International Major Medical
Who is eligible?
Foreign nationals traveling to the United States on business or for vacation may not be aware of the expensive cost of medical treatment in the US. Imagine the shock and stress that could overwhelm your foreign clients upon the realization that they are fiscally responsible for medical care in the event of an accident!
Foreign Nationals visiting the USA.
Foreign Nationals moving to the USA.
Foreign Nationals employed by a US company who reside in their home country.
Foreign Nationals employed by a US company working outside their home country.
Pre-existing Condition means a condition caused or contributed to by a Sickness or Injury for which medical advice, diagnosis, care or treatment, including the use of prescription medication including but not limited to ongoing conditions(s), was recommended by or received from a licensed health care practitioner, and/or any symptom(s) and/or any condition(s) which would have caused a reasonably prudent person to seek medical attention during the twelve (12) months immediately preceding the Effective Date of the insurance described in this Certificate, whether disclosed or not on Your application or online enrollment.
|Hospital Expenses||All medically necessary expenses while hospitalized.|
|Physician Services||All medically necessary expenses for treatment.|
|Skilled Nursing Facilities||All medically necessary expenses if confinement begins following a medically necessary hospital confinement 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 $250,000.|
|$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 fire, wind, flood, 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.|
|Trip Cancellation Benefit||If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be canceled 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 fire, wind, flood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $2,500, excess of $100 each and every loss and excess of all other valid Insurances.|
|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 $250,000.|
|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.|
|War & Terrorism Coverage||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 benefit.|
Important Notice regarding the Patient Protection and Affordable Care Act:
This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (ACA). This insurance does not provide, and Insurers do not intend to provide, minimum essential coverage under ACA. In no event will benefits be provided in excess of those specified in the contract documents. This insurance is not subject to guaranteed issuance or renew ability other than as specified in the policy. ACA requires certain US citizens and US residents to obtain ACA compliant health insurance coverage. In some circumstances penalties maybe imposed on persons who do not maintain ACA compliant coverage. You should consult your attorney or tax professional to determine if ACA's requirements are applicable to you.
TERMINATION OF BENEFITS
The insurance described in this Certificate will terminate upon the Expiry Date of this Certificate or the date US citizenship obtained, whichever occurs first. If on the Expiry Date, You are a patient confined in a Hospital in the specified Geographic Area, benefits will continue until (i) the date You are discharged from the Hospital, or (ii) thirty (30) days beyond the Expiry Date. or (iii) the date US citizenship is obtained, whichever occurs first.