Insubuy Insurance

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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 U.S. dollars.


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



 
Comprehensive Comprehensive Plans
Comprehensive Comprehensive Plan
Comprehensive Comprehensive Plan
Comprehensive Comprehensive Plan
In U.S./Canada: After deductible, you pay 20% of the first $5,000 in covered expenses, rest covered at 100% up to selected policy maximum. Coinsurance (20%) waived if expenses are incurred within PPO and provider bills directly to Underwriter.

Outside U.S./Canada: After deductible, covered at 100% up to selected policy maximum.
In U.S./Canada: 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.

Outside U.S./Canada: After deductible, covered at 100% up to selected policy maximum.
In U.S./Canada: 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.

Outside U.S./Canada: After deductible, covered at 100% up to selected policy maximum.
In U.S./Canada: After deductible, covered at 100% up to selected plan maximum. Outside PPO, you pay 10% of the first $5,000 in covered expenses.

Outside U.S./Canada: After deductible, covered at 100% up to selected policy maximum.
MEDICAL - OUTPATIENT
Doctor/ urgent care visits
U.S. Urgent Care: $50 copay. Not subject to deductible. Other, to policy maximum.
To policy maximum
To policy maximum
To policy maximum
Hospital emergency room (all expenses incurred therein)
To policy maximum.

Extra $200 penalty/visit if ER visit for a sickness (not injury/accident) that does not result in direct hospital admission.
To policy maximum.

Extra $250 penalty/visit if ER visit for a sickness (not injury/accident) does not result in direct hospital admission.
To policy maximum.

Extra $250 penalty/visit if ER visit for a sickness (not injury/accident) does not result in direct hospital admission.
To policy maximum.

Extra $250 penalty/visit if ER visit for a sickness (not injury/accident) does not result in direct hospital admission.
Prescription drugs
To policy maximum, maximum supply of 60 days per prescription
To policy maximum, maximum supply of 90 days per prescription
To policy maximum, maximum supply of 90 days per prescription
To policy maximum, maximum supply of 90 days per prescription
Diagnostic x-rays lab services
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Surgical treatment
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage
20% of primary surgeon charge. No standby availability coverage
20% of primary surgeon charge. No standby availability coverage
20% of primary surgeon charge. No standby availability coverage
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
To policy maximum, average semi-private room
To policy maximum, average semi-private room
To policy maximum, average semi-private room
Intensive care unit
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Surgical treatment
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Anesthetist
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Assistant surgeon
20% of primary surgeon charge. No standby availability coverage
20% of primary surgeon charge. No standby availability coverage
20% of primary surgeon charge. No standby availability coverage
20% of primary surgeon charge. No standby availability coverage
Physician's non-surgical visits
To policy maximum
To policy maximum
To policy maximum
To policy maximum
Consult physician, when requested by attending physician
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
Same as any other eligible medical expense
Same as any other eligible medical expense
Same as any other eligible medical expense
Same as any other eligible medical expense
Local ambulance
To policy maximum when covered illness or injury results in hospitalization as inpatient
To policy maximum for covered illness that results in hospital as inpatient or for covered injury
To policy maximum for covered illness that results in hospital as inpatient or for covered injury
To policy maximum for covered illness that results in hospital as inpatient or for covered injury
To policy maximum
To policy maximum
To policy maximum
To policy maximum
-
To policy maximum
To policy maximum
To policy maximum
-
-
-
-
Only the complications of pregnancy, during first 26 weeks of pregnancy
-
-
-
Inpatient: To policy maximum
Outpatient: $50/day
To policy maximum
To policy maximum
To policy maximum
Acute onset only. Medical to policy maximum and $25,000 medical evacuation for persons under age 70
US citizens only: Sudden, unexpected recurrence of pre-existing condition: Age < 65 & with primary health plan - to policy maximum, age < 65 & no primary health plan - $20,000, age >=65 - $2,500
Acute onset only. Medical to policy maximum and $25,000 medical evacuation for persons under age 70
Sudden, unexpected recurrence of pre-existing condition: Age < 65 & with primary health plan - to policy maximum, age < 65 & no primary health plan - $20,000, age >=65 - $2,500
Included
Optional
Optional
Optional
Benefit period for continued treatment following termination date of policy
90 days
6 months
6 months
12 months
DENTAL
$250 per certificate period
$100
$100
$250
To policy maximum
To policy maximum
To policy maximum
To policy maximum
TRAVEL
$1,000,000 ($25,000 in case of Acute onset of pre-ex conditions). Separate from overall policy max
$500,000
$500,000
To policy maximum
To policy maximum
$50,000
$50,000
$100,000
$5,000
$5,000
$5,000
$5,000
$50,000
$50,000
$50,000
$100,000
$50,000
$50,000
$50,000
$100,000
-
-
-
-
$5,000
$5,000
$5,000
$10,000
$500 per certificate period
$50 per item, $250 max
$50 per item, $250 max
$500
LIFE
Principal sum - $5,000 (14 days-17 years), $50,000 (18-69), $12,500 (70-74), $6,250 (75+)
$25,000
$25,000
$50,000
Principal sum - $25,000 (14 days-17 years), $50,000 (18-69), $12,500 (70-74), $6,250 (75+)
$50,000 per person. Max $250,000 per family
$50,000 per person. Max $250,000 per family
$100,000/adult. $25,000/child. Max $250,000 per family
OTHER
Incidental
Incidental and Optional End of Trip
Incidental and Optional End of Trip
Incidental and Optional End of Trip
$50,000
$50,000
$50,000
To policy maximum
-
$500
$500
$500
$100/day
$100/night, max 10 nights
$100/night, max 10 nights
$250/night, max 10 nights
$100/day, 5 days max
$100/day, 5 days max
$100/day, 5 days max
$100/day, 5 days max
PLAN FEATURES
Renewable
No
Cancellation policy
Before effective date, full refund. After effective date, pro-rate refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund. After effective date, pro-rate refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund. After effective date, pro-rate refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund. After effective date, pro-rate refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
multiples of days (min 5 days) - max 364 days for US residents or visiting US, max 1092 days for non-US residents
multiples of days (min 5 days) - max 2 years
multiples of days (min 5 days) - max 2 years
multiples of days (min 5 days) - max 3 years
$0
$0
$0
$0
$0
$0
$0
$0
American Express Visa MasterCard Disover JCB Visa MasterCard Discover JCB Visa MasterCard Discover JCB Visa MasterCard Discover
Available deductibles
By Age
per policy period
$0
$100
$250
$500
$1,000
$2,500
Annual
$0
$100
$250
$500
$1,000
$2,500
Annual
$0
$100
$250
$500
$1,000
$2,500
Annual
$0
$100
$250
$500
$1,000
$2,500
$5,000
$10,000
$25,000
Policy maximum options
By Age
lifetime maximum
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$200,000 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 (U.S. Citizens only)
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 (U.S. Citizens only)
lifetime maximum
$20,000 Age 80+
$100,000 70-79
$1,000,000 Up to 69
$5,000,000 Up to 69
$8,000,000 Up to 69
Claims administrator
Tokio Marine HCC Medical Insurance Services Group
International Medical Group (IMG)
International Medical Group (IMG)
International Medical Group (IMG)
Insurance company / Carrier / Underwriter
Lloyds
Sirius International
Sirius International
Sirius International
A.M. Best rating
A "Excellent"
A "Excellent"
A "Excellent"
A "Excellent"
  • $5 renewal fee (< 1 month)
  • $5 renewal fee (< 1 month)

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 the 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.