Q : Who is eligible to purchase WorldMed Inbound Insurance?

Individuals traveling or residing outside their home country or country of residence for up to 4 years may purchase WorldMed.

Q : I need coverage as soon as possible. Will my WorldMed Inbound Insurance policy go into effect the day I enroll?

No. However, your policy can go into effect as early as one day after you submit your Enrollment online.

Q : When I purchase with the online enrollment form, how will I know that you have accepted my enrollment form and payment?

You will receive the confirmation of purchase instantly and the ID card will be sent to your email right away.

Q : What are the three variations of the WorldMed plan: Plan A, B & Lite?

WorldMed Plans A and B are designed for those who want more complete coverage with high limit, combined Accident and Sickness Medical Expense benefits. Plan A covers up to $500,000 and Plan B covers up to $1Million. WorldMed Lite is a budget alternative, with lower limits and separate Accident and Sickness Medical Expense benefits; where $100,000 is covered for accidents and $5,000 for sickness. For persons ages 70 and over maximum coverage is limited to $100,000. For persons ages 80 and over maximum coverage is limited to $15,000.

Q : What is a deductible? Is the deductible per incident or per Confirmation?

The deductible is the amount that you, the Insured person, pay before the insurance begins to pay for covered medical expenses.

The WorldMed plan rates are based on per person annual deductibles. All WorldMed plans offer a choice of deductibles.

• WorldMed Plan A and B: $0, $50, $100, $250, $500, $1,000, $2,500 and $5,000
• WorldMed Lite: $250, $500, $1,000 and $2,500

One exception: there is a $75 per incident deductible on the WorldMed Lite Sickness Medical Expense coverage instead of the annual deductible selected at time of purchase.

Q : What out-of-pocket costs per person should I expect to pay for covered medical expenses?

WorldMed Plans A and B - You will be responsible for covered expenses up to the amount of your selected annual deductible, 20% of covered expenses up to $5000 annually, and expenses that exceed your selected Medical Expense benefit coverage limit.

WorldMed Lite Plan - When traveling outside the U.S.

• Sickness Medical Expense Coverage - You will be responsible for covered expenses up to the $75 per incident deductible, and any expenses that exceed the Sickness Medical Expense Limit of $5,000.
• Accident Medical Expense Coverage - You will be responsible for covered expenses up to the amount of your selected annual deductible, and any expenses that exceed $100,000 ($15,000, for travelers who are 80 years old or more).

WorldMed Lite Plan - When traveling within the U.S.

• Sickness Medical Expense Coverage - you will be responsible for covered expenses up to the $75 per incident deductible, 20% of covered expenses up to $5,000 annually, and any expenses that exceed the Sickness Medical Expense Limit of $5,000.
• Accident Medical Expense Coverage - You will be responsible for covered expenses up to the amount of your selected annual deductible, 20% of covered expenses up to $5,000 annually, and any expenses that exceed $100,000 ($15,000, for travelers who are 80 years old or more).

Q : Is there a network provider in my area?

Inbound: Traveling to the U.S.
Most likely. For a listing of MultiPlan providers in your area please visit www.multiplan.com, or phone them at 800-672-2140.
Outbound: Traveling Outside the U.S.
Outside the U.S., WorldMed does not use a Preferred Provider Network. The Emergency Assistance Company can help you locate a doctor or hospital.

Q : Does WorldMed Inbound Insurance cover pre-existing conditions?

No. A Pre-Existing Condition is defined as, any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance.

Q : Is it safe to purchase WorldMed Insurance online?

Yes. We work closely with our programmers to keep our forms in a highly secure ordering environment so you can enroll in our travel insurance plans with confidence. We use Secure Socket Layers (SSL), the industry standard in transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. When you are ready to enroll in one of our plans, you will move into the secure area of our site. A warning window may pop up to notify you that you are entering this "safe" area. Once you've entered, the beginning of the page address (URL) will change from http to https, to let you know you are in a secure area. Also, a key or a closed padlock icon will appear in the lower right corner of most browsers to notify you of this change. You will remain in this secure zone for the entire purchase process.

Q : Am I eligible for a partial refund if I return home before my policy expires?

No. After the effective date of coverage, the Insurance Company considers the premium fully earned and non-refundable. (This is noted in the Enrollment Agreement when you purchase online.) Refunds are permitted only before coverage starts (see question #19).