Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: Allied World Assurance Company (Europe) DAC

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 3 months up to max 36 months.
  • 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 the Deductible, the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses
  • 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 Buggage: $50 per article, to a maximum of $250

Complete details are given in certificate of insurance.

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  • Pre-existing conditions as defined in the definitions;
  • Expense incurred for treatment of temporomandibular joint (TMJ) disorders
  • 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
  • Private-duty nursing services.
  • Organ transplants;

Complete details are given in certificate of insurance.

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Unexpected Recurrence of a Pre-existing Condition (US Citizens Only)

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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Renew

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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A refund of the plan cost, 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, the plan cost 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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