Detail

Non-US citizens who are at least fourteen (14) days of age but not yet seventy-five (75) years old. Individuals age seventy (70) to seventy-nine (79) as of the Evidence of Insurance Effective Date or on the date the cost, charges or Expenses Incurred are subject to a $50,000 Maximum Limit. Individuals age eighty (80) and older as of the Evidence of Insurance Effective Date or on the date the cost, charges or Expenses Incurred are subject to a $12,000 Maximum Limit. If a Participating Member is not eligible, the Evidence of Insurance issued by the Master Policy will be null and void and all Premiums paid will be refunded. In order to be eligible and qualified for coverage under this insurance, a Participating Member must:

  1. Complete and sign an Application (or be listed thereon by proxy as an applicant and proposed Participating Member); and
  2. Pay the required Premium on or before the Effective Date of Coverage; and with all questions answered truthfully and completely; and
  3. Receive written acceptance of his/her Application or extension from the Scheme Administrator; and
  4. Not be Hospitalized or Disabled on the Initial Effective Date; and
  5. Not be HIV Positive on the Initial Effective Date;

Subject to the Terms of this insurance, which would include without limitation the Deductible and Coinsurance (unless otherwise expressly set forth to the contrary), and the various limits and Sub-Limits set forth below, the Scheme Administrator promises to provide the Participating Member the following Benefits and coverage arising out of injury or illness sustained or charges, cost or Expenses Incurred while the Evidence of Insurance is in effect.

The Beacon Series Travel Medical Plan Schedule of Benefits
Maximum Limits $60,000; $110,000; $550,000; $1,100,000 or $2,000,000 (Ages 70-79 limited to $60,000; Ages 80+ limited to $12,000)
Deductibles $0; $50; $100; $250; $500; $1,000; $2,500 per Participating Member, per Coverage Period
Pre-existing Condition Look-Back 730 days from original Effective Date
Coinsurance - Claims incurred in US or Canada After the Deductible the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived if Eligible Medical Expenses are incurred within the Preferred Provider Organization Network
Coinsurance - Claim incurred outside US or Canada After the Deductible the Plan will pay 100% of Eligible Medical Expenses to the Maximum Limit
Pre-Certification Penalty 50% of Eligible Medical Expenses
Hospital Services
Hospital Indemnity $150 Sub-Limit per night , maximum for 7 nights for Inpatient Hospitalization, Outside the US and Canada only
Hospital Room and Board Average semi-private room rate, which would include nursing services
Intensive Care Unit Usual, Reasonable, and Customary charges to the Maximum Limit
Emergency Room Illness or Injury Usual, Reasonable, and Customary charge, Subject to additional $250 Deductible if Illness or Injury does not result in Hospitalization
Outpatient Services
Physician Visit Usual, Reasonable and Customary charges
Physical Therapy $60 Sub-Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period
Prescription Drugs Reimbursement Only, Usual, Reasonable and Customary charges, Subject to 20% Coinsurance inside the US
Urgent Care Services Claims in US or Canada $35.00 Copayment per visit, Subject to Coinsurance (Not subject to the Deductible)
Other Services
Sudden Onset of Pre-existing Conditions $150,000 Sub-Limit for Maximum Limits purchased for $110,000, $550.000 or $1,100,000; All other Maximum Limits purchased will have a Sub-Limit of $50,000, Emergency Medical Evacuation $25,000 Sub-Limit, only available to Participating Members under the age of 70
Local Ambulance Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization
Complications of Pregnancy Up to 26 weeks of gestation. Usual, Reasonable and Customary charges
Durable Medical Equipment Usual, Reasonable and Customary charges, limited to a standard hospital bed and/or a standard basic wheelchair
Dental - Injury as Result of Accident $1,000 Sub-Limit per Coverage Period, available for Policies purchased for 180 days or more
Dental - Acute Onset of Pain $500 Sub-Limit per Coverage Period, available for Policies purchased for 90 days or more
Emergency Medical Evacuation Up to Policy Maximum; Benefit reduced when related to Sudden Onset of Pre-existing Conditions
Emergency Reunion $50,000 Maximum Sub-Limit
Return of Mortal Remains $50,000 Maximum Sub-Limit
Return of Minor Dependent
Child (ren)
$50,000 Maximum Sub-Limit
Quick Trip Home Country Coverage 14 days cumulative Home Country Coverage, subject to 90-day minimum purchase, As defined in the policy
End of Trip Home Country Coverage 15 days free with a 180-day purchase, or 30 days free with a 364-day purchase , As defined in the policy
Lost Checked Luggage $500 Sub-Limit per Coverage Period, As defined in the policy (Not subject to Deductible or Coinsurance)
Accidental Death and Dismemberment (AD&D) Participating Members age 18 and older Up to $30,000 Maximum Principal Sum
Death of Primary Participating Member-$30,000; Death of Spouse-$20,000; Death of Dependent Child(ren)-$6,000;
Loss of 2 or more limbs or sight in both eyes-$30,000 ; Loss of 1 limb or sight in 1 eye-$15,000
Age 70-74 Benefits are reduced by 50%; Age 75+ Benefits are reduced by an additional 50%
$250,000 Maximum Principal Sum for any one Family (Not subject to the Deductible or Coinsurance)
Accidental Death and Dismemberment (AD&D) Participating Members under the age 18 Up to $6,000 Principal Sum
Death of Participating Member-$6,000;
Loss of 2 or more limbs or sight in both eyes-$6,000; Loss of 1 limb or sight in 1 eye-$3,000
$250,000 Maximum Principal Sum for any one Family (Not subject to the Deductible or Coinsurance)
Common Carrier Accidental Death $50,000 Principal Sum for the Death of a Participating Member age 18 and older; $30,000 Principal Sum for the Death of a Participating Member under age 18.
$250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance)
Political Evacuation $20,000 Sub-Limit (Not subject to Deductible or Coinsurance)
Terrorism $50,000 Sub-Limit, Eligible Medical Expenses only
Third-Party Liability $500 Sub-Limit, As defined in the policy
Bedside Visit- Outside the US $1,000 Sub-Limit, Participating Member must be Hospitalized for at least 5 days, Reimbursement only
Trip Delay / Missed Connection $100 Sub-Limit per day (maximum 2 days), After a 12-hour delay period, As defined in the policy
Trip Interruption Benefit Up to $1,000 Sub-Limit per Coverage Period (Not subject to Deductible)
Rental Car Deductible Reimbursement Benefit Up to $500 Sub-Limit. (Not subject to Deductible)
Injury Resulting from Sports $10,000 Sub-Limit per Coverage Period
Optional Extreme Sports Rider $50,000 Sub-Limit per Coverage Period

