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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 : Seven Corners
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A Excellent
BBB Rating : Accredited, A+
  • Overseas Visitors InsuranceSM
    $30 Dr. Office/Urgent Care co-pay with three co-insurance options
    • Physician Visits/Urgent Care: $30 co-pay
    • Deductible options: $100; $250; $500; $1,000; $2,500
    • United Healthcare National PPO network
    • Policy Maximums: $25,000 to $5,00,000 age up to age 69 & $100,000 for age 70-79
    • 3 Coinsurance Options including Plan A & C covers 90% up to first $5000 and thereafter 100% up to Policy max, Plan B covers 100% in PPO up to the policy max
    • Plan A & Plan B covers Acute Onset of an pre-existing condition up to age 79 and Plan C covers condition up to age 69
  • Liaison® Travel Medical Series
    Comprehensive Plan - 5 days to 3 Years
    • Offers 3 plans – Economy, Choice & Elite.
    • Liaison Economy & Choice can be purchased only up to 364days.
    • Liaison Elite can be purchased only up to 3 Years.
    • Plans pays 80% or 90% or 100% coverage based on chosen plan.
    • Acute Onset of a pre-existing condition benefits for Non US residents.
    • Underwritten by Lloyd’s, London* & Tramont Insurance Company Ltd.
Administrator : HCCMIS
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : Accredited, A+
  • Atlas Travel® Insurance
    100% coverage In PPO for US Visitors
    • Urgent Care/Walk-in Clinic $15 co-payment (Not subject to ded. Co-pay waived if $0 ded elected)
    • Deductibles are available from $0 to $5,000
    • $50,000 to $2,000,000 benefits age under 69 & Age 70 to 79 - $50,000, $100,000, or $250,000
    • Plan pays 100% after the deductible
    • Covers Acute onset of Preexisting condition for under age 80
    • 100% Prescription Drug Coverage after deductible
  • ATLAS ESSENTIAL INSURANCE
    Low cost Comprehensive Plan – In PPO 100% coverage
  • ATLAS PREMIUM INSURANCE
    High End Comprehensive Plan - In PPO 100% coverage
  • Atlas MultiTrip INSURANCE
    Annual plan for multiple trips of up to 30 or 45 days
Administrator : AzimuthSM Risk Solutions
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : Accredited, A+
  • 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 : Trawick International
Carrier/Underwriter : GBG Insurance Limited
AM Best Rating : B++
BBB Rating : Accredited, A+
  • 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: In Network: $0, Out of Network: $0 - $5000
    • 100% Coverage in PPO
    • 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: In Network: $0, Out of Network: $0 - $5000
    • 100% Coverage in PPO
Administrator : International Medical Group
Carrier/Underwriter : Sirius International
AM Best Rating : A Excellent
BBB Rating : Accredited, A+
  • Patriot America
    100% coverage In National PPO
    • Walk-in Clinic/Urgent Care co-pay $15/$25 (not subject to deductible)
    • Deductibles are available from $0 to $2500
    • Plan pays 100% after the deductible In PPO
    • Policy Maximums $50,000 to $1,000,000
  • Patriot America Plus (Covers Acute Onset Pre-Ex )
    100% Coverage In National PPO
    • Walk-in Clinic/Urgent Care co-pay $15/$25 (not subject to deductible)
    • Deductibles are available from $0 to $2500
    • Plan pays 100% after the deductible In PPO
    • Policy Maximums $50,000 to $1,000,000
    • Covers Acute onset of Preexisting condition under 70 years to maximum limit
    • $2,000,000 Policy Maximum for Age 70-79 Available
  • Patriot GoTravel America
    Excludes Emergency Evacuation & Repatriation
  • Patriot Platinum America
    100% Coverage & Offers Higher Policy Maximum
    • 100% Coverage & Offers Higher Policy Maximum
    • Policy Maximums $2,000,000 to $8,000,000
    • Deductibles are available from $0 to $25,000
    • Plan pays 100% after the deductible In PPO
    • $2,000,000 Policy Maximum for Age 70-79 Available
    • Covers Acute onset of Preexisting condition under 70 years to maximum limit