Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under Age 70: Covered up to overall maximum limit.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the deductible is paid by insured, plan pays 80% for the first $5,000 and then 100% up to the policy maximum.
  • PPO Network: Provides United Healthcare PPO Network.
  • ID Card & Visa Letter comes in email instantly.

View more details

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.

View more details

  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Routine physical exam.
  • Preventive care services such as flu shots.
  • Pregnancy except as covered under Complications of Pregnancy after 26th week of pregnancy.
  • Charges resulting from violation of law.
  • Eye surgery, such as corrective refractory surgery.
  • Eyeglasses, contact lenses, hearing aids.
  • Services provided by a chiropractor.

Complete details are given in certificate of insurance.

View more details

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  

View more details

PPO Providers are contracted separately through United States Preferred Provider Organization.

View more details

Renew

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.

View more details

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.

View more details

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”):

  • A duly completed, timely submitted, and signed Claim Form and authorization for release of information; and
  • All original itemized bills and statements of services rendered from all Physicians, Hospitals and other healthcare or medical service providers involved with respect to the claim; and
  • All original receipts for any costs, fees or expenses that have been incurred or paid by or on behalf of the Insured Person with respect to the claim, including without limitation all original receipts for any cash and/or credit card payments.

 

View more details