The selected deductible applies per person, per policy year with a maximum of two deductibles per coverage period. The coinsurance applies out of the country of residence after the insured person has met their deductible and shall be 10% of the next $10,000 (maximum of $1,000) of eligible benefits incurred.

Elimination of deductible towards the in-patient benefits in the country of residence for policies that have a deductible of $250 - $ 2,500 for admitted emergency hospitalizations or admitted surgical hospitalization procedures including when the Insured is admitted for less than 24 hours in the hospital

Worldwide
Freedom to choose any doctor or medical facility anywhere in the world.

Within the United States
Access to PHCS provider network, part of MultiPlan company one of the largest healthcare networks in the United States, which includes 4,100 hospitals and 550,00 practioners and specialists.

Coverage is immediate for accidents and infectious diseases with a 90 day waiting period for treatment of any other condition. The 90 day waiting period may only be waived at time of application at the administrator's discretion with proof of existing international health insurance in force for the past twelve consecutive months

Accidental Death is a benefit available for all policy insured. It protects loved ones and offers peace of mind in the event an insured perishes in an accident. Benefit for Primary Insured of $10,000, Spouse $5,000 and Children $2,500.

Optional benefit available for Primary insured and spouse. AD&D insurance protects you and your loved ones if you are seriously injured or perish in an accident. AD&D provides vital support in the event of an accident to help cover expenses of your choice.

Renewals are guaranteed for life of the policy. There is no maximum age for coverage as long as the policy is renewed.

One call to our 24-hour emergency call center provides you with immediate access to knowledgeable, reliable medical advice and assistance 24 hours a day, 7 days a week worldwide. This service is provided by GMMI/ Europ Assistance, wholly owned by Generali Group.