International Major Medical Insurance

  • Comprehensive benefits plan
  • For non-U.S. citizens traveling outside home country (U.S.A. included)
  • After deductible, Plan pays 100% to policy maximum
  • Not Cancelable and Not Renewable
  • Coverage is provided outside of home country including during travel
  • Deductible and Policy Maximum are per policy period per person
  • Coverage is available from 1 days to 11 months for ages 14 days to 84 years
  • No PPO Network
  • Not available in DE, IA, KY, MS, MO, MT, NE, NJ, NY, NC, PA, RI & WY
  • Administrator: Petersen International Underwriters
    Underwriter: Lloyd’s of London
  • Optional Cardiac and Cancer Benefit Increase rider to remove $25,000 limitation for ages 0-69
  • Other Benefits:  • Accidental Death  •Ambulance Services Expenses  •Common Accident Provision  •Emergency Return Home  •Home Health Care  •Lost Luggage  •Medical Evacuation  •Repatriation of Remains  •Skilled Nursing Facilities  •Trip Cancellation Benefit
  • Optional Riders:  • Cardiac/Cancer Benefit Increase Rider  •Hazardous Sports Rider  •War and Terrorism Rider

Benefits

BenefitLimit
Policy Maximum:Age 0-69 - Up to $1,000,000
Age 70-74 - Up to $250,000
Age 75-79 - Up to $100,000
Age 80-84 - Up to $50,000

(Benefits listed are per person, per policy period)
Deductible:Age 0-69 - $100, $250, $500, $1,000, $2,500 or $5,000
Age 70-79 - $1,000, $2,500 or $5,000
Age 80-84 - $2,500 or $5,000

(Deductibles listed are per person, per policy period)
Hospital Expenses:All medically necessary expenses while hospitalized.
Physician Services:All medically necessary expenses for treatment.
Skilled Nursing Facilities:All medically necessary expenses if coni nement begins following a medically necessary hospital coni nement of 3 days or longer.
Home Health Care:All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
Medical Evacuation:All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide the appropriate care up to $100,000.
Repatriation of Remains:In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000.
$25,000 Accidental Death:$50,000 if accidental death occurs while riding as a passenger of a common carrier.
Ambulance Services Expenses:To and from a hospital within 100 miles in the same geographic area.
Prescription Drugs:Outpatient prescription medications covered up to a maximum of $500.
Emergency Return Home:If, after you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by i re, wind, l ood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
Home Country Coverage$50,000 or 30 days whichever is less
Trip Cancellation Benefit:If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to i re, wind, l ood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid Insurances.
Lost Luggage:In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages.
Common Accident Provision:In the event that you and any additional insured family members suf er injuries from the same accident, only one deductible shall be applied.
OPTIONAL COVERAGES 
Cardiac and Cancer Benefit IncreaseIf you elect this option Underwriters will remove the $25,000 limitation on cardiac and cancer related conditions and Underwriters will consider them to be the same as any other expense. h is option is available only to individuals under the age of 60 and it does not waive the pre-existing condition exclusion.
Sports or Activities CoverageIf you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specii cally named on the Schedule of Coverage. Benei ts up to a maximum of $250,000 or the maximum benei t as stated in the schedule, whichever is lesser.
War & Terrorism CoverageIf you elect this option Underwriters will reimburse You for Eligible Expenses which are incurred as a result of Injuries or Illnesses sustained due to war/terrorism or act of war/terrorism. Injuries or Illnesses due to war/terrorism or act of war/terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s) are not covered with this optional benefit.