DLT

Diplomat Long Term

Underwriter: United States Fire Insurance Company
Policy info
Plan Administrator: Global Underwriters
Carrier: United States Fire Insurance Company
AM Best Rating: A(Excellent)

Diplomat Long Term Insurance is a comprehensive coverage travel medical insurance plan.Unlike schedule plan, this insurance covers expenses at the limit of maximum coverage, with applicable co-insurance and deductible.

Please review Diplomat Long Term Insurance Brochure brochure or policy document for complete and accurate coverage information.

Here is a complete list of benefits of Diplomat Long Term
Dr. / Physician Visit
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Surgical Treatment
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Prescription Drugs / Medicines
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Lab & X-rays
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Hospital Room
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Surgical Treatment
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Hospital Intensive Care Unit
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Drug/Alcohol Abuse
Not Covered
Ambulance Expenses
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Emergency Room(ER)
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max. Extra $250 deductible applies for every ER visit for sickness, that does not lead to hospitalization within 12 hours
Acute, spontaneous and unexpected pain
Up to $100
Accidental emergency
After the deductible, plan pays 80% for the first $5,000 and then 100% up to policy max
Emergency Medical Evacuation / Repatriation
Up to $500,000
Return of Remains
Up to $50,000
Emergency Reunion
Up to $50,000
Return of minor Child(ren)
Up to $50,000
Trip Interruption
Up to $5,000
Loss of checked Baggage
$50 per item, up to $250
AD&D
$250,000 maximum benefit for any one family or group

Members under age 18:
Lifetime maximum: $5,000
Death: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500

Members age 18—69:
Lifetime maximum: $100,000
Death: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000

Members age 70—74:
Lifetime maximum: $12,500
Death: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250

Members age 75 and older:
Lifetime maximum: $6,250
Death: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125

Not subject to deductible, coinsurance, or overall maximum limit.
Common Carrier Accidental Death
Members under age 18: $25,000
Members age 18—69: $50,000
Members age 70—74: $12,500
Members age 75 and older: $6,250

Subject to a maximum of $250,000 any one family or group. Not subject to deductible, coinsurance, or overall maximum limit.
Cataract Surgery
Not Covered
Cancer
Not Covered
Cardiac
Not Covered
Mental Illness
Not Covered
Alzheimer's Desease
Not Covered
Hazardous Sports Coverage
Not Covered
Pre-Existing Conditions
Acute onset of pre-existing conditions covered up to policy maximum
Maternity
Not Covered
24-Hrs Emergency Assistance
Yes. Contact Number and details can be found on the ID card.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.