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(866) INSUBUY 467-8289 Mon-Fri: 8 AM - 9 PM CST Sat-Sun: 8 AM - 5 PM CST

International Major Medical

1 Day to 11 Months

For

  • Non USA Citizens in the USA
  • Resident Aliens in the USA
  • Optional Worldwide Coverage

Uses

  • Tourism
  • Immigration
  • Religious Pursuits
  • VISA Requirements
  • Occupation Outsourcing
  • Foreign Exchange Students
  • Relatives Visiting From Abroad

Description of Available Benefits

Choice of Deductible

Age 0-69   : $100, $250, $500, $1,000, $2,500 or $5,000
Age 70-79 : $1,000, $2,500 or $5,000
Age 80-84 : $2,500 or $5,000

(Deductibles listed are per policy period.)
One policy will be issued for each person.

Maximum Benefit

Age 0-69   : up to $1,000,000
Age 70-74 : up to $250,000
Age 75-79 : up to $100,000
Age 80-84 : up to $50,000

(Benefits listed are per policy period.)
One policy will be issued for each person

Description of Policy Benefits

The insurance being described is a temporary major medical insurance plan with a maximum term length of 11 Months. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within the specified geographic area will be reimbursed to you.

Eligible Expenses

Hospital Expenses

All medically necessary expenses while hospitalized.

Physician Services

All medically necessary expenses for treatment.

Skilled Nursing Facilities

All medically necessary expenses if confinement begins following a medically necessary hospital confinement of 3 days or longer.

Home Health Care

All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.

Medical Evacuation

All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide the appropriate care up to $250,000.

$25,000 Accidental Death

$50,000 if accidental death occurs while riding as a passenger of a common carrier.

Ambulance Services Expenses

To and from a hospital within 100 miles in the same geographic area.

Prescription Drugs

Outpatient prescription medications covered up to a maximum of $500.

Emergency Return Home

If, after you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.

Trip Cancellation Benefit

If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to fire, wind, flood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $2,500, excess of $100 each and every loss and excess of all other valid Insurances.

Repatriation of Remains

In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $250,000.

Lost Luggage

In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages.

Optional Coverages

Cardiac & Cancer Benefit Increase Optional Rider

If you elect this option Underwriters will remove the $25,000 limitation on cardiac and cancer related conditions and Underwriters will consider them to be the same as any other expense. This option is available only to individuals under the age of 60 and it does not waive the pre-existing condition exclusion.

War & Terrorism Coverage Optional Rider

If you elect this option Underwriters will reimburse You for Eligible Expenses which are incurred as a result of Injuries or Illnesses sustained due to war/terrorism or act of war/terrorism. Injuries or Illnesses due to war/terrorism or act of war/terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s) are not covered with this optional benefit.

Included Sports & Activities

Sports or Activities included in Your coverage. Participation in the following sports or activities are covered at no additional premium and without the need for prior declaration, when participating on a recreational and non professional basis during the term of insurance. Any involvement in these sports and/or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (including but not limited to helmet, harness, knee and/or elbow pads).

  • Aerobics
  • Archery
  • Badminton
  • Baseball
  • Basketball
  • Body boarding (boogie boarding) up to 10 foot waves
  • Bowling
  • Canoeing/kayaking/rafting (grade 1 only)
  • Cross country running
  • Cycling (street)
  • Deep sea fishing
  • Fencing
  • Fishing
  • Go karting
  • Golf
  • Gymnastics (non-competitive)
  • Hot air ballooning (organized pleasure rides only)
  • Indoor climbing (on climbing wall)
  • Jet boating
  • Martial arts/karate (non-competitive)
  • Paint balling/war games (wearing eye protection)
  • Parasailing (over water)
  • Rowing
  • Running (non-competitive and not marathon)
  • Sailing/yachting (if qualified or accompanied by a qualified person and no racing)
  • Snorkeling
  • Soccer
  • Spear fishing up to 30 feet (without tanks)
  • Swimming
  • Table tennis
  • Tennis
  • Trampolining
  • Trap shooting
  • Trekking/hiking (without the need for climbing equipment) up to 10,000 feet above sea level
  • Tug of war
  • Volleyball

Included Sports or Activities Does Not Include

  • Any sport and/or activity not listed above, or
  • Any activity you do as a high school athlete, college athlete, semi-professional athlete, professional athlete, or in a race, or
  • Any activity carried out against local warnings or advice, or
  • Any activity if it is not carried out in a safe way, or
  • Any activity if you act irresponsibly or put yourself in needless danger.

Optional Hazardous Sports & Activities Rider

Hazardous Sports or Activities are the following list of activities which are considered to be more than a standard risk. This optional rider will provide up to $250,000 for eligible expenses incurred by participation in the following:

  • Bungee Jumping
  • Driving/Riding a motor scooter
  • Hang Gliding
  • Horseback Riding (no jumping)
  • Hiking/Trekking (without the need for climbing equipment) up to 20,000 feet above sea level
  • Ice Skating (non-competitive)
  • Jet Skiing
  • Mountaineering up to 10,000 feet
  • Paragliding
  • Roller skating/inline skating
  • Scuba diving (up to depth of 60 feet if PADI or equivalent qualified or accompanied by qualified instructor and not diving alone)
  • Skydiving with an instructor
  • Snow Skiing/ Snowboarding
  • (excluding back country and helicopter skiing/boarding)
  • Snowmobiling (trail riding only)
  • Surfing up to 10 foot waves
  • Tree canopy tours / Zip lining / repelling
  • Wake Boarding
  • Waterskiing
  • White Water Rafting / canoeing / kayaking (grades 2-4 only).
  • Windsurfing

Optional Hazardous Sports or Activities Does Not Include

  • Any sport and/or activity not listed in the Optional Hazardous Sports and Activities Rider description, or
  • Any activity you do as a high school athlete, college athlete, semi-professional athlete, professional athlete, or in a race, or
  • Any activity carried out against local warnings or advice, or
  • Any activity if it is not carried out in a safe way, or
  • Any activity if you act irresponsibly or put yourself in needless danger.

