Diplomat America Insurance Plan

 

 

Who should purchase the Diplomat America?

Travel medical insurance designed to cover Non-U.S. Citizens and Non-U.S. Residents traveling 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?

Nationalized or government sponsored health plans rarely provide adequate medical coverage for injuries or illnesses which occur in the United States. Most travelers are unaware of how expensive medical care is in the United States. Not to mention, that U.S. medical facilities may not recognize insurance provided by a “foreign” insurance company and could deny services or demand up-front payment for treatment.

Eligibility:

The Diplomat America provides Accident and Sickness Medical Coverage, Travel Assistance, and AD&D benefits to Non-US Residents while visiting the United States. Coverage is available for you, a second adult, unmarried dependent Children, or Children traveling alone. This plan is for individuals while traveling outside their home country and inside the USA. Diplomat America must be purchased for a minimum of 15 days.

 

Diplomat America 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 60-69 are eligible for plan A, B, and C. Persons age 70 – 79 are eligible for plans A and B; Persons age 80+ are eligible for a maximum benefit of $20,000.
Co- Insurance:	After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The emergency room deductible will be waived if hospital admittance is within 12 hours of the incident.
Pre-Existing Condition Exclusion:	24 Months prior to the start date of coverage
Deductible Choices:	$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per person/policy period
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
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.

Athletic & Hazardous Activity Rider Available 

YOU MUST PURCHASE THE (E) Athletic & Hazardous Activity Rider to be covered for piloting a noncommercial aircraft!

Athletic Sports & Hazardous Activity Rider – provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities. NOTE: Any Athletic Sport & Hazardous Activity not expressly covered hereunder is excluded from this policy unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.

Table 1: For the below listed activities apply the 1.25 factor to the base premium: Bobsledding; Bungee Jumping; Canopying; Hang Gliding; Heli-skiing; Horseback Riding; Jet, Snow, and Water Skiing; Kayaking; Martial Arts; Motorcycling & Motor Scooter; Mountain Biking; Mountain Climbing (under 14,000 feet); Paragliding; Parasailing; Piloting any Non-commercial Aircraft; Safari; Scuba Diving, Skydiving; Snowboarding; Snowmobiling; Spelunking; Surfing; Trekking; Whitewater Rafting (up to and including Class V Rapid only); Wind Surfing; Zip Lining.

Below is an example of how to select the Optional Athletic, Sports, and Hazardous Activity Rider: