Plan Administrator: Global Underwriters | AM Best Rating: A "Excellent" | Underwriter: HDI Global Specialty SE

• Eligibility: People traveling outside home country (excluding USA).
• Coverage Length: Min 5 days up to 365 days.
• Renew Online: Policy can be renewed up to maximum of 364 days, also Renewable fees $10 applies.
• Coinsurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
• PPO Network: No PPO Network, visit any doctor/Hospital.
• ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

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• Hospital Admission Expenses: Charges for each hospital admission
• Physician Visit Benefit (Inpatient or Outpatient), Consultant Physician Benefit.
• Nursing Services – Outpatient Charges for nursing services by a Registered Nurse or Licensed Professional.
• Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items
• Pre-Admission Testing Benefit, Anesthesia Benefit, Diagnostic X-Ray and Laboratory Benefit.
• Ambulance Benefit
• Out-Patient Prescription Drug Benefit; 30-day supply per prescription

Complete details are given in certificate of insurance.

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• Suicide, attempted suicide (including drug overdose) self-destruction, attempted self-destruction, or intentional self-inflicted Injury while sane or insane.
• War or any act of war, declared or undeclared, Unless War Risk Rider is purchased.
• Any Covered Loss which occurs while the Plan Participant is on Active-Duty Service in any Armed Forces, National Guard, military, naval or air service or organized reserve corps.
• Voluntary, active participation in a riot or insurrection.
• Charges which are in excess of Usual, Reasonable and Customary charges.

Expenses incurred for an Accident or Injury, or Sickness after the Benefit Period shown in the Schedule of Benefits or incurred after the termination date of coverage.

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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: 12 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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Mail claims with original receipts and completed claim form to: Global Claims Administration / 3195 Linwood Avenue, Suite 201; Cincinnati OH 45208 Inside US and Canada 800-513-2981, Outside US and Canada 513-533-1330 9am – 5pm Eastern Standard Time Monday through Friday.

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