Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Coverage Area: Non-US citizens (age 0 to 99) traveling to USA (outside home country).
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition (AOPC) under age 70: Policy max $550,000 or higher, sub-limit of $150,000 for AOPC. All other policy max, sub-limit $50,000 for AOPC. Emergency Medical Evacuation $25,000 Sub-Limit.
  • Co-Insurance: In-network, waive co-insurance. Out-network, 80% of next $5,000 then 100%. Deductible apply.
  • PPO Network: United Healthcare (UHCG) provider network
  • ID Card: Link comes in email to download.

View more details

  • Physician visit: Up to policy max as per URC. Ded & co-insu apply.
  • Urgent care: Up to policy max. $35.00 Co-pay/visit. Co-insu apply. Ded doesn’t apply.
  • Hospital Room and Board: Up to policy max for average semi-private room rate include nursing services.
  • Ambulance (Local Land): Up to policy max when covered Illness or Injury results in Hospitalization.

View more details

Pre-Existing Conditions

Maternity: Pregnancy Test(s), Routine pre-natal care, childbirth, and post-natal care; and False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, which would include Newborn Care.
Any immunizations/vaccinations, Routine Physical or gynecology exams
Any Mental Health Disorder; and/or

View more details

$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”

View more details

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.

View more details

The Policy may extend multiple times, up to the maximum Coverage Period of three hundred and sixty-four (364)

View more details

Cancel

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.

View more details

The Participating Member(s) shall have ninety (90) days from the date a claim is incurred to submit a complete Proof of Claim, and the Scheme Administrator may deny coverage for any Proof of Claim submitted thereafter or for an incomplete Proof of Claims. All claim decisions made by or on behalf of the Scheme Administrator are with the express consent of Underwriters

View more details