- Coverage from 3 month to 3 years
- Comprehensive coverage plan, Best coverage for age 80 years+
- Travel / Inflight Coverage
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 or policy document for complete and accurate coverage information.
Here is a complete list of benefits of Diplomat Long Term
Members under age 18:
Lifetime maximum: $5,000
Loss of 2 limbs: $5,000
Loss of 1 limb: $2,500
Members age 18—69:
Lifetime maximum: $100,000
Loss of 2 limbs: $100,000
Loss of 1 limb: $50,000
Members age 70—74:
Lifetime maximum: $12,500
Loss of 2 limbs: $12,500
Loss of 1 limb: $6,250
Members age 75 and older:
Lifetime maximum: $6,250
Loss of 2 limbs: $6,250
Loss of 1 limb: $3,125
Not subject to deductible, coinsurance, or overall maximum limit.
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.
- US States Restrictions No Restriction
- Country Restrictions No Restriction
- The country where the covered person has his/her true, fixed, permanent home and principal establishment. For US citizens, the USA is considered your home country.
- Coverage in U.S.A. Percentage-based coverage
- Coverage outside U.S.A. Not Covered
Minimum 3 Months to 1 Year.
Extendable for total of 3 years
|Plan Administrator Company||Global Underwriters|
|Carrier / Underwriter||United States Fire Insurance Company|
|Eligibility||Can be purchased by non-United States citizens or any visa holder (e.g. L/H/B1, B2, etc.) traveling outside of their home country, including the USA on a legal status. Also available for US citizens travelling outside the USA|
|Plan Type||Comprehensive Coverage Plan|
|AM Best Rating||A+ (Excellent)|
|Coverage in U.S.A.||Percentage-based coverage|
|Coverage outside U.S.A.||Not Covered|
|Co-Insurance|| In the USA: 20% for the first $5,000 of accumulated expenses only. 100% covered there after up to the selected policy maximum. |
Outside USA: After deductible no co-insurance.
|How the Benefits are Paid|| In the USA: After the deductible, plan pays 80% for the first $5,000 and then 100% covered there after up to the selected policy maximum. |
Outside USA: After deductible plan pays 100% up to selected maximum
|Plan Effective Date|| Coverage can begin as the following: |
1. The depature date of your home country or after.
2. The day you request on the application.
|Plan End Date|| Coverage can terminate as the following: |
1. The date of your permanent return to your Home Country; or
2. The termination date shown on the enrollment form, for which premium has been paid; or
3. 36 months after your coverage effective date.
|Coverage Type||Lifetime of the policy|
|Deductible Type||Per policy period|
|Renewability|| Renewable with a $10 fee. |
For age 0-69: Up to 3 years.
For age 70-79: Up to 24 months
For age 80+: Up to 12 months
|Cancellation||Only before policy start date. Full refund available if cancelled before start date. A $25 cancellation fee applies. After effective date NO REFUND|
|PPO Network||No PPO network|
|Coverage Length|| Minimum 3 Months to 1 Year. |
Extendable for total of 3 years
|Available Deductibles||Choose From: $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000 per Policy Period or Annual.|
|Available Coverage|| Choose From: |
Plan A - $50,000
Plan B - $100,000
Plan C - $250,000
Plan D - $500,000
Plan E - $1,000,000
Ages 60 to 69: Limited to A, B, C
Ages 70 to 79: Limited to Plan A & B
Ages 80+: Limited to $20,000
|Provider Directory||No PPO Network|
|Plan Brochure||Diplomat Long Term Insurance Brochure|
|Home Country Definition||The country where the covered person has his/her true, fixed, permanent home and principal establishment. For US citizens, the USA is considered your home country.|
|US States Restrictions||No Restriction|
|Country Restrictions||No Restriction|
Diplomat Long Term Insurance FAQs
Q1: Which doctor or hospital can I go to?
Diplomat Long Term Insurance plan does not participate in any PPO network. You can visit any doctor or hospital.
Q2: Does this plan offer optional riders?
This plan offers athletic, sports and hazardous activity riders.
Q3: Does this plan cover pre-existing conditions?
This plan does not provide coverage for pre-existing conditions.
Q4: When will I receive my ID card?
You will receive and ID card with your confirmation e-mail once you purchase the plan. Depending on the policy length you may also receive and ID card to your mailing address within 5-10 business days.
Q5: How do I use this insurance?
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Q6: How do I file a claim?
Please refer to the following article concerning the claim process:
Q7: What information do I need to purchase this insurance?
Name(s), date(s) of birth, and passport number(s) of the visitor(s).
Q8: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?
Based on the desired coverage length you have selected, you have to make the full payment at once.
Q9: Where can I find answers to other questions I have?
Please refer to Visitors Insurance FAQs section.