EXCLUSIONS — All charges, costs Expenses Incurred by the Participating Member and directly or relating to or arising from or in connection with any of the following acts, omissions, events, conditions, charges, consequences, claims, treatment (which would include diagnoses, consultations, tests, examinations and evaluations related thereto), services and/or supplies are expressly excluded from coverage under this insurance, and the Scheme Administrator shall provide no Benefits and shall have no liability therefor:

  1. War; Military Action — The Scheme Administrator shall not be liable for and will not provide coverage or Benefits for any claim or Charges, Illness, Injury or other consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to or arising in connection with any of the following acts or events (collectively, "Occurrences"):
    1. War, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not) or civil war; or
    2. Mutiny, riot, strike, military or popular uprising, insurrection, rebellion, revolution, military or usurped power; or
    3. Any act of any person acting on behalf of or in connection with any organization with activities directed toward the overthrow by force of the government de jure or de facto or to the influencing of it by violence of any type; martial law or state of siege, or any events or causes that determine the proclamation or maintenance of martial law or state of siege; or
  2. Pre-Existing Conditions — Any Illness, Injury, Mental or Nervous Disorder, sickness, disease, physical, or any other condition or ailment for which medical advice, diagnosis, care, or treatment (which would include but not limited to receiving services and supplies, consultations, diagnostic tests, or prescription medications) was recommended or received during the 730 days immediately preceding the Effective Date of the Evidence of Insurance or Effective Date of the insurance; any condition that manifested itself (whether known or unknown) in such a manner that would cause a reasonably prudent person to seek medical attention, treatment, advice, diagnosis, or care that with reasonable medical certainty, existed at the time of Application or within the 730 days immediately preceding the Effective Date of the Evidence of Insurance or Effective Date of Insurance. For the purposes of the Complications of Pregnancy coverage offered herein, Pregnancy will not be included within the definition of a Pre-existing Condition; and
  3. Maternity — Charges related to or incurred for Pregnancy; and
    1. Routine pre-natal care, child birth, and post-natal care; and
    2. False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, which would include Newborn Care; and
  4. Charges Incurred For Surgeries, Treatment Or Supplies That Are:
    1. Investigational, Experimental, or for Medical Research purposes; and
    2. Charges for any Participating Member under the age of fourteen (14) days; and
    3. Any treatment for or related to any congenital condition; and
    4. Any charges that are not incurred by a Participating Member during his/her Coverage Period; and
    5. Charges that are not submitted within the timely filing limits; and
    6. Treatment, services or supplies that are not Medically Necessary related to genetic medicine or genetic testing, which would include, without limitation, amniocentesis, genetic screening, risk assessment, prevention and/or to determine pre-disposition, genetic counseling, and/or gene therapy; and
    7. Any immunizations/vaccinations, Routine Physical or gynecology exams; and
  5. Charges Incurred While Confined While Confined Primarily To Custodial Care, Educational, Or Rehabilitative Care; and
  6. Charges Incurred For Any Surgery, Treatment, Or Supplies Relating To, Arising From Or In Connection With, For, Or As A Result Of:
    1. Weight modification or any Inpatient, Outpatient, Surgical or other treatment of obesity (which would include, without limitation, morbid obesity), which would include, without limitation, wiring of the teeth and all forms of bariatric Surgery by whatever name called, or reversal thereof, which would include, without limitation, intestinal bypass, gastric bypass, gastric banding, vertical banded gastroplasty, biliopancreatic diversion, duodenal switch, or stomach reduction or stapling; and/or
    2. Modification of the physical body in order to change or improve or attempt to change or improve the physical appearance or psychological, mental or emotional well-being of the Participating Member (such as but not limited to sex-change Surgery or Surgery relating to sexual performance or enhancement thereof); and/or
    3. Cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and follows a Surgery that was covered under this insurance; and/or
