TravelGap China Benefits
| Medical Benefits | |
|---|---|
| Maximum Benefit per Insured Person per policy period | $1,000,000 |
| Deductible per Insured Person per policy period | $0 |
| 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, radiation therapy, 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% |
| Ambulance Service (non Medical Evacuation) | 100% up to $1000 |
| Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor) | Maximum Benefit up to $10,000 |
| Outside the U.S. Outpatient prescription drugs | 100% of Covered Expenses |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $500 maximum per Trip Period and $250 per tooth |
| Dental Care for Relief of Pain | 100% of Covered Expenses up to $500 maximum per Trip Period and $250 per tooth |
| Other Benefits | |
| Accidental Death and Dismemberment | Maximum Benefit Principal Sum up to $50,000 |
| Repatriation Of Remains | Maximum Benefit up to $25,000 |
| Medical Evacuation | Maximum Benefit per Trip Period for all Evacuations up to $500,000 |
| Bedside Visit | Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person |
Services provided in addition to the benefits above
All participants covered by this insurance plan are enrolled in the Global Citizens Association whose members are entitled to a $50 allowance to cover costs associated with each of the following incidents:
- Lost passport
- Lost airline ticket
- Lost piece of luggage
- Change of airline ticket if trip is interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety
HTH Global Health and Safety Services
- Access to contracted doctors in China
- Access to worldwide security information in China
- Access to Drug Translation Guide
- Health and security news alerts
- View More Details
24 Hour/ 7 Day Global Medical Assistance
Available to U.S. residents, age 84 or younger, who live in approved states. See Eligibility Requirements.
This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new Deductible, and Medical Limit would apply.
For more information about the benefits, including information about exclusions, limitations and State to State variation in benefits, see the Plan Description.
Please note: you can only purchase this policy prior to departing on your trip. Exceptions to this rule: if you have purchased a policy prior to departure and would like to extend the current plan or would like to enroll in a subsequent policy. The latter is permitted if you have been overseas for longer than 6 months. Please note: if you enroll in a subsequent policy, a new deductible and medical limit will apply.
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 TravelGap China Product, simply return your ID Card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip before the date of your letter, you will receive a full refund.