Visitors Care Plan Description
Disclaimer: Please note that Non-admitted carriers are usually referred to as "surplus" or "excess lines insurers". Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier. Non-Admitted Carriers are not regulated by state insurance authority, you cannot seek any recourse from Non-Admitted Carriers for unpaid claims.
You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. International Medical Group® (IMG®) has developed Visitors Care® to provide you and your family Coverage Without Boundaries® so you can spend more time enjoying your international experience, and less time worrying about your medical security. Additionally, the Visitors Care plan offers excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You also may seek treatment with the hospital or doctor of your choice - you are not required to use a preferred provider network. However, if you need assistance, you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization to assist you in locating providers. |
Visitors Care Plan Features:
This plan is designed for:
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Visitors Care Schedule of Benefits
Inpatient Benefits | $25,000 Policy Max
Inpatient Treatment |
Inpatient Medical Benefits |
Hospital room and board |
Up to $825 per day, 30 day maximum per period of coverage |
Intensive Care |
Up to an additional $400 per day, 8 day maximum per period of coverage |
Surgical Treatment |
Up to $2000 per surgical session |
Physician Consult |
Up to $350 per period of coverage |
Pre-admission tests |
Up to $750 per period of coverage |
Private-duty nurse |
Up to $400 per period of coverage |
Physician Visits |
Up to $40 per visit, 30 visits per period of coverage |
Outpatient benefits | $25,000 Policy Max
Outpatient Treatment |
Outpatient Medical Benefits |
Surgical Treatment |
Up to $2,000 per surgical session |
Surgical Facility Fee |
Up to $750 per surgical session |
Diagnostic x-ray & Lab |
Up to $650 per period of coverage ($325 per procedure) |
Hospital Emergency Room |
Up to $200 per visit |
Prescription Drugs |
Up to $150 per period of coverage |
Physicians visits |
Up to $50 per visit, 10 visits per period of coverage |
Other services | $25,000 Policy Max
Other Treatment |
Other Medical Benefits |
Anesthetist |
Up to $450 per surgical session |
Assistant surgeon |
Up to $450 per surgical session |
Local Ambulance |
Up to $250 per period of coverage |
Dental for accident to sound natural teeth |
Up to $350 per period of coverage |
Physical Therapy |
Up to $25 per visit per day, 12 visits per period of coverage |
Extended care facility |
Up to $150 per day, 15 day maximum per period of coverage |
Miscellaneous Information
Exclusions
Exclusions and LimitationsCharges for certain services, treatments and/or conditions, among others, are excluded from coverage under the Patriot plans and include but are not limited to:
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Patient protection & Affordable care act
IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to, and does not provide benefits required by, PPACA. On January 1, 2014, PPACA will require U.S. citizens and certain U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on U.S. citizens and U.S. residents who are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is solely your responsibility to determine if PPACA is applicable to you. |
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