Who should purchase The Diplomat International?

Travel medical insurance designed for U.S. Citizens traveling outside the United States or Non-U.S. Citizens traveling outside their home, with no travel to the United States. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers.

Why do you need international travel insurance?

Problem for U.S. Travelers:

Most group and individual health plans sold in the United States provide limited (if any) coverage while traveling overseas. PPO’s do not extend their network’s abroad, so any difference in billing expenses or claims will become your responsibility. Private U.S. health plans rarely provide emergency medical air evacuation and repatriation benefits back to your home country. Finally, Medicare provides NO coverage outside the U.S.(see U.S, Passport for details).

Problem for Non – U.S. Citizens:

Nationalized or government sponsored health plans rarely provide adequate medical coverage for illnesses or injuries sustained while traveling outside your home country. Extreme sports, hazardous activities, emergency medical air evacuation and repatriation are usually not covered under nationalized health insurance schemes.

This brochure is meant to be a brief summary of the policy features only for the Diplomat International Plan and does not cover all the terms, conditions and limitations of the Master Policy. If there is any conflict between this brochure and the Master Policy, the Master Policy will govern in all cases. Benefits and premiums are subject to change.

Eligibility

The Diplomat International provides Accident and Sickness Medical Coverage, Travel Assistance, and Accidental Death and Dismemberment benefits to Individuals while traveling outside their Home Country, but not to the United States. Coverage is available for you, a second adult, unmarried dependent Children, or Children traveling alone.

Home Country is defined as: 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.

Diplomat International Summary of Benefits

Coverage:	Maximum Limit:
Plan A	$50,000
Plan B	$100,000
Plan C	$250,000
Plan D	$500,000
Plan E	$1,000,000
	Persons age 70 – 79 are eligible for plans A and B; Persons age 80+ are eligible for a maximum benefit of $20,000.
Deductible Choices:	$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/policy period
Co-Insurance:	After you pay your selected deductible this plan will pay 100% of Covered Expenses outside your Home Country up to the selected policy maximum.
Pre-Existing Condition Exclusion:	12 Months prior to the start date of coverage
Emergency Medical Evacuation and Repatriation:	$500,000
Political and Natural Disaster Evacuation:	$50,000; ($100,000 available with the purchase of the Enhanced Political and Natural Disaster Evacuation Rider)
Return of Mortal Remains:	$50,000
Emergency Medical Reunion:	$50,000
Return of Minor Child:	$50,000
Interruption of Trip:	$5,000
Loss of Baggage:	$50 per article; up to a maximum of $250
In-Hospital Indemnity (US Citizens only):	$100
Emergency Dental Treatment (Palliative):	$100
Accidental Death and Dismemberment:	$25,000 (Enhanced Benefit Amounts available) with paralysis, coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
Sudden Recurrence of a Pre-existing Condition (US Citizens only):	up to $20,000; ($2,500 for age 65 and older)
Optional Policy Enhancements:	Home Country Coverage / Athletic & Hazardous Activity Riders War Risk Coverage Available, call for a quote.