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questions on IC Platinum I looked at your previous advice, seen the web site, and compared various products. I am thinking of getting the IC platinum plan. I just have a few questions to see if i understood the plan properly. To recap: 1) I am from and am a resident of Ireland. 35yrs old with no pre-existing illness. I am looking for a comprehensive plan that will also cover completely JUST AS WELL at home as it will worldwide including North America. I think the answer is yes but please confirm IC Platinum will do this. 2) I plan to take a year (or more) off and have various trips I want to do. In a period of 12 months I would guess that I estimate 7 months in Canada/America. Is this still ok or do i have to leave USA after 6 months regarding coverage in a 12 month period? 2b) If this is true does this include Canada or is this 6 month max only for the USA? 3) Do I really need comprehensive or would a fixed plan be better since I would only figure to be covered for severe accidents or severe illnesses that is unlikely to occur. 4) In Ireland do you have a PPO network or preferred list of hospitals/doctors you use? thank you Don
1. IC Platinum is worlding including home country. 2. 6 months restriction is only for US citizens, not for you. 2b. N/A 3. Comprehensive is better as what is covered is nearly same, how much is covered is what is different. 4. No. PPO concept is really in US.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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