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 U.S. dollars.


Routine physicals and vision(eyeglasses etc.) are not covered in any of the plans.



 
Atlas Group Insurance

Quotes & Purchase

Patriot Group Insurance

Quotes & Purchase

Comprehensive Comprehensive Plans
Comprehensive Comprehensive Plan
HCC Medical Insurance Services (HCCMIS)
International Medical Group(IMG)
Lloyds
Sirius International
A "Excellent"
A "Excellent"
Available deductibles
By Age
per certificate period
$0
$100
$250
$500
$1,000
$2,500
annual
$0
$100
$250
$500
$1,000
$2,500
Co-insurance, USA/Canada
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.
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.
Co-insurance, outside USA/Canada
After deductible, covered at 100% up to selected policy maximum
After deductible, covered at 100% up to selected plan maximum
lifetime maximum
$10,000 Age 80+ (coverage outside U.S. only)
$50,000 Up to 79
$100,000 Up to 69
$250,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
lifetime maximum
$10,000 Age 80+
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
$2,000,000 Up to 69 (US citizens)
Yes
MEDICAL
To policy maximum, average semi-private room rate, including nursing services
To policy maximum, average semi-private room
URC to policy maximum
To policy maximum
URC to policy maximum
To policy maximum
Acute Onset of Pre-Existing Conditions for persons below the age of 55 years
$20,000 - Eligible Medical Expenses
$25,000 - Emergency Medical Evacuation
Non-US citizens - Not covered
US citizens - $15,000 Acute Onset
To policy maximum
To policy maximum
Benefit period for continued treatment following termination date of policy
90 days
6 months
$50/visit
To policy maximum
-
Universal RX Pharmacy Discount Card
Yes
Yes
Only the complications of pregnancy, during first 26 weeks of pregnancy
-
Included at no additional cost
Optional
DENTAL
$250 per certificate period
$100
To policy maximum
To policy maximum
TRAVEL
To policy maximum
$500,000
To policy maximum
$50,000
$15,000
$50,000
$5,000
$50,000
$5,000
$5,000
$50 per item, $250 max
$50 per item, $250 max
LIFE
$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
$25,000
$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
OTHER
Incidental and Optional End of Trip
Incidental and Optional End of Trip
$50,000
$50,000
-
$500
$100/night
$100/night - US citizens, $0 non-US citizens
$100/day - Max 5 days
-
PLAN FEATURES
Brochure
Provider Directory
Paper Application
Certificate Wording
Claim Form
Print ID Card
Brochure
Provider Directory
Paper Application
5 days Renewable
Online Renewal
Claim Form
Print ID Card
multiples of days(min 5 days) - max 364 days
multiples of days(min 5 days) - max 2 years
American Express Visa MasterCard Disover JCB Visa MasterCard Discover

URC - Usual , reasonable and customary charges

Home country for IMG's Patriot Group and HCCMIS's Atlas Group - If you are a U.S. citizen, your home country is the United States, regardless of your location of your principal residence. If you are not a U.S. citizen, your country is the country where you principally reside and receive regular mail.

Coverages shown above are per person unless noted otherwise.