Coverage for travelers coming to the United States is available
through the Diplomat America. Coverage for up to 36 months
is available through the Diplomat LT. Customized coverage
can be obtained for groups of 5 or more. Brochures and rates
on these plans are available from your agent.
Coverage will begin on the latest of the following:
Coverage will end on the earlier of the following:
Refund of premium, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.
Only such expenses incurred as the result of and within 52 weeks from a Disablement, which shall mean an illness or an accidental bodily Injury necessitating medical treatment, and which are specifically enumerated in the following list of charges:
Policy Maximum Choices
Plan A - $50,000
Plan B - $100,000
Plan C - $500,000
Plan D - $1,000,000
Persons up to age 69 are eligible for all plans;
Persons age 70-79 are eligible for plans A and B;
Persons age 80+ are eligible for Plan A only.
$100, $250, $500, $1,000, $2,500 per person per policy period.
After you pay your selected deductible this plan will pay 100%
of Covered Expenses outside the USA and Canada up to the selected
policy maximum. Any Covered Expenses incurred in the USA and
Canada are paid at 80% of the first $5000 then 100% to the policy
maximum. Eligible expenses are based on Regular & Customary charges.
Emergency Medical Evacuation
The Company will pay benefits for Covered Expenses incurred for the necessary Emergency Medical Evacuation of an Insured Person up to a $100,000 maximum. Emergency Medical Evacuation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is Injured or Ill, to the nearest Hospital where appropriate medical treatment can be obtained; or b) after being treated at a local Hospital, the Insured Person's medical condition warrants transportation to his/her Home Country to obtain further medical treatment or to recover. Covered Expenses are expenses for the transportation, medical services and supplies recommended by the attending Physician and necessarily incurred, in connection with an Insured Person's Emergency Medical Evacuation. All transportation for an Insured Person's Emergency Medical Evacuation must be arranged by AIG Assist utilizing the most direct and economical conveyance.
In the event of an Emergency Medical Evacuation due to a covered
Injury or Illness, where the Physician feels that it would be beneficial
for the Insured to have a Family Member at their side during transport,
the Company will reimburse the Insured for travel and lodging expenses,
up to a maximum of $10,000.00. AIG Assist must make all arrangements
and must authorize all expenses in advance. The Company reserves
the right to determine the benefit payable, including reductions,
if it is not reasonably possible to contact AIG Assist in advance.
Repatriation of Remains Expenses
If Injury or Illness commencing during the period of coverage results in death, all reasonable expenses incurred for preparation and return of the remains to your Home Country are covered up to a maximum of $20,000. The Repatriation must be arranged by AIG Assist utilizing the most direct and economical conveyance.
No benefit shall be payable for any expenses or losses incurred for:
The term "Home Country" shall mean, the country where an eligible person(s) has his/her fixed and permanent home establishment and to which he/she has the intention of returning.
The term "Hospital" shall mean, a facility that: (1) is operated according to law for the care and treatment of Injured people; (2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis; (3) has 24 hour nursing service by registered nurses (R.N.'s); and (4) is supervised by one or more Physicians. A Hospital does not include: (1) a nursing, convalescent or geriatric unit of a Hospital when a patient is confined mainly to receive nursing care; (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the Hospital that is used for such purposes; or (3) any military or veterans Hospital or soldiers home or any Hospital contracted for or operated by any national government or government agency for the treatment of members or exmembers of the armed forces.
The term "Illness" shall mean, sickness or disease of any kind first manifested, treated or diagnosed after the effective date of coverage for an Insured Person; and causing loss covered by this Plan.
The term "Injury" shall mean, bodily Injury caused solely and directly by violent, accidental, external, and visible means occurring while the Policy is in force; and resulting directly and independently of all other causes of loss covered by this Plan.
The term "Physician" shall mean, a licensed practitioner of the healing arts acting within the scope of his or her license who is not: (1) the Insured; (2) an Immediate Family Member; or (3) retained by the Policyholder. Such definition will exclude chiropractors and physiotherapists. In the event services are provided by chiropractors or physiotherapists these healthcare professionals must be licensed and acting within the scope of their license and may not be (1) the Insured; (2) an Immediate Family Member; or (3) retained by the Policyholder.
The term "Immediate Family Member" means a person who is related to the Insured in any of the following ways: spouse, brother-in-law, sister-in-law, daughter-in-law, son-in-law, mother-in-law, father-in-law, parent (includes stepparent), brother or sister (includes stepbrother or stepsister), or child (includes legally adopted or stepchild).
The term "Pre Existing Condition" means any Injury or Illness which
was contracted or which manifested itself, or for which treatment
or medication was prescribed three (3) years prior to the effective
date of this insurance.
