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Choose
a Medical Insurance Coverage that Suits You! |
Every
situation is different. Therefore, VISIT Travel &
Medical Insurance offers
five Plan options to help you find the most
appropriate coverage for your needs. |
Standard
Coverage
This coverage
meets your basic insurance requirements at a very
competitive price. We will provide you with coverage
for medical expenses, including the use of an air ambulance,
extra traveling expenses, death and permanent disablement
coverage.
After the Deductible, this Benefit will cover 80% of the first $5000
of covered medical expenses incurred. Excess of $5000, the
policy will pay 100% up to the maximum. |
Maternity
Coverage
Maternity benefits are only available if the Maternity Plan
option is chosen at least 30 days prior to conception.
Maternity benefits are available through
Plan B and Plan D
only. |
Who is
eligible for the insurance?
Any person non-US citizen traveling to the US and their
family-members traveling with them, all under the age of
sixty-nine.
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Family
Member means a person
who is related to the insured in any of the following ways:
spouse, brother-in-law, father-in-law, parent (includes
stepparent), brother or sister (includes stepbrother or
stepsister), or child (includes legally adopted or
stepchild.)
Premiums are per
person. |
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Questions
About Claims?
Click Here
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Outgoing
Schedule of Coverage
(in
US Dollars)
Please review the Plans carefully!
Coverage and Plan options have been revised.
After the Deductible per Occurrence, this
Benefit will cover 80% of the first $5000 of covered medical
expenses incurred. Excess of $5000, the policy will pay 100%
up to the maximum stated below.
Click
Here for Premium (Rate) Information
2007-2008 Plan Rates!
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NEW! |
Plan
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Coverage
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Standard
Plans
(A & B)
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Super
Plans
(C & D)
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Annual
Deductible (Plan E) |
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Deductible |
Deductibles are per
occurrence except Plan E.
See FAQ for
definitions. |
$100
per
occurrence |
$250
per
occurrence |
$100 Annually
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Benefit
A
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Medical Expenses
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$100,000
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$250,000
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$100,000 |
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Medical Evacuation |
$50,000 |
$50,000 |
$50,000 |
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Prescription Drugs
80% of URC |
$1000
(Max per policy period)
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$1000
(Max per policy period) |
$1000
(Max per policy period) |
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Dental Treatment as a result
of injury to natural teeth caused by an accident.
80% of URC |
$1000
(Max per policy period) |
$1000
(Max per policy period) |
$1000
(Max per policy period) |
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Physiotherapy |
$500 |
$500 |
$500 |
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Psychotherapy
Treatment of mental
disorders, nervous disorders, alcoholism, and drug
addition, up $30 per visit, one visit per day, to a
maximum of $5000 all charges combined. |
$5000
(Max per policy year) |
$5000
(Max per policy year) |
$5000
(Max per policy year) |
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Organ Transplant
(organ transplant,
bone marrow, transplant, skin grafts, kidney dialysis)
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$10,000 |
$10,000 |
$10,000 |
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Benefit
B
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Accidental
Death
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$15,000
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$15,000
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$15,000 |
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Benefit
C
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Repatriation of Remains
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$10,000 |
$10,000
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$10,000 |
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Benefit
D
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Dismemberment as per sliding
scale to a maximum of: |
$15,000
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$25,000
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$15,000 |
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*Benefit E |
Pregnancy/
Childbirth/ Miscarriage
and
related treatment including pre-natal visits, sonograms,
etc.* Maternity benefits are only available if the
Maternity Plan option is chosen at least 30 days prior
to conception. Maternity benefits are available
through Plan B and Plan D. |
$25,000
(Plan B only) |
$50,000
(Plan D only) |
No maternity option
available for Plan E. |
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Click Here for Answers to
Frequently Asked Questions |
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What
is Covered?
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For the purposes of this
section, only such expenses, incurred as the result of
and within 26 weeks of a disablement, which are
specifically enumerated in the following list of
charges, and which are not excluded in Exclusions,
shall be considered as covered expenses:Charges made
by a hospital for room and board, floor nursing and
other services exclusive of charges for professional
services and with the exception of personal services
of a non-medical nature; provided, however, that
expenses do not exceed the hospital's average charge
for semiprivate room and board accommodation or
intensive care when medically necessary.
