WorldMed - Visitor Medical Insurance

Quotes & Purchase
Paper Application

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 - Including US
Comprehensive
Fuera de la red PPO: Después del deducible, el plan paga el 100% hasta el máximo de la póliza. Fuera de la red PPO: Después del deducible, el plan paga lo usual y razonable hasta el máximo de la póliza.

Medical - Outpatient

Al máximo de póliza
Visita médica virtual incluida.
EEUU - Centro de urgencias: Deducible no aplica. Copago de $25; a menos que sea deducible de $0. Coaseguro aún aplica.
Al máximo de póliza En Estados Unidos copago adicional de $250 si visita a la sala de emergencia no resulta en admisión hospitalaria directa.
Al máximo de póliza, suministro de 60 días por receta.
Al máximo de póliza
Al máximo de póliza
Al máximo de póliza
20% de cargo del cirujano primario. Sin cobertura de disponibilidad en espera.
Al máximo de póliza
-

Medical - Inpatient

Al máximo de póliza, cuarto semi-privado promedio que incluye servicios de enfermería.
Al máximo de póliza
Al máximo de póliza
Al máximo de póliza
20% de cargo del cirujano primario. Sin cobertura de disponibilidad en espera.
Al máximo de póliza
Al máximo de póliza
Al máximo de póliza

Medical - Other Treatment And Services

90 días
Igual que cualquier otro gasto médico elegible
Cama básica estándar de hospital y/o alquiler de silla de ruedas estándar hasta los precios de compra
Deducible de $50 por incidente, máximo $150 (deducible del plan no aplica)
Recreativo: Incluido. Actividades peligrosas opcionales o deportes intercolegiales/escolásticos
Al máximo de póliza, si lesión/enfermedad cubierta resulta en hospitalización para pacientes internados.
Complicaciones del embarazo solamente, durante las primeras 26 semanas de embarazo.
-
Al máximo de póliza Debe solicitarse por adelantado por el médico.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
Inicio agudo solamente, para personas menores de 60 años: $200,000; 60-64: $20,000.
-
Incluido

Dental

$100 - No está sujeto al deducible o coaseguro
$1,000

Travel

-
$10,000
-
$50 por artículo, máximo de $500
$50,000
$100,000 máximo de 5 días
$1,000,000
$50,000
-
$100
$500

Life

Menos de 18: $5,000, edades 18-64: $50,000; máximo de $250,000 por familia o grupo. Opcional: hasta $100,000. Excluido por infarto de miocardio y derrame cerebral.
Menos de 18: $5,000, edades 18-64: $50,000; máximo de $250,000 por familia o grupo. Opcional: hasta $100,000. Excluido por infarto de miocardio y derrame cerebral.

Other

Incluido
Incidental: 30 días por 3 meses de cobertura continua.
$100 por día, máximo de 5 días
-
$250 por día, máximo de 5 días
$50,000
Incluido

Plan Features

No
Antes de la fecha de vigencia, reembolso total. Después de la fecha de vigencia, el reembolso prorrateado menos la tarifa de cancelación de $25 siempre y cuando no se hayan presentado reclamos desde la fecha de vigencia.
5 días mínimo hasta 364 días máximo
$5
$0
Evacuación política: $100,000 Responsabilidad civil: $10,000 (límite de $2,500 por propiedad de terceros relacionados). Respuesta a crisis: $100,000 con $10,000 por evacuación de desastres naturales.
Correo Electrónico
Por Período De Póliza
$0 Up to 64
$250 Up to 64
$500 Up to 64
$1,000 Up to 64
$2,500 Up to 64
Máximo De Por Vida
$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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