    4. Medical Expenses Incurred for Injury or Illness resulting from Amateur Athletics, Contact Sports, intercollegiate, interscholastic, intramural, and club sports or athletic activities and Professional Sports which would include practice; mountaineering at elevations of 7,000 meters or higher, avalanche training, rock climbing, and caving; aviation (except when traveling solely as a passenger in a commercial aircraft), and hot air ballooning as a pilot; base-jumping, hang-gliding, parachuting, paragliding, parasailing, kite-surfing, sky surfing, bungee jumping, absailing, and zip lining; heli-skiing, snow skiing, or snowboarding, recreational downhill and/or cross country snow skiing or snowboarding, bobsleigh, skeleton or luge, and ice climbing; sub aqua pursuits involving underwater breathing apparatus unless PADI/NAUI certified, or accompanied by a certified instructor at depths of less than 10 meters; white water rafting, spelunking or cave diving, surfing, body boarding, waterskiing, wakeboarding, windsurfing, knee boarding, kayaking, and jet skiing; off-road motorized vehicles which would include all-terrain vehicles, snowmobiles, motorized dirt bikes, and tractors; racing by any animal, skateboarding, BMX biking, mountain biking, and speed trials and speedway; any type of boxing or martial arts, powerlifting, and wrestling; big game hunting, wild safaris, running with the bulls, and horseback riding; Aussie rules football, jousting, modern pentathlon, and quad biking outdoor endurance events.
    5. Any Illness or Injury sustained while participating in any sporting, recreational or adventure activity where such activity is undertaken against the advice or direction of any local authority or any qualified instructor, or contrary to the rules, recommendations and procedures of a recognized governing body for the sport or activity; and/or
    6. Any Illness or Injury sustained while participating in any activity where such activity is undertaken against medical advice; and/or
    7. Any Injury or Illness sustained after the consumption of intoxicating liquor or drugs. Which would include Illness or Injuries sustained while operating a moving vehicle after consumption of intoxicating liquor or drugs, other than Prescription drugs taken in accordance with Treatment prescribed and directed by a Physician. For purposes of this exclusion, "vehicle" shall include both motorized devices for which a driver or operator license is required which would include watercraft, aircraft and non-motorized bicycles and scooters for which no permit or license is required; and/or
    8. Any willfully self-inflicted Injury or Illness; and/or
    9. Any venereal disease; and/or
    10. Treatment by a chiropractor; and/or
    11. Treatment of a Mental Health Disorder; and/or
    12. Treatment for acne, other acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, unspecified disease of sebaceous glands, and hypertrophic and atrophic conditions of skin; and/or
    13. Telephone consultations or failure to keep a scheduled appointment; and/or
    14. Any testing for the for: HIV, seropositivity to the AIDS virus, AIDS-related Illnesses, ARC Syndrome and AIDS; and/or
    15. Any Illness or Injury resulting from or occurring during the commission of a violation of law by the Participating Member, which would include, without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations; and/or
    16. Any Substance Abuse; and/or
    17. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy; and/or
    18. Orthoptics, visual therapy or visual eye training; and
    19. Psychometric, behavioral and Educational testing; and
    20. The Zika Virus or complications there of; and
  7. The Feet, Which Would Include, Without Limitation:
    1. Orthopedic shoes, prescribed orthopedic devices to be attached to or placed in shoes; and/or
    2. Treatment of weak, strained, flat, unstable or unbalanced feet; and/or
    3. Metatarsalgia, bone spurs, hammertoes or bunions; and
    4. Any treatment or supplies for corns, calluses or toenails provided, however, that claims for treatment or supplies for the feet may be eligible for coverage under this insurance at the sole option of the company and subject to all other Terms of this insurance when related to:
      1. An Injury to the foot arising from an Accident covered hereunder; or
      2. An Illness for which foot Surgery is Medically Necessary and determined to be the only appropriate method of treatment; and
  8. Hair Loss, Which Would Include, Without Limitation:
    1. Which would include without limitation, wigs; and/or
    2. Hair transplants; and/or
    3. Any drug that promises to promote hair growth, whether or not prescribed by a Physician; and
  9. Any Sleep Disorders; and
  10. Any Exercise Programs — Whether or not prescribed or recommended by a Physician; and
