Rider - provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
Table 1: For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; Heli-skiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any Non-commercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.
Table 2: For the below listed activities apply the 1.25 factor to the base premium plus the monthly flat rate listed:
(1) Low Option - additional $25.00 flat monthly rate
Arial Photograph (Use of proper restraints required); BMX (Racing or Competitive); Flying in any Chartered or Leased Aircraft or Helicopter
(2)High Option - additional $50.00 flat monthly rate
Diving with Sharks; Mountain Climbing (if over 14 thousand feet, guide required); MX; Running with Bulls; Safari & Big Game Hunting (use of firearms); Security Detail (use of firearms)
Table 3: For the below listed Intercollegiate, Interscholastic Athletics, Club Sports, and Organized Amateur Sports, apply the 1.25 factor to the base premium plus the monthly flat rate listed. Under this rider, the Medical Expense Benefit is reduced to $20,000 for any Covered Injury or Illness resulting from:
(1) Low Option - additional $12.00 flat monthly rate
Baseball; Cheerleading; Cross Country; Diving; Equestrian; Fencing; Field Hockey; Golf; Polo Horse; Polo Water; Softball; Swimming; Tennis; Track and Field; Volleyball
(2)Middle Option - additional $26.00 flat monthly rate
Basketball; Competitive Cycling (Road, Track, CX); Ice Hockey; Lacrosse; Martial Arts; Skiing (Slalom, Giant Slalom, Downhill); Wrestling
(3)High Option - additional $80.00 flat monthly rate
Football (no Division One); Gymnastics; Rugby; Soccer