Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International
| Age and Policy Maximum |
Age (0-69)-$50,000,$100,000,$5,00,000 or 1,000,000 Age (70-79)-$50,000 Age (80-99)-$10,000 |
| Doctor Visit | Up to the maximum limit |
| Urgent Care | $25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Hospital Room and Board | Average semi-private room rate up to the maximum limit. Includes nursing service. |
| Ambulance | Up to the maximum limit. |
| Prescription | Up to the maximum limit. |
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
| Acute Onset of Pre-existing Conditions | |
| Insured Person must be under 70 years of age | Up to the Period of the Coverage limit |
| Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements |
PPO Providers are contracted separately through United States Preferred Provider Organization.
You may extend policy online before expiration date of policy. You may extend minimum of
5 days. Insurance company charge $5 extension fee for each renewal. Total coverage duration
cannot be more than 2 years.
The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel the insurance: (a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. (b) If no claims have been filed with the Company, (i) a cancellation fee of US$50.00 will be charged; and (ii) only full month premiums will be considered as refundable.
When the Company receives notice of a claim for benefits under this insurance from or on behalf of an Insured Person it will provide the Insured Person with Claimant’s Statement and Authorization Forms (“Claim Forms”) for filing Proof of Claim. The following items must be submitted by or on behalf of the Insured Person to be considered a complete Proof of Claim eligible for consideration of coverage under this insurance (“Proof of Claim”):