Flexible, Renewable Medical Insurance for Travel or Living Abroad

• Coverage from 15 Days and Renewable up to 4 Years
• Medical Expense, Evacuation, Accidental Death and Much More
• Affordable Daily Rates
• Three plans to Fit Your Needs and Budget

WorldMed^TM is designed for people who are traveling outside their home country from 15 days to four years, providing high limit illness and accident expense protection for a reasonable cost. If you are injured or become ill while abroad, you can rely on WorldMed^TM to reimburse you for your covered medical expenses. Major expenses can be paid directly to the medical or evacuation provider. You pay the deductible and coinsurance if applicable. WorldMed^TM also provides you with 24-hour access to emergency assistance services which can help refer you to local doctors or hospitals, provide multilingual interpretation, arrange your emergency medical evacuation, keep in touch with your physician and family back home, and more.

Traveling or living abroad can be an exciting, fulfilling experience. However, every year many people visiting foreign countries require emergency medical treatment, hospitalization, or medical evacuation to their home countries. A major illness or injury could cost you US$100,000 or more, and a medical evacuation as much as US$100,000 (Asia to the U.S.). For most families, this would cause a severe financial strain.

Traveling U.S. residents will find that Medicare and most Medicare supplement plans offer little or no protection outside the U.S. Further, many U.S. medical policies, HMO’s and PPO’s provide limited international benefits, and most do not pay for medical evacuations. Visitors to the U.S. will find that doctors and hospitals may not accept insurance issued in a foreign country and direct claims payment may be unavailable. Benefit limits may also be inadequate.

Coverage is available to individuals traveling outside their home country or country of residence, and to dependent children (age 14 days through 18 years) traveling with the insured. Coverage is available from 15 days to 12 months per enrollment, and renewable under the same confirmation for up to a total of 48 consecutive months.

WorldMed Insurance offers medical expense and emergency medical evacuation coverage to individuals traveling outside their home country.

WorldMed is the perfect solution for covering medical emergencies, evacuations, repatriations and more—coverage that your current group health policy may not provide.

• Inbound Coverage—for people traveling to the U.S.
• Outbound Coverage—for people traveling outside the U.S.
• Affordable, daily rates
• Choose from up to 8 deductibles: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000
• Three plans to choose from (Plan A, Plan B, Lite), featuring various limits and benefits
• Live Travel—Can assist in re-booking flights and hotel reservations in the event of flight cancellations, delays or schedule changes.
• Home Country Coverage—Covers you in your home country for incidental visits
• Can be purchased up to four years (maximum one year per enrollment)

• Felonious Assault Coverage—$15,000 limit
• Stolen Passport/Visas—Up to $500 (cost of obtaining replacement passports, travel tickets and other relevant travel documents lost as well as additional travel expenses and hotel accommodations incurred to replace lost travel documents for losses arising out of robbery, burglary, theft or natural disasters such as typhoons and earthquakes.)
• Emergency Dental for Relief of Pain—$100
• Injury to natural teeth by an accident - $1,000

• Buy-Up Package–Adds the following:
  • Hazardous Activities coverage
  • Personal Security Services–Company will coordinate a transportation should you need a security evacuation to the nearest place of safety
  • Concierge Services–can make dining reservations on behalf of the customer, assist with scheduling golf tee times and making course recommendations; 24/7 updates on sports scores, assist with obtaining theater tickets
• Accidental Death & Dismemberment Buy-Up–can purchase an additional $500,000 or $1,000 000 of AD&D coverage
• Accident/Sickness Buy-Up–If you are 70+ you can obtain higher limits of accident/sickness medical
  • For ages 70-79, the Buy-Up is $100,000
  • For age 80+, the Buy-Up is $50,000

* The maximum medical benefit limit for ages 70-79 is $50,000 and for ages 80+ is $15,000.

WorldMed:
In US: After deductible, it pays 90% for first $20,000 in covered expenses, and then pays 100% up to policy maximum.
Outside US: After deductible, it pays 100% up to policy maximum.

WorldMed Lite:
In US: After deductible, it pays 80% for first $5,000 in covered expenses, and then pays 100% up to policy maximum.
Outside US: After deductible, it pays 100% up to policy maximum.

If the insured receives medical care for the following conditions: tumor or related conditions, cancer or related conditions, stroke or cerebrovascular accident or event, cardiovascular accident or event, myocardial infarction or heart attack, coronary thrombosis, or aneurysm, the company will pay up to $300/day up to a maximum of $5,000 for an inpatient stay or a maximum of $5,000 as an outpatient. Eligible medical services for these conditions should not exceed the total aggregrate amount of $5,000.

1. Who is eligible to purchase WorldMed Insurance?
Individuals traveling or residing outside their home country or country of residence for up to 4 years may purchase WorldMed.

2. Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?
Yes. You may enroll in WorldMed regardless of how long you have been living or traveling outside your home country or country of residence.

3. Will my WorldMed policy go into effect the day I enroll? I need coverage soon.
No. However, your policy can go into effect as early as one day after you submit your Enrollment online.

4. Is it possible to renew my policy?
Yes. You will receive an email reminder 30 days prior to your coverage Expiration Date. Renew online using our secure renewal form or any time using our Current Clients section. After completing the online form, you will receive a renewal confirmation by e-mail. The insurance is renewable up to a total of 48 months.