Pre-existing Conditions Limitations

Pre-existing Condition means a condition caused or contributed to by a Sickness or Injury for which medical advice, diagnosis, care or treatment, including the use of prescription medication including but not limited to ongoing conditions(s), was recommended by or received from a licensed health care practitioner, and/or any symptom(s) and/or any condition(s) which would have caused a reasonably prudent person to seek medical attention during the twelve (12) months immediately preceding the Effective Date of the insurance described in this Certificate, whether disclosed or not on Your application or online enrollment.

Limitations

  1. This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States' Patient Protection and Affordable Care Act ('ACA'). This insurance does not provide, and Insurers do not intend to provide, minimum essential coverage under ACA. In no event will benefits be provided in excess of those specified in the contract documents. This insurance is not subject to guaranteed issuance or renewability other than as specified in the policy. ACA requires certain US citizens and US residents to obtain ACA compliant health insurance coverage. In some circumstances penalties maybe imposed on persons who do not maintain ACA-compliant coverage. You should consult your attorney or tax professional to determine if ACA's requirements are applicable to you.
  2. No benefits will be payable if the Insured is a US citizen at the time of loss.
  3. Services and supplies for Cardiac Related Conditions and Cancer Related Conditions are limited to either (i) the medical costs of stabilizing your condition and the transportation costs of returning you to your Home Country or (ii) a maximum reimbursement for Eligible Expenses of $25,000, at the option of Underwriters.
  4. The maximum Eligible Expense for Repatriation of Remains or Global Medical Transportation is $250,000 in the aggregate.
  5. The maximum Eligible Expense for room and board charges for an intensive care unit is three times the Provider's semi-private room.
  6. The maximum Eligible Expense for outpatient prescription medication(s) is $500.00 in the aggregate and for a maximum prescribed period of ninety (90) days for any one prescription.

Exclusions

  • Any expense which You are not legally obligated to pay.
  • Services which are not Medically Necessary or are not furnished by and under supervision of a Physician.
  • Expenses for services and supplies for which You are entitled to benefits, services or reimbursement through the Veterans' Administration, Workers' Compensation insurance, any private health plan or from any other source except Medicaid.
  • Expenses in excess of UCR.
  • Intentional self-inflicted injuries while sane or insane.
  • Treatment for alcoholism, drug addiction, allergies, and/or Mental or Nervous Disorders and all related symptoms and side effects.
  • Rest cures, quarantine or isolation.
  • Cosmetic surgery unless necessitated by an accidental Injury.
  • Dental exams, dental x-rays and general dental care except as a result of an accidental Injury.
  • Eye glasses or eye examinations.
  • Hearing aids or hearing examinations.
  • General or routine examinations.
  • Injuries sustained from participation in Hazardous Sports or Activities.*
  • Pregnancy and pregnancy-related conditions including but not limited to fertility, pre-natal care, childbirth, miscarriage, abortion or postpartum conditions.
  • Injuries or Illnesses due to War or any act of War whether declared or undeclared.*
  • Injuries or Illnesses due to Terrorism or an Act of Terrorism whether declared or undeclared.
  • Injuries or Illnesses due to an Act of Terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s).
  • Injuries or Illnesses sustained while committing a criminal or felonious act.
  • Expenses incurred for or resulting from pain which is not supported by medical diagnosis.
  • Cataract surgery.
  • Any elective surgery, including but not limited to complications of previous elective or cosmetic surgeries.
  • Custodial Care.
  • Expenses for supplies and services that were not incurred with in the specified Geographic Area.
  • Pre-existing conditions.

*This exclusion can be removed if the appropriate additional premium has been paid and the optional benefit is indicated on the Schedule or attached by an endorsement.

Important Notice regarding the Patient Protection & Affordable Care Act

This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States' Patient Protection and Affordable Care Act ('ACA'). This insurance does not provide, and Insurers do not intend to provide, minimum essential coverage under ACA. In no event will benefits be provided in excess of those specified in the contract documents. This insurance is not subject to guaranteed issuance or renewability other than as specified in the policy. ACA requires certain US citizens and US residents to obtain ACA compliant health insurance coverage. In some circumstances penalties maybe imposed on persons who do not maintain ACA-compliant coverage. You should consult your attorney or tax professional to determine if ACA's requirements are applicable to you.

Termination of Benefits

The insurance described in this Certificate will terminate upon the Expiry Date of this Certificate or the date US citizenship obtained, whichever occurs first. If on the Expiry Date, You are a patient confined in a Hospital in the specified Geographic Area, benefits will continue until (i) the date You are discharged from the Hospital, or (ii) thirty (30) days beyond the Expiry Date. or (iii) the date US citizenship is obtained, whichever occurs first.

This plan is not compliant with the Affordable Care Act

This is not intended to be a complete outline of coverage. Actual wording may change without notice.
Underwriters reserve the right to modify terms and benefits at time of underwriting.

Administrator

Petersen International Underwriters
23929 Valencia Boulevard, Second Floor
Valencia, California 91355-2186

Underwriter

This insurance is underwritten by Certain Underwriters at Lloyd’s, London

FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470
Website: www.insubuy.com

Version: International Major Medical - 05-01-2017

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