Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London
War; Military Action
Any Injury or Illness sustained while or after the consumption of intoxicating liquor, alcohol, narcotics or drugs other than Prescription Drugs taken in accordance with Treatment prescribed and directed by a Physician; and/or
Treatment by a chiropractor; and/or
Any Mental Health Disorder; and/or
Any sexually transmitted disease or infections; and/or
$150,000 Sub-Limit for Maximum Limits purchased for $550,000, $1,100,000 or $2,000,000; All other Maximum Limits purchased will have a $50,000 Sub-Limit, Emergency Medical Evacuation $25,000 Sub-Limit, only available to Participating Members under the age of 70.The sudden and Unexpected outbreak or reoccurrence of a Pre-existing Condition(s), which occurs Unexpectedly and without advance warning either in the form of Physician recommendation or symptoms (which would have caused a prudent person to seek medical advice, attention or treatment), is short in duration, is rapidly progressive and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the Effective Date of Coverage or Effective Date of insurance. Treatment for the Acute Onset of a Pre-existing Condition must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence. A Pre-existing Condition that is a Chronic or Congenital condition or that gradually gets worse over time will not be considered an “Acute Onset of a Pre-existing Condition”. The Acute Onset of a Pre-existing Condition does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatment existent or necessary prior to the Effective Date of Coverage or Effective Date of Insurance. The Acute Onset of a Pre-existing Condition does not include treatment after the initial stabilization of a covered or eligible benefit for “Acute Onset of a Pre-existing Condition”
Taking advantage of Azimuth’s broad selection of quality US preferred providers benefits you by allowing cost advantaged access to US medical care and the significant ease of finding a qualified health care provider virtually anywhere in the US. For providers outside the US, you may access care anywhere of your choosing, or simply contact Azimuth for a suggested referral.
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 should not be more than 365 - 728 days including extension.
All cancellation requests must be submitted in writing to Azimuth Risk Solutions.
To be eligible for a full refund, the request must be received before the Participating Members Effective Date of Coverage.
Cancellation requests received after the Effective Date of Coverage will be subject to the following:
A $25.00 cancellation fee; and
Only the unused portion of the Premium cost will be refunded; and
No claims will be eligible for Premium refund.
The claim process is quite simple. In the event that you have a claim for eligible expenses you have already incurred, simply complete our Claim Form, which is included in your plan fulfillment and available online. Return it to Azimuth with your original receipts and your eligible expenses will be promptly refunded.