5. When I renew my policy will I be able to make changes?
Yes, when you renew, you may make changes to your personal information such as: address, email address and/or phone number. If you would like to select a different plan, deductible or different Buy-Up Options, you will need to submit a new Enrollment.

6. How will proof of insurance be sent to me?
If you buy or renew your coverage online, your receipt and Confirmation of Insurance will be emailed to you.

7. Why are three WorldMed plans offered?
WorldMed Plans A and B are designed for those who want more complete coverage with high limit, combined Accident and Sickness Medical Expense benefits. WorldMed Lite is a budget alternative, with lower limits and separate Accident and Sickness Medical Expense benefits.

8. If I need medical care, will I have to pay for my expenses at the time of treatment?
You may have to pay for medical care at the time of treatment depending on the medical facility being used. In the event that the medical facility requires payment up front, you can submit a claim for reimbursement, less your selected deductible and the co-insurance. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the insurance company’s Assistance Service.

9. What is a deductible?
The deductible is the amount that you, the Insured person, pay before the insurance begins to pay for covered medical expenses. All WorldMed plans offer a choice of deductibles.

• WorldMed Plan A and B: $0, $50, $100, $250, $500, $1,000, $2,500 and $5,000
• WorldMed Lite: $250, $500, $1,000 and $2,500

10. May I choose any doctor or hospital if I need medical care?
Inbound: Traveling to the U.S.
Yes, you may go to your choice of provider. In the U.S., however, there are advantages in using the providers in the MultiPlan Network, WorldMed’s Preferred Provider Network. Network doctors and hospitals charge pre-negotiated rates which help you to reach your benefit limit more slowly. Your benefit limit will not be reduced if you choose to be treated outside the MultiPlan Network, however you may incur higher out-of-pocket costs.

Outbound: Traveling Outside the U.S.
Yes. Outside the U.S., WorldMed does not use a Preferred Provider Network. Therefore, you may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company can help you locate a doctor or hospital.

11. Is there a network provider in my area?
Inbound: Traveling to the U.S.
Most likely. For a listing of MultiPlan providers in your area please visit provider directory.

Outbound: Traveling Outside the U.S.
Outside the U.S., WorldMed does not use a Preferred Provider Network. The Emergency Assistance Company can help you locate a doctor or hospital.

12. What is a beneficiary?
The Beneficiary is the person (or persons) who receives the Accidental Death benefit if the Insured dies in an accident while insured under the policy. The Insured will automatically be the Beneficiary for any insured spouse and children. Examples of beneficiaries include: your spouse, your children, your estate or your living trust.

13. Does WorldMed cover pre-existing conditions?
No. A Pre-Existing Condition is defined as, "any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years for Inbound insureds and six months for Outbound insureds prior to the effective date of this insurance." See WorldMed’s Description of Coverage for a complete list of exclusions.

WorldMed (Plan A and Plan B) additionally pays $300 per day for each night spent in the hospital after being admitted for either a heart attack or stroke. Maximum Benefit limit is $5,000.

14. What is "Home Country Coverage"?
Home Country Coverage, available in WorldMed Plans A and B, is for eligible medical expenses incurred while the insured is back visiting in their home country while still insured under the policy. Coverage is limited to $50,000 or 30 days, whichever is less. Eligible medical expenses are those eligible expenses associated with an accident or illness that has occurred during the insured's temporary stay inside their Home Country. Coverage is subject to the deductible and co-insurance as stated in the Accident and Sickness Medical Expense Benefit.

15. Is it safe to purchase WorldMed Insurance online?
Yes. We work closely with our programmers to keep our forms in a highly secure ordering environment so you can enroll in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning of the page address (URL) will change from “http” to “https”, to let you know you are in a secure area. Also, a key or a closed padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure zone for the entire purchase process.

16. If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?
Yes. You may cancel your insurance prior to your effective date and receive a premium refund, less a $20 processing fee. Please follow the instructions in Current Clients section.

17. Am I eligible for a partial refund if I return home before my policy expires?
No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. (This is noted in the Enrollment Agreement when you purchase online.) Refunds are permitted only before coverage starts (see question #16).

18. After I submitted my Enrollment online, I realized I entered the wrong Effective Date. What should I do?
Send any corrections to us in writing by email, fax or mail and we will confirm the changes. When sending correspondence, please include a daytime phone number and reference your Online Order Transaction number.

Please refer to the instructions in the Current Clients section.

If the correction results in an increase in premium, please submit check or credit card payment by fax or mail. When sending credit card details, please include the number, expiration date and a statement authorizing Travel Insurance Services to charge the additional amount.

Effective July 1, 2011.

Rates for Policy Number 9028418N (Inbound)

Plan A

Plan B

Rates for Policy Number 9028417N (Outbound)

Plan A

Plan B

The insurance benefits in this policy are underwritten by The Insurance Company of the State of Pennsylvania, A "Excellent" rated by A.M. Best Company and a member of the AIU Holdings, Inc..

The policy is exclusively administered by Travel Insurance Services, Walnut Creek, CA, a provider of travel/health insurance since 1973.

Emergency assistance is provided by Travel Assist, Houston, TX.

Claims are adjusted by AIU, Shawnee Mission, KS.

WorldMed^TM is a registered trademark of Travel Insurance Services.