Detail

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

  • Coverage Area: Non-US citizen (age 0-99) traveling outside home country to USA.
  • Coverage Length: Minimum 15 days to maximum 365 days.
  • Acute Onset of Pre-existing Condition under age 70: $10,000.
  • Co-Insurance: After deductible, plan pays 80% up to $5,000 then 100% up to policy maximum.
  • Renew: Not Renewable
  • 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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  • 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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  • A Pre-Existing Condition existing prior to the Plan Participant’s departure from their Home Country.
  • A new Deductible, Coinsurance, other limits, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage.
  • Pre-Existing Condition Exclusion: 24 Months prior to the start date of coverage.

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Coverage under this Plan is not renewable. If additional coverage time is needed, a new application must be completed and correct Premium submitted to Global Underwriters Agency. A new Deductible, Coinsurance, and Pre-existing Condition Exclusion will apply at each succeeding or subsequent Period of Coverage

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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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Proofs of Loss - 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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