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Comprehensive Plans

Comprehensive Coverage Plans

Shopping for good health insurance can be confusing. It's tough trying to decide what type of policy offers the best coverage for the price. The insurance industry has its own jargon, and "comprehensive medical insurance" is one such term. To make informed decisions, consumers need to know what this type of health insurance provides.

  • Better coverage without sub limit.
  • Covers serious Medical Expenses.
  • Less out of pocket expense.
  • Good for people who wants to take less risk.

Comprehensive health insurance pays a percentage of the cost of hospital and physician charges after a deductible (usually applies to hospital charges) or a co-pay (usually applies to physician charges.) is met by the insured. Not all comprehensive health insurance policies are the same.

Insurance Carriers
Plans & Benefits Available
Administrator : HCCMIS
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating :AA (Very Strong)
Administrator : Trawick International
Carrier/Underwriter : GBG Insurance Limited
AM Best Rating : B++
BBB Rating : Best's Issuer Credit Rating
  • Safe Travels U.S.A Cost Saver / Safe Travels U.S.A
    Comprehensive plan
    • Foreign nationals traveling to the U.S.A
    • $50,000 to $1,000,000 medical benefit options
    • $50,000 medical maximum benefits (Age 65 to 89 maximum)
    • Deductible options: $0, $50, $100, $250, $500, $1000, $2500 & $5000
    • Co-Insurance: 80% of the first $5,000, then 100% to policy maximum.
    • Any Dr or any hospital- NO PPO Network required
    • Coverage: 5 days to 1 year & renewal up to 2 yrs
  • SAFE TRAVELS U.S.A COMPREHENSIVE
    Comprehensive plan – covers Acute onset of Pre-Existing Condition
    • Comprehensive plan for Foreign nationals visiting U.S.A
    • Acute Onset of Pre-existing Condition(s) - for Medical Expense Benefits
    • $50,000 to $1,000,000 medical benefit based on age.
    • Deductible options: $0, $50, $100, $250, $500, $1000, $2500 & $5000
    • Co-Insurance: 80% of the first $5,000, then 100% to policy maximum.
Administrator : AzimuthSM Risk Solutions
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : AA (Very Strong)
  • The Beacon Travel Series
    • Maximum Limits: $60,000, $110,000, $550,000, $1,100,000, or $2,000,000.
    • Deductible Options: $0, $100, $250, $500, $1,000 or $2,500 per coverage period.
    • Coverage of Sudden Onset of a Pre-existing Condition.
    • Return of Mortal Remains
    • Incidental Home Country Coverage
    • Optional Sports Rider
    • Minimum purchase of 5 days renewable up to 24 months
Administrator : Seven Corners
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A Excellent
BBB Rating : A+
  • Overseas Visitors InsuranceSM
    $35 Dr office co-pay / Urgent Care with three benefit options
  • LIAISON® INTERNATIONAL
    Comprehensive Plan - upto 45 days
    • Up to 6 months of coverage
    • Purchase within 6 months of arrival in the United States
    • Several benefit options from which to choose
    • Underwritten by Certain Underwriters at Lloyd's, London
  • LIAISON® CONTINENT
    Comprehensive Plan - upto 187 days
    • Must purchase within 3 months of arrival in the U.S.
    • Up to $1,000,000 in Medical Benefits
    • Emergency Evacuation, Repatriation, and 24-Hour Assistance Services
    • Pre-existing Condition waiver for U.S. citizens
    • Acute Onset of Pre-existing Condition benefit for foreign nationals
    • Under written by Certain Underwriters at Lloyd's, London and Tramont
    • Insurance Company Limited