Charges
made for diagnosis, treatment and surgery by a
physician.
Charges
made for the cost and administration of anesthetics.
Charges
for medication, x-ray services, laboratory tests and
services, the use of radium and radioactive
isotopes, oxygen, blood transfusion, iron lungs, and
medical treatment.
The charges enumerated above shall
in no event include any amount of such charges which
are in excess of regular and customary charges. A
charge incurred by an Insured Person shall be deemed a
regular and customary charge for the services and
supplies for which the charge is made if it is not in
excess of the average charge for such services and
supplies in the locality where received, considering
the nature and severity of the sickness or bodily
injury in connection with which such services and
supplies are received. If the charge incurred is in
excess of such average charge, such excess amount
shall not be recognized as covered expenses. All
charges shall be deemed to be incurred on the date
such services or supplies which give rise to the
expense or charge are rendered or obtained.
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Emergency Medical Evacuation |
The Company will pay benefits for
covered expenses incurred up to a maximum of $50,000
if an injury or sickness commencing during the course
of a trip results in the necessary emergency
evacuation of the Insured Person. An emergency
evacuation must be ordered by a legally licensed
physician who certifies that the severity of the
Insured Person's injury or sickness warrants the
emergency evacuation of the Insured Person.
Emergency Evacuation means:
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the Insured Person's medical
condition warrants immediate transportation from the
place where the Insured Person is injured or sick to
the nearest hospital where appropriate medical
treatment can be obtained; or
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after being treated at a local
hospital, the Insured Person's medical condition
warrants transportation to his or her then current
place of primary residence to obtain further medical
treatment or to recover; or
both a) and b)
above.
Covered expenses
are expenses, up to the maximum, for transportation,
medical services and medical supplies necessarily
incurred in connection with emergency evacuation of
the Insured Person.
All transportation arrangements
made for evacuating the Insured Person must be by the
most direct and economical route. Expenses for special
transportation must be:
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recommended by the attending
physician; or
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required by the standard regulations
of the conveyance transporting the Insured Person.
Expenses for medical services and
supplies must be recommended by the attending
physician.
Transportation means any land,
water or air conveyance required to transport the
Insured Person during an emergency evacuation.
Special Transportation includes,
but is not limited to, air ambulance, land ambulance,
and private motor vehicles.
The Company will
pay the reasonable covered expenses incurred to return
the Insured Person's body home if he or she dies, not
to exceed the maximum of $10,000. Covered expenses
include, but are not limited to, expenses for
embalming, cremation, coffins and transportation.
It is further understood and
agreed that with respect to Emergency Evacuation and
Repatriation of Remains only:
- Insurance to which
this applies shall apply only to expenses which are
incurred by an Insured Person while outside a
150-mile radius from his/her home or regular place
of employment
and which are coordinated through AIG Assist.
- Exclusions 2, 3, & 4
of Section IV of the Policy shall be deleted.
- The term 'Sickness'
as used above means sickness or disease which causes
loss covered herein for which symptoms are
manifested while the policy is in force as to the
Insured Person whose sickness is the basis for
claim.
In the event of an accident, a
compensation will be made either to your beneficiary
(in the event of death) or to yourself (in the event
of permanent dismemberment). |
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Cancellation Policy
All premiums are fully earned
upon Application, and are Non-Refundable. Please apply
only for the term of coverage you need, and re-apply
as necessary as your plans may change.
These rates are for persons traveling abroad and their
family members traveling with them, 69 years of age
and younger. Additional coverage is available for
persons 70-80 years of age. Please call 1-800-247-5575
for premium rates or
Click Here for additional program options.
Looking for Extreme and Hazardous Sports Coverage?
Click
Here
Underwritten by The
Insurance Company of the State of Pennsylvania,
New York, NY
A Member of American International Group, Inc.
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To
learn more about what is not covered, please
Click
Here
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