WI

WorldMed Inbound

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
TIS
Lloyd's of London
1000%
In Network

After deductible, the plan pays 1000% up to the policy maximum.

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 12 months
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Urgent Care
  • Urgent Care
  • Cannot physically be located at the time of purchase: Maryland, New York, Washington, Canada or Australia
BUY

WorldMed Inbound Insurance is a international travel insurance plan that provides medical coverage and travel emergency services to folks and families traveling outside their home country. After the deductible is satisfied, the plan pays 90% for the first $10,000 and then 100% thereafter towards eligible covered expenses for each sickness or injury.

Please review WorldMed Inbound Insurance Brochure brochure or policy document for complete and accurate coverage information.

Out-Patient

Dr. / Physician Visit

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Urgent Care

$50 copay, after which coinsurance will apply. The $50 copay is waived for those who selected a $0 deductible.

Surgical Treatment

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Prescription Drugs / Medicines

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Lab & X-rays

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Physical Therapy

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

In-Patient

Hospital Room

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Surgical Treatment

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Hospital Intensive Care Unit

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Emergency Services

Ambulance Expenses

In-Network: plan pays 100% of eligible expenses, after the deductible, to the overall maximum limit.
Out-of-Network: Usual, reasonable and customary. You may be responsible for any charges exceeding the payable amount.

Emergency Room(ER)

Extra $250 Co-pay applies for sickness that does not lead to direct hospitalization. After the deductible, plan pays 100% up to the policy max in the Network. Out of network, it covers up to URC

Dental

Acute, spontaneous and unexpected pain

$100

Accidental emergency

Up to $1,000

Travel

Emergency Medical Evacuation / Repatriation

Up to $250,000

Return of Remains

Up to $50,000

Emergency Reunion

Up to $15,000

Return of minor Child(ren)

$50,000

Trip Interruption

Up to $5,000

Loss of checked Baggage

Up to $500

Life

AD&D

Up to $50,000
Optional Buy ups available

Common Carrier Accidental Death

up to $50,000

Other

Pre-Existing Conditions

For age up to 64 Acute onset of pre-existing condition covered up to $20,000 and age 65 and over up to $2,500

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

Up to $50,000

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Plan Administrator Company

TIS

Carrier / Underwriter

Lloyd's of London

Eligibility

WorldMed Inbound covers non-U.S. citizens who are traveling outside of their home country, and at least one of their destination countries is the U.S.

Plan Type

Comprehensive Coverage Plan
Percentage based coverage.

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Co-pay

Co-Insurance

90% for the first $10,000 of accumulated expenses only.
100% covered thereafter up to the policy maximum.

How the Benefits are Paid

After the deductible, plan pays 90% for the first $10,000 of accumulated expenses; then plan pays 100% to the selected policy maximum.

Coverage Type

Lifetime of the policy

Deductible Type

Once Annually or Per Policy Period.

Renewability

Not Renewable

Cancellation

Full refund available if cancelled before start date. $25 cancellation fee applicable. After effective date NO REFUND

PPO Network

No PPO Network

Coverage Length

5 days to 364 days

Available Deductibles

Choose From: $0, $250, $500, $1,000

Available Coverage

Choose From:
Plan A: $500,000 ( For Sickness and injury)
Plan B: $1,000,000 ( For Sickness and Injury)

Provider Directory

By Provider, Phone Nos. : 888-647-3105 or 630-766-7731

Plan Brochure

WorldMed Insurance brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

Country Restrictions

No Restriction

WorldMed Inbound Insurance FAQs

Q1 : Who is eligible to purchase WorldMed Inbound Insurance?

Individuals traveling or residing outside their home country or country of residence may purchase WorldMed for up to 364 days of coverage.

Q2 : Am I eligible to purchase WorldMed if I have already left my home country (or country of residence)?

Yes. You may enroll in WorldMed regardless of how long you have been living or traveling outside your home country or country of residence.

Q3 : Will my WorldMed policy go into effect the day I enroll?I need coverage soon.

No. However, your policy can go into effect as early as one day after your Enrollment is received.

Q4 : Is it possible to renew my policy?

Worldmed Insurance cannot be renewed. However, if you anticipate staying outside of your home country and in a foreign country longer, you can purchase an additional Worldmed Insurance plan to begin at the end of your current plan.

Q5 : Will I be able to make changes to my policy?

You may make changes to your personal information at any time, such as: address, email address and/or phone number. If you would like to select a different plan, deductible or different Buy-Up Options, you will need to submit a new Enrollment.

Q6 : How will proof of insurance be sent to me?

Your receipt and Confirmation of Insurance will be emailed to you.

Q7 : If I need medical care, will I have to pay for my expenses at the time of treatment?

You may have to pay for medical care at the time of treatment depending on the medical facility being used. In the event that the medical facility requires payment up front, you can submit a claim for reimbursement, less your selected deductible and the co-insurance. While not a guarantee, payments for large expenses such as Emergency Medical Evacuations are typically coordinated and paid by the insurance company's Assistance Service.

Q : What is a deductible?

The deductible is the amount that you, the Insured person, pay before the insurance begins to pay for covered medical expenses. All WorldMed plans offer a choice of deductibles.

Q8 : May I choose any doctor or hospital if I need medical care?
Inbound: Traveling to the U.S.

Yes, you may go to your choice of provider in the U.S. However, the coinsurance will be waived for visitors to the U.S. if expenses are incurred within the PPO network. Click here to search for a care provider in the United States.
Outbound: Traveling Outside the U.S.
Yes, you may use any doctor or hospital when you need medical care. You may call the Emergency Assistance Company to help you locate a doctor or hospital. Click here to search for a care provide outside the United States.

Q9 : What is a beneficiary?

The Beneficiary is the person (or persons) who receives the Accidental Death benefit if the Insured dies in an accident while insured under the policy. The Insured will automatically be the Beneficiary for any insured spouse and children. Examples of beneficiaries include: your spouse, your children, your estate or your living trust.

Q10 : Does WorldMed cover pre-existing conditions?

Pre-existing conditions are not covered by the WorldMed Plan. However, the WorldMed Plan covers for an acute onset of pre-existing conditions for people up to 64 years of age, up to the $20,000. For people 65 & over it covers up to $2,500. See WorldMed's Description of Coverage for a complete list of exclusions.

Q11 : What is "Home Country Coverage"?

The Home Country Coverage Benefit provides limited coverage under
your Medical Expense Benefit while in your home country. For more details, please see the WorldMed Description of Coverage.

Q12 : If I decide not to take my trip, may I cancel my insurance and receive a refund of premium?

A cancellation and refund will be considered if requested in writing prior to your effective date of coverage. Any refunds are subject to a $25 processing fee. Please mail, fax or email a refund request to Travel Insurance Services.

Q13 : 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 considered only before coverage starts.

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.