WorldMed Inbound Insurance

  • Comprehensive benefits plan
  • For non-U.S. citizens traveling outside home country (U.S.A. included)
  • In USA & Canada: After deductible, Plan pays 90% of $10,000 and then 100% to policy maximum
    Outside USA & Canada: After deductible, Plan pays 100% to policy maximum
  • Cancelable and Not Renewable
  • $10,000 for sudden onset of pre-existing conditions if age under 65 and $2500 if 65 & above
  • Coverage is provided outside of home country including during travel
  • Deductible and Policy Maximum are per policy period per person
  • Coverage is available from 5 days to 364 days for ages 14 days to 69 years
  • Coventry Health Care PPO Network
  • Not available if mailing address and insured is physically located at the time of quote in Maryland(MD), New York(NY) & Washington(WA)
  • Administrator: USI Travel Insurance Services
    Claims Administrator: HCC Medical Insurance Services
    Underwriter: Lloyd’s of London
  • Application Fee: $5
  • Higher policy maximums
  • Other Benefits:  • Accidental Death and Dismemberment  •Complications of Pregnancy (until 26 weeks pregnancy)  •Emergency Dental  •Emergency Medical Evacuation  •Emergency Reunion  •Lost Baggage  •Political Evacuation  •Recreational Sports  •Repatriation of Remains  •Return of Minor Children  •Stolen Passports/Visas  •Terrorism  •Trip Interruption  •World Wide Assistance Services
  • Optional Riders:  • Enhanced Accidental Death & Dismemberment  •Hazardous Activities  •Intercollegiate/Interscholastic & Amateur Sports

Benefits

Except as specifically indicated otherwise, all benefits are subject to Deductible, Coinsurance, and are per Certificate Period.
BenefitLimit
Deductibles$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period
Coinsurance – Claims incurred in U.S. or CanadaFor the Certificate Period, Underwriters will pay 90% of the next $10,000 of Eligible Expenses after the Deductible, 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.
Coinsurance – Claims incurred outside U.S. or CanadaFor the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Hospital Room and BoardUsual, Reasonable and Customary charges up to Overall Maximum Limit.
Local AmbulanceUsual, Reasonable and Customary charges up to Overall Maximum Limit.
Intensive Care UnitUsual, Reasonable and Customary charges up to Overall Maximum Limit.
Emergency Room Co-paymentThe Member shall be responsible for a $250 co-payment for each use of Emergency room for an Illness unless the Member is admitted to the Hospital. There will be no copayment for Emergency room treatment of an Injury.
Urgent Care CenterFor each visit, the Member shall be responsible for a $50 co- payment, after which Coinsurance will apply. Not subject to Deductible.
Outpatient TreatmentUsual, Reasonable, and Customary charges up to the Overall Maximum Limit.
Physical Therapy and Chiropractic CareUsual, Reasonable and Customary charges up to Overall Maximum Limit.
Hazardous Activities
(Available only under the optional Hazardous Activities Rider)
Overall Maximum Limit
Intercollegiate or Interscholastic Sports
(Available only under the optional Intercollegiate Sports Rider)
Usual, Reasonable and Customary charges up to $20,000
Mental Health DisordersUsual, Reasonable and Customary charges up to $5,000
All Other Eligible Medical ExpensesUsual, Reasonable, and Customary charges up to the Overall Maximum Limit.
Acute Onset of Pre-existing ConditionFor members age 14 days through age 64 inclusive, $10,000; for members Age 65 and over, $2,500
Emergency Dental Treatment due to Accident$1,000
Emergency Dental (Acute Onset of Pain)$100 (not subject to Deductible or Coinsurance)
Emergency Medical Evacuation$250,000 Maximum Lifetime Limit
Return of Minor Children$50,000 (not subject to Deductible or Coinsurance)
Repatriation of Remains$50,000 (not subject to Deductible or Coinsurance)
Emergency Reunion$15,000, subject to a maximum of 15 days (not subject to Deductible or Coinsurance)
Natural DisasterMaximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
Lost or Stolen Passport/Travel Visa$100 (not subject to Deductible or Coinsurance)
Trip Interruption$5,000 (not subject to Deductible or Coinsurance)
Lost Checked Luggage$250 limit per bag; $500 per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation$50,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)
Terrorism$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Emergency Medical Evacuation)Age 80 or older $10,000; Age 70 to 79: $50,000;
All others: $500,000 or $1,000,000
Accidental Death and Dismemberment Members
under age 18.Lifetime Maximum - $5,000
Death – Principal Sum
Loss of 2 Limbs – Principal Sum
Loss of 1 Limb - 50% of Principal Sum
Members age 18 to age 70.Lifetime Maximum - $50,000
Death – Principal Sum
Loss of 2 Limbs – Principal Sum
Loss of 1 Limb - 50% of Principal Sum
Members age 70 to age 74 inclusive.Lifetime Maximum - $20,000.
Death – Principal Sum
Loss of 2 Limbs – Principal Sum
Loss of 1 Limb - 50% of Principal Sum
Members Age 75 and over:Lifetime Maximum - $10,000
Death – Principal Sum
Loss of 2 Limbs – Principal Sum
Loss of 1 Limb - 50% of Principal Sum
*$250,000 Maximum Benefit any one family or Group

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