Insubuy Insurance

8 AM-9 PM CST. Mon-Fri
8 AM-5 PM CST. Sat-Sun


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 and Cancer Benefit Increase

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.


Sports or Activities Coverage
If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.


War & Terrorism Coverage
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.


Important Notice regarding the Patient Protection and 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.


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 or permanent legal US resident 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
  1. Any expense which You are not legally obligated to pay.
  2. Services which are not Medically Necessary or are not furnished by and under supervision of a Physician.
  3. 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.
  4. Expenses in excess of UCR.
  5. Intentional self-inflicted injuries while sane or insane.
  6. Treatment for alcoholism, drug addiction, allergies, and/or Mental or Nervous Disorders and all related symptoms and side effects.
  7. Rest cures, quarantine or isolation.
  8. Cosmetic surgery unless necessitated by an accidental Injury.
  9. Dental exams, dental x-rays and general dental care except as a result of an accidental Injury.
  10. Eye glasses or eye examinations.
  11. Hearing aids or hearing examinations.
  12. General or routine examinations.
  13. Injuries sustained from participation in Hazardous Sports or Activities.*
  14. Pregnancy and pregnancy-related conditions including but not limited to fertility, pre-natal care, childbirth, miscarriage, abortion or postpartum conditions.
  15. Injuries or Illnesses due to War or any act of War whether declared or undeclared.*
  16. Injuries or Illnesses due to Terrorism or an Act of Terrorism whether declared or undeclared.*
  17. 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).
  18. Injuries or Illnesses sustained while committing a criminal or felonious act.
  19. Expenses incurred for or resulting from pain which is not supported by medical diagnosis.
  20. Cataract surgery.
  21. Any elective surgery, including but not limited to complications of previous elective or cosmetic surgeries.
  22. Custodial Care.
  23. Expenses for supplies and services that were not incurred with in the specified Geographic Area.
  24. Pre-existing conditions.
  25. Racing of any kind, all professional or semi-professional sports, and collegiate, sponsored, or interscholastic athletics.**

* 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.


** 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. Please note this exclusion cannot be removed with the online enrollment.


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.


FOR ADDITIONAL INFORMATION:
Insubuy®  Inc.
4700 Dexter Dr.
Suite 100
Plano TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470

Web site:insubuy.com

International Major Medical - 11-01-2016