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

  • Coverage Area: People (age 0-99) traveling outside home country.
  • Coverage Length: Minimum 3 months to maximum 36 months.
  • Acute Onset of Pre-existing Condition: (Up to age 64 years - $20,000) (Age 65 or above - $2,500).
  • Co-Insurance: After you pay deductible, plan pays 80% up to $5,000 of eligible costs, then plan pays 100% up to medical maximum.
  • Renew: Renewal coverage may be purchased for up to 365 days at a time, to a maximum of 3 years.
  • Cancel: Prior to effective date of policy & $25 fee deducted.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card: Comes in email to download.

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Plan will only pay Usual Reasonable and Customary (URC) charges of Eligible Expenses.

  • Doctor Visit: You pay deductible, plan pays 80% up to $5,000 of eligible cost, then plan pays 100% up to policy maximum.
  • Hospital Room & Board: You pay deductible, plan pays 80% up to $5,000 of eligible cost, then plan pays 100% up to policy maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.

Complete details are given in certificate of insurance.

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Exclusion

  • Pre-existing conditions.
  • Eyeglasses, contact lenses, hearing aids braces, appliances, or examinations or prescriptions therefore;
  • Charges which are in excess of Usual, Reasonable and Customary charges;
  • Charges that are not Medically Necessary;
  • Treatment of Mental and Nervous Disorders

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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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+.

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Less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage. After the Effective Date of Individual coverage, premium is considered fully earned and non-refundable. Partial refunds are not available.

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Written proof of loss must be furnished to the Company at its said office in case of claim for loss for which this plan provides any periodic payment contingent upon continuing loss within 90 days after termination of each period for which The Company is liable and in case of claim for any other loss within 90 days after the date of such loss. Failure to furnish proof within the time required shall not invalidate nor reduce any claim if it is not reasonably possible to give proof within such time, provided proof is furnished as soon as reasonably possible.

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