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Meridian Essential - Worldwide including US and Canada

Purchase

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.

General

Meridian Essential - Worldwide including US and Canada
Comprehensive
Worldwide
$5,000,000 Lifetime
After deductible, you pay 20% of the first $5,000 of eligible expenses, rest covered at 100% up to policy maximum. Coinsurance waived when using PPO. Outside U.S. / Canada: After deductible, plan pays 100% to policy maximum

Medical - Outpatient

To policy maximum
To policy maximum
To policy maximum
728 day waiting period. $40 per day, $10,000 maximum, $25,000 lifetime.
-
To policy maximum $350 copay.
To policy maximum, maximum of 90 days per prescription. Subject to 20% Co-pay in the US.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.

Medical - Inpatient

Average semi-private room rate, to policy maximum.
$4,500 per day, maximum of 30 consecutive days.
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.
To policy maximum

Medical - Other Treatment And Services

-
To policy maximum
To policy maximum
Optional
$1,500 per covered event Illness or Injury must result in hospital admission.
728 day waiting period. $40 per day, $10,000 maximum, $25,000 lifetime.
$40 per day, $500 Sub-Limit per Coverage Period, $5,000 Maximum Sub-Limit.
None
$10,000 Sub-Limit per Coverage Period, $50,000 Maximum Sub-Limit (After 728 days of continuous coverage)
-
-
Transplants - no coverage if not pre-certified; All other - 50%
180 days
$500,000 lifetime
To policy maximum
-
To policy maximum
To policy maximum
Terminally Ill - 6 months to live, to policy maximum.
Excluded

Maternity Coverage

-
-
-

Dental

Optional
$500 per Coverage Period

Wellness

180 day waiting period. $250 per period for ages 25 and over.
90 day waiting period. $175 per period for ages 18 and under.

Travel

$7,500, maximum of 15 days; $25 per day meal maximum.
$50,000; $25,000 for ages 65 and older
$25,000
-

Life

-
-
-

Alternative Medicine

-
-
-
-
-
-

Other

-
-

Plan Features

Before effective date, full refund. After effective date, short rate refund as long as there are no claims filed since the effective date. There is a $25 cancellation fee.
$0
$0
-
$250 Up to 69
$500 Up to 69
$1,000 Up to 69
$2,500 Up to 69
$5,000 Up to 69
$10,000 Up to 69
Azimuth Risk Solutions
Lloyd's

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  • URC - Usual, Reasonable and Customary Charges.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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