Benefit Schedule

Medical Benefits	Essential	Choice
Maximum International Benefits per Insured Person per policy period	$500,000*	$1,000,000*
*For Individuals aged 70 - 95, the Maximum International Medical Benefit for Multi-Trip Preferred is $100,000.
Deductible per Insured Person per policy period*	$200	$100
*Deductible waived for physician and hospital services delivered by our International Healthcare Community Providers.
After the Deductible is satisfied, benefits are paid for Covered Expenses as follows up to the Medical Limit:
Benefits	Insurer Pays After Medical Benefit Deductible is Paid
Professional Services:
a. Surgery, anesthesia, in-hospital doctor visits, diagnostic X-ray and lab	100%
b. Office Visits: including X-rays and lab work billed by the attending physician.	100%
Inpatient Hospital Services:
a. Surgery, X-rays, In-hospital doctor visits	100%
b. In-patient medical emergency	100%
Ambulatory Surgical Center	100%
Outside the U.S. Outpatient prescription drugs	100% of Covered Expenses
Dental Care required due to an Injury	100% of Covered Expenses up to $200 maximum per Trip Period
Other Benefits	Insurer Pays Without a Deductible Being Applicable
	Essential	Choice
Accidental Death And Dismemberment	$0	$25,000
Repatriation Of Remains	$15,000	$25,000
Medical Evacuation	$250,000	$500,000
Bedside Visit	Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip airfare ticket to the place of the Hospital Confinement for one (1) person

Services provided in addition to the benefits above

Global Health and Safety Services

• Access to our global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 190 countries
• Detailed provider profiles
• Appointment scheduling
• Direct Pay to providers
• Health and security news alerts

24 Hour/ 7 Day Global Medical Assistance

Eligibility

Available to U.S. residents, age 95 or younger. Individuals aged 70-95 are eligible only for a $100,000 medical limit. See Eligibility Requirements.

Covers all international trips (up to 70 days duration per trip) in a 12 month period. Participants must be enrolled in a Primary Health Plan. There is no pre-existing condition exclusion.

The benefits outlined in the table show the payment percentages for Covered Expenses AFTER the Insured Person has satisfied any Deductibles and prior to satisfaction of his/her Out-of-Pocket. Covered Expenses are based on Reasonable Charges which may be less than actual billed charges. Providers can bill the Insured Person for amounts exceeding Covered Expenses.

Please note: you can only purchase this policy prior to departing on your trip.

Ten Day Money-Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate or Policy of Insurance and Description of Emergency Medical Evacuation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on your trip or incurred a claim, you will receive a full refund. (Guarantee not available in WA)