WorldMed - International Travel Insurance

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While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All 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.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All 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.

The information below is an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on this information.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All 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.

General

WorldMed - Excluding US
Comprehensive
自付额后,保险支付100%至最高保额。

Medical - Outpatient

至最高保额
包括虚拟医生访问。
至最高保额
至最高保额
至最高保额, 每次提供60天处方药。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
-

Medical - Inpatient

至最高保额,普通双人病房包括护理服务。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
至最高保额
至最高保额

Medical - Other Treatment And Services

90天
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准轮椅租赁不超过购买价格
每次事故自付额 $50, 最多 $150 (保险自付额免除)
休闲:包括。可选危险运动或学院/校际体育
当生病或受伤导致住院,至最高保额。
仅限前26周妊娠并发症。
-
至最高保额 医生必须提前医嘱。
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
仅限原有疾病,60岁以下: $200,000; 60-64: $20,000。
-
包括

Dental

$200-无需免赔额或共同保险
$2,000

Travel

-
$10,000
-
每件$50,最多$1,000
$50,000
$100,000 最多15天
$1,000,000
$50,000
$2,500
$100
-

Life

18岁以下:5000美元，18-64岁:50000美元;每个家庭或团体最高25万美元。可选: 最高至$100,000。 不包括心肌梗死或脑血管意外(CVA /中风)。
18岁以下:5000美元，18-64岁:50000美元;每个家庭或团体最高25万美元。可选: 最高至$100,000。 不包括心肌梗死或脑血管意外(CVA /中风)。

Other

包括
附带:每连续承保3个月15天(常居国是美国); 每连续承保3个月30天(常居国非美国)
每天$100,最多5天
-
每天$100,最多5天
$50,000
包括

Plan Features

不可以
保险生效前, 全额退款。 保险生效后, 只要无任何理赔记录可按比例退款并减去$25取消费。
最少5天至最多364天
$5
$0
政乱转移: $50,000 个人责任:$10,000(相关的第三方财产不超过$2,500)。 危机相应: $100,000 和$10,000 自然灾害转移。
电子邮件
每个保单期间
$0 Up to 64
$250 Up to 64
$500 Up to 64
$1,000 Up to 64
$2,500 Up to 64
终身最高保额
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
Lloyd's
A "Excellent"

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Quotes & Purchase
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • 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.

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