  11. Nuclear or Atomic Radiation — Any exposure to any medical or non-medical radioactive material(s); and
  12. Any Artificial or Mechanical Devices — designed to replace human organs temporarily or permanently; and
  13. Fertility/Infertility — Charges incurred for any treatment or supply that either promotes, prevents or attempts to promote or prevent conception; which would include, but not limited, to;
    1. Artificial insemination; and
    2. Oral contraceptives; and
    3. Treatment for infertility or impotency; and
    4. Vasectomy or reversal of vasectomy; and
    5. Sterilization or reversal of sterilization; and
  14. Sexual Dysfunction — Charges incurred for any treatment or supply that either promotes, enhances or corrects, or attempts to promote, enhance or correct impotency or sexual dysfunction; and
  15. Dental Treatment — Except for Emergency Dental Treatment necessary to repair or replace sound natural teeth lost or damaged in an Accident covered hereunder or as necessary treatment of sudden, Unexpected pain to sound natural teeth, and subject to the limits set forth in the Schedule of Benefits/Limits;
    1. Routine or general dental care; and
    2. Charges incurred for treatment of the temporomandibular joint; and
  16. Vision — Charges incurred but not limited to;
    1. For eyeglasses or contact lenses; and/or
    2. Charges for any treatment, supply, examination or fitting related to these devices; and
    3. Eye refraction for any reason; and
    4. Eye Surgery, included, but not limited to, radial keratotomy, when the primary purpose is to correct or attempt to correct nearsightedness, farsightedness or astigmatism; and
    5. Charges for Treatment of cataracts or glaucoma
  17. Hearing — Hearing aids, hearing implants and charges for any Treatment, supply, examination or fitting related to these devices; and
  18. Newborn Care — Charges incurred by the Participating Member for the treatment of his/her Newborns (or for supplies related thereto); and
  19. Accommodations — Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance; and
  20. Taxes and Other Miscellaneous Fees — Any taxes, assessments, charges, fees or surcharges imposed by any governmental agency or authority:
    1. Arising out of or as a result of any treatment or supplies received by the Participating Member; or
    2. Based upon the Company's election hereunder, if any, to pay Benefits directly to providers; or
    3. For any other reason; and
  21. Non-Prescription/Over-The-Counter Medication — Charges or Expenses Incurred for non-prescription drugs, medicines, vitamins, food extracts, or nutritional supplements; IV vitamin or herbal therapy; drugs or medicines not approved by the US Food and Drug Administration or which are considered " off-label" drug use and for drugs or medicines not prescribed by a Physician; and
  22. Transplants:
    1. Any organ, tissue or other transplant or related services, treatment or supplies, except for Covered Transplants as defined herein and covered pursuant to the Terms of this insurance; and/or
    2. Any artificial, non-human organs, or mechanical devices designed to replace human organs temporarily or permanently; and/or
    3. Any efforts to keep a donor alive for a transplant procedure, whether or not the transplant procedure is a Covered Transplant; and
  23. Disease Outbreak — Diagnosis, testing or treatment of Injury or Illness resulting from a disease outbreak in a country or location for which the United States Center for Disease Control and Prevention (CDC) has issued a Warning Level 3 if;
    1. The warning has been in effect within one-hundred and eighty (180) days immediately prior to the Participating Member(s) date of arrival; and
    2. Within ten (10) days following the date the warning is issued the Participating Member(s) has failed to depart the country or location; and
  24. Against Medical Advice — Any Charges and or services related to Inpatient, Outpatient or Emergency room services in which the Participating Member chooses not to comply with recommended treatment and or where the Participating Member terminates such services, or leaves the facility against medical advice (AMA).
  25. Rare Condition/Defect — Any claim, Charges, Illness, Injury or other consequence happening or arising during the existence of Rare Conditions/Defect (whether physical or otherwise), whether or not directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed and considered to be consequences for which the Scheme Administrator shall not be liable under the Evidence of Insurance , except to the extent that the Participating Member shall prove that such claim, Charges, Illness, Injury or other consequence happened independently of the existence of such Rare Conditions/Defect.

