International Major Medical PIU
Comprehensive Coverage, Rated A (Excellent)By: Peterson, UW: Lloyd'sLloyd's of London
- AM Best Rating
- A (Excellent)
- Administrator/Underwriter
- PIU
Lloyd's of London
In Network
After deductible, the plan pays 100% up to the policy maximum.
COVID-19 Excluded
PPO
First Health Network
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 10 days to 11 months
- Coverage duration options up to 11 months
- Not available for address in these U.S states/territories: Guam, Maryland, New York, South Dakota
International Major Medical Insurance offers travel health insurance coverage and emergency medical services to visitors, family members and individuals traveling outside their home countries.
Note: The International Major Medical Plan is not available in the following states: Maryland, New York, South Dakota
Please review International Major Medical Insurance Brochure
or Description of Coverage (policy document) for complete and accurate coverage and exclusions. Out-Patient
Dr. / Physician Visit
The plan pays 100% to the selected maximum.
Surgical Treatment
The plan pays 100% to the selected maximum.
Prescription Drugs / Medicines
The plan pays 100% to the selected maximum.
Lab & X-rays
The plan pays 100% to the selected maximum.
Physical Therapy
The plan pays 100% to the selected maximum.
In-Patient
Hospital Room
The plan pays 100% to the selected maximum.
Surgical Treatment
The plan pays 100% to the selected maximum.
Hospital Intensive Care Unit
The plan pays 100% to the selected maximum.
Emergency Services
Ambulance Expenses
The plan pays 100% to the selected maximum.
Emergency Room(ER)
The plan pays 100% to the selected maximum.
Dental
Acute, spontaneous and unexpected pain
Not covered
Accidental emergency
Not covered
Travel
Emergency Medical Evacuation / Repatriation
$250,000
Return of Remains
Up to $250,000
Emergency Reunion
$5,000 Lifetime Maximum
Return of minor Child(ren)
Not Covered
Trip Interruption
No coverage for Trip Interruption. But Provides coverage for Trip Cancellation Benefit subject to certain conditions. (Please see policy details )
Loss of checked Baggage
Up to max $500
Life
AD&D
$25,000
Common Carrier Accidental Death
$25,000
Other
Hazardous Sports Coverage
Coverage available
Pre-Existing Conditions
Not covered
Maternity
Not covered
General Physical full Checkup
Not covered
Terrorism Coverage
Optional Coverage Available
Brochure
Support
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
Plan Administrator Company
PIU
Carrier / Underwriter
Lloyd's of London
AM Best Rating
A (Excellent)
Eligibility
Available for non-US citizens between 14 days and 84 years of age
Plan Type
Comprehensive Plan
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
No Co-pay
Co-Insurance
After the Insured pays the deductible, the plan pays 100% to the selected maximum.
How the Benefits are Paid
After the deductible plan pays 100% to the selected maximum.
Coverage Type
Life Time of the policy
Deductible Type
Per Certificate Period
Renewability
Not Extendable
Cancellation
Not Cancelable after policy becomes effective. Full refund available if cancelled before start date. cancellation fee may apply. After effective date NO REFUND
PPO Network
First Health Network
Coverage Length
Up to 6 months
Available Deductibles
Age 0-69 :$100, $250, $500,$1,000, $2,500 or$5,000
Age 70-79 : $1,000, $2,500 or $5,000
Age 80-84 :$2,500 or $5,000
Available Coverage
Age 0-69 up to $1,000,000
Age 70-74 up to $500,000
Age 75-79 up to $250,000
Age 80-84 up to $100,000
Provider Directory
Toll Free: 800-345-8816 Phone: 661-254-0006 Fax: 661-254-0604
Plan Brochure
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States Restrictions
Restricted States: Maryland, New York and South Dakota are restricted for a correspondence address
Country Restrictions
No restriction. Only requirement is to provide a US address while purchasing the policy
International Major Medical Insurance FAQs | |
| Q1: Who is Eligible for the International Major Medical Insurance?
| |
| Q2: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for International Major Medical, which is the FirstHealth PPO Network. | |
| Q3: How will I receive my ID card? | |
| Q4: How long can I purchase this insurance for? | |
| Q5: How do I buy this insurance? | |
| Q6: How do I use this insurance? | |
| Q7: How do I file a claim?
All receipts must contain legible information to determine the name and address the Provider; the diagnosis; the treatment rendered; the date of service; and the payment made to Provider. In addition, Underwriters reserve the right to verify Your proof of loss by obtaining any or all necessary medical records or other necessary information from other sources. This will be obtained at Underwriter's expense. | |
| 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? | |
| Q9: I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy? | |
| Q10. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
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.
