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OverseasCare VisitorsInsurance Plan Low-Cost Schedule of Benefit Plan

OverseasCare Plan


OverseasCareTM VisitorsInsuranceTM Plan is a low cost Scheduled Benefits Accident and Sickness Medical Coverage for persons traveling to USA. Coverage can be purchased online for a minimum of five (5) days up to a maximum of one (2) years.

There are two plan options that are available: Basic & Premier. If you got involved in accident and if you are injured you can get medical care and our OverseasCareTM VisitorsInsuranceTM Plan Insurance will take care of you. Coverage includes Inpatient care, Outpatient Care, Ambulance, surgical expenses, prescriptions drugs and doctor's visit. It covers Acute Onset of a Pre existing Condition(s) for Medical Expenses. No matter which plan you choose, travel medical insurance is a must when planning a trip out of your home country.

The OverseasCareTM plan is underwritten by: Lloyd's, London. This largest, oldest and most respected insurance market . You will have the security of knowing that you are working with an insurer who has paid every eligible claim for more than 320 years. Lloyd's is rated 'A' by AM Best Company and Standard & Poor's for their superior ability to pay claims.

What you should know about overseas care insurance

If you are looking for travel insurance then you need to check out OverseasCare insurance, or overseas visitor health insurance. It is designed specifically to help US citizens who are traveling outside the country to get help, especially when it comes to medical insurance. ..

The OverseasCareTM Visitors InsuranceTM Plan Schedule of Benefits
BENEFITS BASIC COVERAGE
(Age 5 years to 79)
PREMIER COVERAGE
(Age 5 years to 79)
for AGE 80+
COVERAGE OPTION
Deductable Options $100, $250 or $500 $100, $250 or $500 $100, $250 or $500
Sudden onset of a Pre-existing Look Back - up to age 69
($25,00 Maximum Limit for Medical Evacuations)
$50,000 Maximum Limit $75,000 Maximum Limit No Coverage.
Pre-existing Condition/Pre-existing Look Back No Coverage/3 years No Coverage/2 years No Coverage/Permanent
INPATIENT Treatment $60,000 Maximum per Injury/Illness $110,000 Maximum per injury/illness $55,000 Maximum per injury/illness
Hospital Room & Board including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous Up to $1,500 per day, 30 day Maximum Up to $2,000 per day, 30 day Maximum Up to $1,000 per day, 30 day Maximum
Hospital Intensive Care Unit Up to $2,000 per day, 7 day Maximum
(including Hospital Room & Board)
Up to $2,500 per day, 7 day Maximum
(including Hospital Room & Board)
Up to $2,000 per day, 7 day Maximum
(including Hospital Room & Board)
Surgical Treatment Up to $3,500 Up to $6,000 Up to $2,000
Anesthesia Up to $1,000 Up to $1,500 Up to $400
Assistant Surgeon Up to $1,000 Up to $1,500 Up to $650
Physician’s Non-Surgical Visits Up to $60 per unit, 1 visit per day, 10 day Maximum Up to $80 per unit, 1 visit per day, 10 day Maximum Up to $50 per unit, 1 visit per day, 10 day Maximum
Consultant Physician, when requested by attending Physician Up to $450 Up to $500 Up to $350
Pre-Admission Tests within 7 days before Hospital admission Up to $1000 Up to $1,250 Up to $750
OUTPATIENT TREATMENT
Surgical Treatment Up to $3,500 Up to $6,000 Up to $2,000
Outpatient Surgical Facility Up to $500 Up to $1,500 Up to $400
Anesthesia Up to $1,000 Up to $1,500 Up to $400
Assistant Surgeon Up to $1,000 Up to $1,000 Up to $650
Physician's Non-Surgical/Urgent Care Visits Up to $60 per unit, 1 visit per day, 10 day Maximum Up to $40 per unit, 1 visit per day, 10 day Maximum Up to $50 per unit, 1 visit per day, 8 day Maximum
Diagnostic X-ray & Lab Services Up to $800 Up to $1,000 Up to $300
Scan, PAT, CAT & MRI Up to $500 Up to $500 Up to $250
Hospital Emergency Room Up to $300 Maximum (Additional $100 Deductible) Up to $400 Maximum (Additional $75 Deductible) Up to $300 Maximum (Additional $100 Deductible)
Prescription Drugs Up to $250 Up to $500 Up to $100
Day Surgery - related to a scheduled outpatient surgery at a Hospital or licensed outpatient surgery center; including the cost of operating room, anesthesia, drugs and medications and medical supplies. Up to $1,000 Up to $1,200 Up to $750
OTHER TREATMENT & SERVICES
Dental Treatment (injury ONLY ), Injury to Sound, Natural Teeth Up to $500 Up to $550 Up to $250
Ambulance Services Up to $500 (if admitted for overnight stay) Up to $750 (if admitted for overnight stay) Up to $400 (if admitted for overnight stay)
Emergency Evacuation Up to $30,000 Up to $50,500 Up to $10,000
Repatriation of Remains Up to $5,000 Up to $7,500 Up to $5,000
Physiotherapy Up to $25 per unit, per day, 10 visits Maximum Up to $50 per unit, per day, 10 visits Maximum Up to $25 per unit, per day, 10 visits Maximum
AD&D Principal Sum Up to $25,000 Common Carrier Up to $25,000 Common Carrier Up to $25,000 Common Carrier
TRAVEL RELATED COVERAGE
Loss of Passport Up to $100 Up to $150 Up to $100
Lost Checked Luggage - Commercial Carrier Up to $100 (secondary coverage ONLY) Up to $100 (secondary coverage ONLY) Up to $100 (secondary coverage ONLY)
Mental & Nervous Disorder/Substance Abuse No Coverage No Coverage No Coverage
Skin Disease No Coverage No Coverage No Coverage
Coverage - International Travel (excluding Participating Member's Home Country Yes Yes No Coverage
Coverage - Mexico and Canada (starting port must be based in US) Yes Yes No Coverage