If Injury to the Insured results, within 365 days of the date of the accident that caused the Injury, in any one of the types of losses specified below, the Company will pay the percentage of the Principal Sum shown below for that type of loss:
|Description of Loss/Indemnity||Percentage of the Principal Sum|
|Both Hands or Both Feet or Sight of Both Eyes||100%|
|One Hand and One Foot||100%|
|One Hand or One Foot||100%|
|Either Hand or Foot and Sight of One Eye||100%|
|Either Hand or Foot||50%|
|Sight of One Eye||50%|
If Injury to the Insured results, within 365 days of the date of the accident that caused the Injury, in any one of the types of paralysis specified below, the Company will pay the percentage of the Principal Sum shown below for that type of paralysis:
|Type of Paralysis||Percentage of the Principal Sum|
"Paraplegia" means the complete and irreversible paralysis of both lower limbs.
"Hemiplegia" means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body.
"Uniplegia" means the complete and irreversible paralysis of one limb.
"Limb" means entire arm or entire leg.
If the Insured suffers more than one type of paralysis as a result of the same accident, only one amount, the largest, will be paid.
All Coverage, except Accidental Death & Dismemberment, shall be in excess of all other valid and collectible insurance.
For Accidental Death and Dismemberment Indemnity this plan does not cover any loss caused by or resulting from:
Hazardous Activity Coverage
Motorcycling, scuba diving, jet, snow, and water skiing,
mountain climbing, sky diving, amateur racing, piloting
any aircraft, bungee jumping, spelunking, whitewater
rafting, surfing, and parasailing coverage.
For participation in amateur, club, intramural, interscholastic
or intercollegiate tennis, swimming, cross country, track,
baseball, softball, volleyball and golf sports only. All other
sports must be approved in advance by the Company.
Home Country Coverage
If a covered person has been enrolled on this plan for a minimum
of 30 days, coverage for an incidental trip to your Home Country,
as listed on your application, is available up to a maximum
of two (2) months per twelve (12) months of coverage. Coverage
shall be prorated five (5) days for each month purchased, in the event
that an insured person's coverage is less than twelve (12) months.
Any claims paid are subject to the deductible and co-insurance
and the medical benefit amount is reduced by 50% to a maximum
AIG International Service has a central location for translations and communication during emergencies. AIG International Services provides advice on contacting and using services available from consulates, government agencies, translators, and other service providers that can help with travel-related problems.
Emergency Message Center
In the case of an emergency, you can leave or receive emergency messages. You can also store messages for up to 72 hours. All you have to do is call and leave your message. It's that simple!
Pre-departure services can give you valuable information so there are no surprises after you leave home. You can get information on immunization requirements, appropriate medical exams and treatments, passport and visa requirements, weather, and travel hazards.
Losing important baggage or documents is extremely inconvenient. AIG International Services can provide immediate telephone advice to a traveler whose baggage has been lost or delayed by a carrier. This service also notifies the appropriate authorities of a traveler's lost passport and provides directions for replacement.
Filling out paperwork in a foreign country can be confusing. AIG International Services can help you complete insurance and medical claims forms. In addition, this service can help you verify your insurance coverage and guarantee payment to a medical provider based on the confirmation of your insurance benefits or your credit card.
Evacuation and Repatriation
If an unforseen medical emergency requires you to be evacuated to a treatment facility, AIG INternational Services can coordinate your emergency medical evacuation. If you should lose your life while traveling, AIG International Services can coordinate the repatriation of your remains.
Travel Medical Emergency Services
If a medical problem occurs, you may feel more comfortable knowing that someone is there to assist you.
This service can help you obtain local medical care, monitor the quality and cost of the hospital treatment, confirm travel medical expense insurance, guarantee payment to the provider of medical services using your financial resources, and arrange the payment of non-insured medical expenses.
Moreover, AIG International Services can maintain contact between local and personal physicians; arrange shipment of perscription drugs, medical equipment, and perscription lenses; provide your medical records; and maintain daily contact between patient, family, employer, and physicians.
If you are in need of legal assistance, AIG International Services can arrange help from local attorneys, embassies, and consulates. Bail, cash advances, or guarantee of payment of legal services can be arranged through your financial resources. Also, AIG International Services can keep a communication link between you, your family, and your employer.
If you are caught in an emergency and need cash, this can be a valuable service. In coordination with your finances, AIG INternational Services can provide cash through banks, consulates, hotels, and Western Union.
This 24-hour service can replace your lost or stolen airline ticket by arranging payment through your credit card. Pre-paid tickets can be delivered by mail courier or collected at an airline counter. In addition, hotel reservations can be arranged.
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