Lifetime Maximum Benefit

$5,000,000 per Insured Person.

Inpatient Hospital Expenses/ Intensive Care

Average Semi-Private/ Intensive Care room and board, Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-Rays up to the Policy Maximum.

Pre-existing Conditions

All Pre-existing Conditions will be considered, provided the Insured Person has not:

a)    suffered symptoms, consulted any Physician for Treatment, advice or check-ups for these Pre-existing Conditions; and

b)    taken Medication (including drugs, Medicines, special diets or injections);

for a continuous period of twenty-four (24) months prior to the date of the treatment  being consider for coverage.

Surgery

Usual, Reasonable, and Customary (URC) Charges for Surgery, Physician and Anesthetics up to the Policy Maximum.

Hospital Daily Indemnity Benefit

$50 per day ($1,000 maximum per Policy Period), for every Medically Necessary night spent in a Hospital (Hospital Admission) outside of the United States and Canada.

Outpatient Treatment

Usual, Reasonable, and Customary (URC) Charges for Emergency Treatment, Surgery, Physician(s) office visits, Prescription Medication up to the Policy Maximum.

Physiotherapy, Chiropractic

Up to $75 per visit ($10,000 Lifetime Maximum), when referred in advance by a Physician.

Medical Supplies

Usual, Reasonable, and Customary (URC) Charges up to Policy Maximum.

Ambulance

Usual, Reasonable, and Customary (URC) Charges up to Policy Maximum.

Well Child Care

Up to $200 per Policy Period Maximum for checkups and routine visits after twelve (12) month waiting period.  Up to age eighteen (18).  Not subject to Deductible and Coinsurance.

Mental & Nervous

Usual, Reasonable, and Customary (URC) Charges up to a Maximum of $10,000 per Policy Period after twelve (12)  month waiting period.  Inpatient limited to a maximum of forty-five (45) days per Policy Period.  Outpatient limited to a maximum of forty (40) visits per Policy Period at 70% of Eligible Expenses.  Lifetime Maximum of $30,000.

Dental

Usual, Reasonable, and Customary (URC) Charges for repair and replacement of sound, natural teeth damaged as a result of an accident, limited to $500 per Policy Period.  A Dental Benefit Rider may be purchased to expand Dental Coverage.

Emergency Medical Evacuation

$250,000 Limit per person per Policy Period - when adequate medical facilities and/or treatment is not available when traveling outside your current Country of Residence. (Pre-approval required).

Repatriation of Remains

$25,000 Limit per person - when traveling outside your current Country of Residence. (Pre-approval required).

Emergency Medical Reunion

$10,000 Limit per person per Policy Period - when traveling outside your current Country of Residence. (Pre-approval required).

Preventive Benefits

Females and Males Age nineteen (19) and over up to $175 per Policy Period Maximum for checkups, routine physical exams, female preventative exams and mammograms after twelve (12) month waiting period. Not subject to Deductible or Coinsurance.

Accidental Death & Dismemberment (AD&D)

Principal Sum: $10,000 for Insured and Spouse, $2,000 for Dependent Children.
Common Carrier, Principal Sum: $40,000 for Insured and Spouse, $8,000 for Dep. Children.