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WorldMed

Your Solution for Health Care Costs Outside Your Home Country

15 Days to 364 Days

How WorldMedTM Outbound Insurance Works during International Travel (Outside the US)

First

You pay the deductible once per policy period, even for a visit to the doctor’s office.

Then

The plan pays 100% up to the selected plan maximum.

Overview

WorldMedTM Insurance offers comprehensive insurance coverage for international travel outside of the United States. WorldMed Outbound Insurance provides coverage anywhere outside the U.S. for U.S. Citizens and U.S. residents that are at least 14 days old through 69 years. The coverage duration can be as little as 5 days up to 364 days.

Travelers coming from the U.S. can easily get an instant quote and complete a purchase online using this web site. The soonest your policy can be effective is the next day; once you complete enrollment you will receive your ID card and other policy documents by email.

What is covered and not covered?

After the effective date of the policy repatriation, emergency evacuation, AD&D, loss of checked luggage, and new medical conditions, (such as injuries caused either by accidents or otherwise, or sicknesses) are some of the typically covered benefits. Expenses related to pre-existing conditions, routine care, immunizations or maternity will not be covered.

FAQ on Pre-Existing Conditions

Prescription drugs are covered for any eligible treatment of an Injury or Illness.

Coverage for dental treatment is included only for emergency relief of acute onset of pain, and damage to sound, natural teeth due to an accident.

Optional coverages such as Enhanced AD&D, Intercollegiate/Interscholastic Sports, and Hazardous Activities can be included at purchase. See details of optional coverage in the certificate wording or call us for assistance.

How do I use the insurance?

It may be necessary to pay for medical care at the time of treatment depending on the facility being used. If the medical facility requires you to pay upfront, you should submit a claim for reimbursement.

You can also search for international providers.

How much is covered?

First, you will have to pay your chosen deductible once per policy period (choose from $0, $250, $500 or $1,000) before the insurance company starts paying for covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for hospitalization. There is no concept of co-pay.

During travel outside the U.S., expenses are covered 100% up to the selected policy maximum, ranging from $500,000 to $1,000,000, after the deductible is met.

Example:

Let's assume that you have purchased a $500,000 policy maximum with a $500 deductible for 3 months.

  • Let's assume that the doctor charges you $250 for a visit and you need to visit several times.

    The first time you visit the doctor, you will have to pay all of that $250 yourself, the plan does not pay anything yet.

    The next time you visit the doctor he charges $300 for the visit, you will have to pay $250 yourself, the plan pays the remaining $50.

    For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 100% of the covered medical expenses up to $500,000.

  • Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $500 deductible and the insurance company will pay the rest.

6/20/2017

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 would not be 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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