Any Illness, Injury or Mental or Nervous Disorder that, with reasonable medical certainty, existed on or at any time prior to the Initial Effective Date of this insurance, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the Application or on any Claim Form or otherwise, which would include any chronic, subsequent or recurring complications, or consequences associated therewith or arising or resulting therefrom.

Taking advantage of Azimuth’s broad selection of quality US preferred providers benefits you by allowing cost advantaged access to medical care outside USA and the significant ease of finding a qualified health care provider virtually anywhere Outside USA. For more information you can contact us.

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 - 730 days including extension.

Cancellation by Participating Member — 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 r requested Effective Date. Cancellation requests received after the requested Effective Date will be subject to the following:

  1. A $25.00 cancellation fee; and
  2. Only the unused portion of the Premium cost will be refunded; and
  3. No claims will be eligible for Premium refund.

Termination of Coverage for Participating Member — Coverage and Benefits for the Participating Member under this insurance will terminate effective at 11:59 PM, EST, on the earliest of the following dates:

  1. The next day following the end of the period for which Premium has been fully and timely paid; or
  2. The termination date as shown on the Proof of Insurance or Evidence of Insurance; or
  3. The date the Master Policy is terminated; or
  4. The date the Participating Member first fails to meet or no longer meets the eligibility requirements for this insurance as set forth in the Master Policy and outlined in the Evidence of Insurance; or
  5. The date the Scheme Administrator and/or Underwriters, at its sole option, elects to cancel from the Beacon/Axis Series Group Insurance Plan (sometimes referred to herein as "this insurance plan" or "the plan") all Participating Members of the same sex, age, class or geographic location as the Participating Member, provided the Scheme Administrator gives no less than thirty (30) days advance written notice by mail to the Participating Member's last known place of residence or mail - forwarding address of its intent to exercise such option with or in conjunction and the express written consent of Underwriters; or
  6. The cancellation date specified by the Scheme Administrator and/or Underwriters pursuant to Section 15.1, above; or
  7. The cancellation date specified by the Participating Member, or upon return to Home Country; or
  8. The date specified by the Scheme Administrator and/or Underwriters in any notice of cancellation, forfeiture or rescission issued pursuant to or as a result of the circumstances described in Sections 7, 12, 15 and above, or Section 16 below, or as otherwise permitted by the Terms of this insurance. Coverage for the Participating Member shall remain in full force and effect unless terminated pursuant to the provisions of this section, except as otherwise provided in the Master Policy or the Evidence of Insurance.

WHEN CLAIM IS TO BE CONSIDERED AS FIRST MADE:

  1. When Azimuth Risk Solutions first receives written notice from the Participating Member that a claim has been made; or
  2. When Azimuth Risk Solutions first receives written notice from the Participating Member of specific circumstances involving a particular person or entity, which may result in a claim. All claims arising out of the same or related Incident shall be considered as having been made at the time the first such claim is made, and shall be subject to the same limit of liability.