Notice: Not available to residents of DE,IA,KY,MS,MT,NE,NJ,NY,NC,PA,RI,TN,WY
FOR • Foreign Nationals Visiting the USA • Foreign Nationals Working in the USA
• Foreign Nationals in their Home Country Working for a USA Company • USA Citizens Returning to the USA USES • Tourism • Immigration • Religious Pursuits • VISA Requirements • Occupation Outsourcing • Foreign Exchange Students
•Residents of the United States
• Relatives Visiting From Abroad
Choice of Deductible Age 0-69 $100, $250, $500, $1,000, $2,500 or $5,000 Age 70-79 $1,000, $2,500 or $5,000 Age 80-84 $2,500 or $5,000 (Deductibles listed are per person, per policy period)
Maximum Benefit Age 0-69 up to $1,000,000 Age 70-74 up to $250,000 Age 75-79 up to $100,000 Age 80-84 up to $50,000 (Benefi ts listed are per person, per policy period)
Description of Policy Benefits The insurance being described is a temporary major medical insurance plan. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within a specifi ed geographical area will be reimbursed to you. Benefi ts may be assignable directly to the providers once a claim has been validated. This is not intended to be a complete outline of coverage. Actual wording may change without notice. Underwriters reserve the right to modify terms and benefi ts at time of underwriting.
Eligible Expenses
Hospital Expenses: All medically necessary expenses while hospitalized. Physician Services: All medically necessary expenses for treatment. Skilled Nursing Facilities: All medically necessary expenses if confinement begins following a medically necessary hospital confi nement of 3 days or longer. Home Health Care: All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician. Medical Evacuation: All medically necessary expenses for stabilization and transportation to the facility nearest your home, whichcan provide the appropriate care up to $100,000. Repatriation of Remains: In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000. $25,000 Accidental Death: $50,000 if accidental death occurs while riding as a passenger of a common carrier. Ambulance Services Expenses: To and from a hospital within 100 miles in the same geographic area. Prescription Drugs: Outpatient prescription medications covered up to a maximum of $500. Emergency Return Home: If, aft er you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000. Trip Cancellation Benefit: If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to fi re, wind, fl ood, or earthquake, any unused and nonrefundableportion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid Insurances. Lost Luggage: In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages. Common Accident Provision: In the event that you and any additional insured family members suff er injuries from the same accident, only one deductible shall be applied.
Optional Coverages
Cardiac and Cancer Benefit Increase
If you elect this option Underwriters will remove the $25,000 limitation on cardiac and cancer related conditions and Underwriters will consider them to be the same as any other expense. Th is option is available only to individuals under the age of 60 and it does not waive the pre-existing condition exclusion.
Sports or Activities Coverage
If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specifi cally named on the Schedule of Coverage. Benefi ts up to a maximum of $250,000 or the maximum benefi t as stated in the schedule, whichever is lesser.
Why Do I Need The International Major Medical Plan?
Health care costs are diff erent in the United States than other countries around the world. Th e United States health care system is principally funded through private insurance. Access to socialized health care is typically restricted to United States Veterans, Medicare recipients and legal residents using Medicaid. Reciprocity between some countries which both have socialized health care does not occur in the United States.
Examples of Coverage • A Foreign National visiting the USA. • A USA Citizen who is temporarily unable to purchase domestic coverage due to residence restrictions. • A Foreign National working for a USA company in their home country or outside their home country.
Please contact your insurance agent for a quotation or visit their website for the online enrollment.
Limitations
Services and supplies for Cardiac Related Conditions and Cancer Related Conditions are limited to either (i) the medical costs of stabilizing your condition and the transportation costs of returning you to your Home Country or (ii) a maximum reimbursement for Eligible Expenses of $25,000, at the option of Underwriters.
Th e maximum Eligible Expense for Repatriation of Remains or Global Medical Transportation is $100,000 in the aggregate.
Th e maximum Eligible Expense for room and board charges for an intensive care unit is three times the Provider's semi-private room.
Th e maximum Eligible Expense for outpatient prescription medication(s) is $500.00 in the aggregate and for a maximum prescribed period of ninety (90) days for any one prescription.
Insured age 70-74 is limited to $250,000 maximum benefi t or as shown on the Schedule of Benefi ts page, whichever is the least. All other terms and conditions apply.
Insured age 75-79 is limited to $100,000 maximum benefi t or as shown on the Schedule of Benefi ts page, whichever is the least. All other terms and conditions apply.
Insured age 80-84 is limited to $50,000 maximum benefi t or as shown on the Schedule of Benefi ts page, whichever is the least. All other terms and conditions apply.
Pre-existing Conditions Limitations
A preexisting condition means a condition, disease or Injury for which medical advice, diagnosis, care or treatment, including the use of prescription medication including but not limited to ongoing condition(s), was recommended by or received from a licensed health care practitioner, and/or any symptom(s) and/or any condition(s) which would have caused a reasonable prudent person to seek medical attention during the 12 months immediately preceding the Eff ective Date of the insurance described in this Certifi cate, whether disclosed or not on Your application
FOR A DETAILED DESCRIPTION PLEASE SEE THE BROCHURE AT THE TOP OF THIS PAGE
NOTE FROM ROCO:International Major Medical is a visitors insurance for people traveling to the USA to visit,vacation, work, etc but it is not renewable so you should purchase for your entire stay. Other than a visitors insurance International Major Medical is a good plan for US citizens who are between jobs and new immigrants and Green Card holders who are waiting on Medicare eligibility. If you have any questions please contact us.
