Insubuy Insurance

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International Major Medical - Visitor Medical 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
International Major Medical
Co-insurance
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
Prescription drugs $500. Maximum supply of 90 days per prescription
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, 3 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
$25,000. Optional to policy maximum for under 60 years of age.
Local ambulance
To policy maximum, to and from a hospital within 100 miles in the same geographic area
To policy maximum
$25,000
-
-
To policy maximum
Not covered
-
None
None
Optional. To policy maximum or $250,000 whichever is lower.
Benefit period for continued treatment following termination date of policy
30 days from expiration date or date of discharge from hospital, whichever is earlier.
DENTAL
-
To Policy Maximum
TRAVEL
$250,000
$250,000
-
-
-
Maximum of $2,500, excess of $100 each and every loss
$5,000
$500
LIFE
$25,000 - Accidental death only.
$50,000 - Accidental death only
OTHER
Maximum 5 days for every month
Optional
-
-
-
-
PLAN FEATURES
Brochure
Paper Application
Certificate Wording
Renewable No
Cancellation policy Non refundable
multiples of days (min 1 day) - max 11 months
$0
$0
Help Help Help
Available deductibles
By Age
Per Policy Period
$100 Up to 69
$250 Up to 69
$500 Up to 69
$1,000 Up to 79
$2,500 Up to 84
$5,000 Up to 84
Policy maximum options
By Age
lifetime maximum
$50,000 Up to 84
$100,000 Up to 79
$250,000 Up to 74
$500,000 Up to 69
$1,000,000 Up to 69
Claims administrator Disability Management Services, Inc
Insurance company / Carrier / Underwriter Lloyds
A.M. Best rating A "Excellent"
 

  • *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.