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Following is the high level comparison of various international travel group health insurance plans. Please
use this comparison as guide only and do not make any decisions solely
based on this comparison. If you have any ambiguity, doubt or questions, please refer to the individual policy details
for complete details as it is not possible to accurately represent all the
details in concise comparison such as follows. Please call us for
further details. If there is any discrepancy between this comparison and
the actual policy details, the policy details will override.
All the amounts are in US dollars.
Routine physicals and vision(eyeglasses etc.) are not covered in any of the plans.
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Comprehensive
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Comprehensive
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HCC Medical Insurance Services (HCCMIS) |
International Medical Group(IMG) |
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Lloyds |
Sirius International |
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A "Excellent" |
A "Excellent" |
Available deductibles
By Age |
per certificate period
$0
$100
$250
$500
$1,000
$2,500
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annual
$0
$100
$250
$500
$1,000
$2,500
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After deductible, you pay 20% of the first $5,000 in covered expenses, rest covered at 100% up to selected policy maximum. Coinsurance waived if using the provider in the network and provider bills directly.
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After deductible, you pay 10% (20% out of network) of the first $5,000 in covered expenses, rest covered at 100% up to selected plan maximum.
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Co-insurance, outside USA/Canada |
After deductible, covered at 100% up to selected policy maximum
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After deductible, covered at 100% up to selected plan maximum
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lifetime maximum
$10,000
Age 80+
$50,000
Upto 79
$100,000
Upto 69
$250,000
Upto 69
$500,000
Upto 69
$1,000,000
Upto 69
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lifetime maximum
$10,000
Age 80+
$50,000
Upto 79
$100,000
Upto 69
$500,000
Upto 69
$1,000,000
Upto 69
$2,000,000
Upto 69 (US citizens)
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No
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To policy maximum, average semi-private room rate, including nursing services
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To policy maximum, average semi-private room
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URC to policy maximum
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To policy maximum
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URC to policy maximum
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To policy maximum
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Acute Onset of Pre-Existing Conditions for persons below the age of 70 years
$15,000 - Eligible Medical Expenses
$25,000 - Emergency Medical Evacuation
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Non-US citizens - Not covered
US citizens - $15,000 Acute Onset |
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To policy maximum |
To policy maximum |
Benefit period for continued treatment following termination
date of policy |
180 days |
6 months |
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$50/visit |
To policy maximum |
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- |
Universal RX Pharmacy Discount Card |
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None
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Only the complications of pregnancy, during first 26 weeks of pregnancy |
- |
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Optional |
Optional |
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$100 per certificate period |
$100 |
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To policy maximum |
To policy maximum |
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To policy maximum |
$500,000 |
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To policy maximum |
$50,000 |
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$15,000 |
$50,000 |
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$5,000 |
$50,000 |
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$5,000 |
$5,000 |
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$50 per item, $250 max |
$50 per item, $250 max |
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$25,000 Adults age 18-69
$12,500 Adults age 70-74
$6,250 Adults age 75 and above
$5,000 Children age 17 and below
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$25,000 |
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$50,000 per adult, $25,000 children under age 18; $250,000 per group |
$50,000 per person. max $250,000 per family of group |
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Incidental and Optional End of Trip |
Incidental and Optional End of Trip |
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$50,000 |
$50,000 |
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- |
$500 |
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$100/night |
$100/night - US citizens, $0 non-US citizens |
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$100/day - Max 5 days |
- |
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Brochure
Provider Directory
Paper Application
Certificate Wording
Claim Form
Print ID Card
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Brochure
Provider Directory
Paper Application
5 days Renewable
Online Renewal
Claim Form
Print ID Card
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multiples of days(min 5 days) - max 3 years for coverage outside the US, max 1 year for coverage including the US |
multiples of days(min 5 days) - max 2 years |
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URC - Usual , reasonable and customary charges
Home country for IMG's Patriot Group and HCCMIS's Atlas Group -
If you are a US citizen, your home country is the United States,
regardless of your location of your principal residence. If
you are not a US citizen, your country is the country where
you principally reside and receive regular mail.
Coverages shown above are per person unless noted otherwise.
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