Visitors Care® Insurance is a Low-Cost Insurance with Limited scheduled of benefits, which has life time benefit limits for non-US citizens traveling outside their home country. Visitors Care® offers benefit maximums of $25,000, $50,000 or $100,000 for the life of the plan with various deductible options such as $0, $50 or $100. Visitors Coverage is 100% of the covered amount as per Scheduled of Benefits The Visitors Care® insurance plan will be covered in USA/Worldwide,as long as they are outside their country of citizenship. The overseas travel health insurance plans are administered by International Medical Group (IMG) and underwritten by Sirius International Insurance Corporation. The Visitors Care® plan offers 24-hour assistance from a multilingual, international customer service center, which can handle transactions in any language and work with any type of currency. If the policy holder becomes hurt or ill when he is away from home, qualified professionals at the Customer Service Center can help him locate excellent medical care through the 17,000 providers in Visitors Care® International Providers Access (IPA) system. However, it is not necessary to use the medical providers in the IPA system but this service is available if needed.
The plan is renewable (without break in coverage) for 5 days up to 12 months and up to a maximum total of 24 continuous months. For each renewal, you will be charged a fee of $5 in addition to the premium costs.
International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Don’t let your medical coverage be an uncertainty. Travel with one of IMG’s Travel Medical Insurance® plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.
The plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan, and a choice of deductibles of US$0, US$50, or US$100 applied per period of coverage. When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans.
|OPTIONAL PRE-EXISTING CONDITION RIDER: (Heart Care Plus Rider)|
|0-69||Up to $5,000|
|70+||Up to $2,500|
In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum of $5,000 for ages 0 - 69 and up to $2,500 for ages 70+.
| MEDICAL BENEFITS
Usual, reasonable and customary charges, subject to deductible where applicable
|Medical Benefits||Plan A - $25,000 maximum benefit per life of plan||Plan B - $50,000 maximum
benefit per life of plan
|Plan C - $100,000 maximum benefit per life of plan|
|Hospital room & board||Up to US$825 per day, 30 day maximum per period of coverage||Up to US$1,400 per day, 30 day maximum per period of coverage||Up to US$1,950 per day, 30 day maximum per period of coverage|
|Intensive Care||Up to an additional $400 per day, 8 day maximum per period of coverage||Up to an additional $660 per day, 8 day maximum per period of coverage||Up to an additional $850 per day, 8 day maximum per period of coverage|
|Surgical Treatment||Up to $2,000 per surgical session||Up to $3,300 per surgical session||Up to $5,500 per surgical session|
|Consult physician||Up to $350 per period of coverage||Up to $450 per period of coverage||Up to $500 per period of coverage|
|Pre-admission tests||Up to $750 per period of coverage||Up to $1,100 per period of coverage||Up to $1,100 per period of coverage|
|Private duty nurse||Up to $400 per period of coverage||Up to $550 per period of coverage||Up to $550 per period of coverage|
|Physician visits||Up to $40 per visit, 30 visits per period of coverage||Up to $55 per visit, 30 visits per period of coverage||Up to $85 per visit, 30 visits per period of coverage|
|Surgical treatment||Up to $2,000 per surgical session||Up to $3,300 per surgical session||Up to $5,500 per surgical session|
|Surgical facility fee||Up to $750 per surgical session||Up to $900 per surgical session||Up to $1,000 per surgical session|
|Diagnostic x-ray & lab||Up to $650 per period of coverage, ($325 per procedure)||Up to $800 per period of coverage, ($325 per procedure)||Up to $950 per period of coverage, ($325 per procedure)|
|Hospital emergency room||Up to $200 per visit||Up to 75% of URC to $330 per visit||Up to 75% of URC to $550 per visit|
|Prescription drugs||Up to $150 per period of coverage||Up to $250 per period of coverage||Up to $250 per period of coverage|
|Physician visits||Up to $50 per visit, 10 visits per period of coverage||Up to $55 per visit, 10 visits per period of coverage||Up to $85 per visit, 10 visits per period of coverage|
|Miscellaneous Inpatient & Outpatient Services|
|Anesthetist||Up to $450 per surgical session||Up to $825 per surgical session||Up to $1,375 per surgical session|
|Assistant surgeon||Up to $450 per surgical session||Up to $825 per surgical session||Up to $1,375 per surgical session|
|Local ambulance||Up to $250 per period of coverage||Up to $450 per period of coverage||Up to $450 per period of coverage|
|Dental for accident to sound natural teeth||Up to $350 per period of coverage||Up to $550 per period of coverage||Up to $550 per period of coverage|
|Physical therapy||Up to $25 per visit per day, 12 visits per period of coverage||Up to $40 per visit per day, 12 visits per period of coverage||Up to $40 per visit per day, 12 visits per period of coverage|
|Extended care facility||Up to $150 per day, 15 day maximum per period of coverage||Up to $200 per day, 15 day maximum per period of coverage||Up to $250 per day, 15 day maximum per period of coverage|
The period of coverage is the period of time for which premium has been timely paid. At each renewal, a new period of coverage will begin.
|INTERNATIONAL EMERGENCY CARE|
|Emergency Evacuation|| Plan A: Up to $25,000 and Plan B & C: Up to $50,000 when coordinated through IMG
(not to exceed plan maximum)
The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable travel and accommodations resulting from the evacuation, which must be approved and coordinated in advance.
|Return of Mortal Remains or Cremation/Burial||Up to $7,500 for Return of Mortal Remains or $5,000 for Cremation/Burial|
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered, up to a maximum of $7,500; or up to $5,000 for the preparation, local burial or cremation of your mortal remains at the place of death. These must be approved and coordinated in advance through IMG.
|Home Country Coverage||As described below|
Incidental Home Country Coverage - During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total, and retain continuing coverage during such visit(s), subject to: 1) The insured person must have left their home country, 2) The total Period of Coverage must be for a minimum of 30 days, and 3) The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
|Common Carrier Accidental Death||US$25,000 to Beneficiary|
If accidental death should occur while traveling on a commercial common carrier during the period of coverage, US$25,000 will be paid to the designated beneficiary.
|Renewal Of Coverage|
If your Visitors Care® plan is purchased for a minimum of five days, coverage may be renewed (unless there is a break in coverage) for a total of up to two years. Renewals are available in whole month or daily increments and may be completed online. For each renewal you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12 month coverage period. Please note: Renewal rates may differ from initial rates.
Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the Patient Protection and Affordable Care Act (PPACA).
PLEASE NOTE : This web page contains only a consolidated and summary description of all current Visitors Care® benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverages and benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care® plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.