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Diplomat Long Term Visitors Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information 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.


Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.


 
Plan type Comprehensive Comprehensive Plans
Plan name
Diplomat LT - Including US
Co-insurance
In U.S.: After deductible, you pay 20% of the first $5,000 in covered expenses, rest covered at 100% up to selected policy maximum.

Outside U.S.: After deductible, covered at 100% up to selected policy maximum..
MEDICAL - OUTPATIENT
Doctor/ urgent care visits To policy maximum
Hospital emergency room (all expenses incurred therein) To policy maximum.

Extra $250 penalty/visit if ER visit for a sickness (not injury/accident) does not result in hospital admission within 12 hours of incident.
Prescription drugs To policy maximum
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
To policy maximum
To policy maximum
MEDICAL - INPATIENT
Hospital room and board including miscellaneous To policy maximum, average semi-private room
Intensive care unit To policy maximum, 2 times average semi-private room rate
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon To policy maximum
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
Same as any other eligible medical expense
Local ambulance
To policy maximum
To policy maximum
-
-
-
To policy maximum
Not covered
-
None
None
Optional
Benefit period for continued treatment following termination date of policy
52 weeks for U.S. citizens; 26 weeks for Non-U.S. citizens.
DENTAL
$100
To policy maximum
TRAVEL
$500,000
$50,000
-
$50,000
$50,000
-
$5,000
$50 per bag, $250 max
LIFE
$25,000
$25,000
OTHER
Optional - Incidental and End of Trip
Optional - War Risk
-
-
$50,000
-
PLAN FEATURES
Renewable Yes if purchased min. 3 months initially
Cancellation policy Before effective date, full refund minus $25 cancellation fee. After effective date, no refund.
multiples of months (min 3 months) - max 3 years up to 69 years, 70-79 2 years, 80+ 1 year
$10
$0
Help Help Help
Available deductibles
By Age
Annual
$0
$50
$100
$250
$500
$1,000
$2,500
$5,000
Policy maximum options
By Age
lifetime maximum
$20,000 Age 80+
$100,000 70-79
$500,000 Up to 69
$1,000,000 Up to 69
Claims administrator Global Underwriters
Insurance company / Carrier / Underwriter Advent Underwriting LTD.
A.M. Best rating A "Excellent"
  • $10 renewal fee

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.