Diplomat Long Term - Excluding USA

Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: C&F Cayman SPC for and on behalf of ITI SP

  • Eligibility: People traveling outside home country (excluding USA).
  • Coverage Length:Min 3 months up to max 364 days.
  • Renew Online:Policy can be renewed up to maximum of 364 days, also Renewable fees $10 applies.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000; Age (65 to 99):-Up to $2,500.
  • Co-Insurance:
    After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card & Visa Letter comes in email instantly.

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  • Doctor Visit: Up to policy max.
  • Urgent care: Up to policy max.
  • Hospital room and board: Average Semi-private room rate, including nursing services.
  • X-rays & Lab Services: : Up to policy max.
  • Medical : Up to policy max.
  • Ambulance: Up to policy max.
  • Loss of Baggage: $50 per article, to a maximum of $250

Complete details are given in certificate of insurance.

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Exclusion

  • Any Pre-existing Condition as defined hereunder. This exclusion does not apply to Emergency Evacuation/Repatriation.
  • Regular health checkups.
  • Pregnancy or childbirth, miscarriage; elective abortion; elective cesarean section.
  • Suicide, attempted suicide (including drug overdose) self-destruction, attempted self-destruction.
  • Eyeglasses, contact lenses, hearing aids braces, appliances, or examinations or prescriptions.
  • Elective Surgery which can be postponed until You return to Your Home County.
  • Treatment of the Temporomandibular joint.
  • Vocational, speech, recreational or music therapy.

Complete details are given in certificate of insurance.

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If you are a US citizen, the US is Your Home Country, and You are traveling outside of the US, limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition, as defined hereunder. The plan shall pay up to a maximum of $20,000 ($2,500 for age 65 and older) of Covered Expenses incurred from a sudden and unforeseen recurrence of a Pre-existing Condition. This does not include coverage for known, scheduled, required or expected medical care, drugs, or treatments existent or necessary prior to the Insured Person’s effective date of coverage. Only such Medical Expenses which are incurred within 30 days from the date of recurrence of Illness, and which are not excluded will be considered Covered Expenses under this benefit. Note: This benefit is not available to Non-US citizens.

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Coverage under the Diplomat LT is renewable if:

  • The Insured Person(s) meet all the eligibility requirements of the policy.
  • The Insurance Plan has not lapsed or terminated for any reason and
  • The renewal coverage does not exceed the maximum allowable period of coverage. Maximum allowable period of coverage is defined as follows: thirty-six continuous months for ages 14 days to 69 years, twenty-four continuous months for ages 70 to 79, and twelve continuous months for ages 80+.

ALSO NOTE

  • If an Insured Person has been insured under the Plan for twelve continuous months, a new deductible and co-insurance apply.
  • The chosen Medical Maximum is a Policy Lifetime Maximum and
  • The Company reserves the right to change premium rates for each twelve months of continuous coverage.

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Premiums will be refunded in full if cancellation request is received prior to the certificate effective date.

  • $25 cancellation fee will apply for administrative costs incurred by us; and
  • Only the unused portion of the plan cost will be refunded; and
  • You cannot have filed any claims to be eligible for premium refund.

After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

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The Company, upon receipt of a written notice of claim, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not furnished within 15 days after the giving of such notice, the claimant shall be deemed to have complied with the requirements of this Plan by submitting, within the time fixed in this Plan for filing proofs of loss, written proof showing the occurrence, nature and extent of the loss for which claim is made. Claim forms can be obtained by calling 800-513-2981 or online at www.globalunderwriters.com. One claim form is needed for each Injury or Illness for which a claim is being made.

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