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IMG Visitors Care Travel Medical Insurance Plan Information

Information on Visitors Care plan for people in need of travel insurance

Visitors CareSM   travel medical insurance

The Visitors Care plan provides travel medical insurance coverage for individuals traveling outside their country of citizenship for a minimum of one month up to 24 months. If the initial purchase is for a period of three (3) months or longer, the plan is renewable for a minimum of 3 months at a time for a total of 24 continuous months. 

This plan offers Lifetime benefit maximums of US$25,000, US$50,000 and US$100,000. You have your choice of deductibles of US$75 or US$150 per period of insurance. When you incur eligible medical expenses , the plan will provide benefits for Usual, Reasonable and Customary charges as outlined in the Schedule of Benefits below.

 

Visitors Care Plan Rates

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Plan A - US$25,000 maximum benefit per life of plan
 
  Option 1
US$75 deductible
per period of coverage
Option 2
US$150 deductible
per period of coverage
Age One Month One Month
2 weeks - 49 $28 $25
50-69 $42 $39
70-79 $61 $58
80+* $122 $116
Dependent child $23 $20
 
  Option 1
US$75 deductible
per period of coverage
Option 2
US$150 deductible
per period of coverage
Age Daily Daily
2 weeks - 49 $0.95 $0.85
50-69 $1.40 $1.30
70-79 $2.05 $1.95
80+* $4.10 $3.90
Dependent child $0.80 $0.70
 
* US$10,000 Benefit  

 

Plan B - US$50,000 maximum benefit per life of plan
 
  Option 3
US$75 deductible
per period of coverage
Option 4
US$150 deductible
per period of coverage
Age One Month One Month
2 weeks - 49 $42 $38
50-69 $63 $59
70-79 $91 $86
Dependent child $34 $30
 
  Option 3
US$75 deductible
per period of coverage
Option 4
US$150 deductible
per period of coverage
Age Daily Daily
2 weeks - 49 $1.40 $1.30
50-69 $2.10 $2.00
70-79 $3.05 $2.90
Dependent child $1.15 $1.00

 

Plan C - US$100,000 maximum benefit per life of plan
 
  Option 5
US$75 deductible
per period of coverage
Option 6
US$150 deductible
per period of coverage
Age One Month One Month
2 weeks - 49 $62 $58
50-69 $94 $91
70-79 $136 $132
Dependent child $52 $48
 
  Option 5
US$75 deductible
per period of coverage
Option 6
US$150 deductible
per period of coverage
Age Daily Daily
2 weeks - 49 $2.10 $1.95
50-69 $3.15 $3.05
70-79 $4.55 $4.40
Dependent child $1.75 $1.60
 
All premium rates are in US dollars and are effective through 3/31/2006. Rates include 2.5% surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.
 
 
 
BENEFITS

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The plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan, and a choice of deductibles of US$75 or US$150 applied per period of coverage. When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans.
 
INTERNATIONAL EMERGENCY CARE
Emergency Evacuation To US$50,000 when coordinated through IMG (not to exceed plan maximum)
The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable travel and accommodations resulting from the evacuation, which must be approved and coordinated in advance.
 
Repatriation To US$7,500 when coordinated through IMG
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the country of residence or citizenship will be covered, up to a maximum of US$7,500.


SPECIAL COVERAGES

Home Country Coverage As described below
Incidental Home Country Coverage - During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total, and retain continuing coverage during such visit(s), so long as: a. The insured person must have previously left his/her home country for some portion of the period of coverage, and b. The return to the home country must not be undertaken for the purpose of receiving treatment for an illness or injury incurred while traveling or residing outside the home country.
 
Common Carrier Accidental Death US$25,000 to Beneficiary
If accidental death should occur while traveling on a commercial common carrier during the period of coverage, US$25,000 will be paid to the designated beneficiary.


MEDICAL BENEFITS - usual, reasonable and customary charges, subject to deductible and coinsurance
 

  Plan A - US$25,000 maximum benefit per life of plan Plan B - US$50,000 maximum benefit per life of plan Plan C - US$100,000 maximum benefit per life of plan
Inpatient Treatment
Hospital room & board Up to US US$825 per day, 30 day maximum per period of coverage Up to US US$1,275 per day, 30 day maximum per period of coverage Up to US US$1,750 per day, 30 day maximum per period of coverage
Intensive Care Additional US$400 per day, 8 day maximum per period of coverage Additional US$575 per day, 8 day maximum per period of coverage Additional US$750 per day, 8 day maximum per period of coverage
Surgical Treatment US$2,000 per surgical session US$3,000 per surgical session US$5,000 per surgical session
Consult physician US$350 per period of coverage US$400 per period of coverage US$450 per period of coverage
Pre-admission tests US$750 per period of coverage US$1,000 per period of coverage US$1,000 per period of coverage
Private duty nurse US$400 per period of coverage US$500 per period of coverage US$500 per period of coverage
Physician visits US$40 allowable charge per visit, 30 visits per period of coverage US$50 allowable charge per visit, 30 visits per period of coverage US$50 allowable charge per visit, 30 visits per period of coverage
Outpatient Treatment
Surgical treatment US$2,000 per surgical session US$3,000 per surgical session US$5,000 per surgical session
Diagnostic x-ray & lab US$650 per period of coverage, (US$325 allowable charge per procedure) US$800 per period of coverage, (US$400 allowable charge per procedure) US$950 per period of coverage, (US$450 allowable charge per procedure)
Hospital emergency room US$200 allowable charge per visit US$300 allowable charge per visit US$500 allowable charge per visit
Prescription drugs US$150 per period of coverage US$250 per period of coverage US$250 per period of coverage
Physician visits US$50 allowable charge per visit, 10 visits per period of coverage US$50 allowable charge per visit, 10 visits per period of coverage US$50 allowable charge per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Services
Anesthetist US$450 per surgical session US$750 per surgical session US$1,250 per surgical session
Assistant surgeon US$450 per surgical session US$750 per surgical session US$1,250 per surgical session
Other Coverages
Ambulance US$250 per period of coverage US$400 per period of coverage US$400 per period of coverage
Dental for accident to sound natural teeth US$350 per period of coverage US$500 per period of coverage US$500 per period of coverage
Physiotherapy US$25 per visit per day, 12 visits per period of coverage US$35 per visit per day, 12 visits per period of coverage US$35 per visit per day, 12 visits per period of coverage

The period of coverage is the period of time for which premium has been timely paid. At each renewal, a new period of coverage will begin.

PLEASE NOTE: This web page contains only a consolidated and summary description of all current Visitors Care benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverages and benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.

 
CONDITIONS OF COVERAGE 

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1. Coverage and benefits are subject to the applicable deductible and Scheduled limits, and the other terms of the plan as contained in the complete Policy Wording.
2. Coverage under the plan is secondary to any other coverage.
3. Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
4. Charges must be administered or ordered by a physician.
5. Charges must be incurred during the Period of Coverage.
6. Claims must be presented to IMG for payment within the Period of Coverage or during the three months immediately following the Period of Coverage.
EXCLUSIONS

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Charges for the following services, treatments and/or conditions are excluded from coverage under the Visitors Care plan. 
1. Pre-existing Conditions. Charges resulting directly or indirectly from any Pre-existing Condition, defined as any Injury, Illness, sickness, disease, or other physical or medical disorder or ailment that existed at the time of Application or at any time during the three years prior to the effective date of this insurance, whether or not previously manifested or symptomatic, diagnosed or treated, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
2. Heart disease, cancer, and stroke - Charges resulting directly or indirectly from heart and blood circulatory disorders including without limitation arteriosclerosis and ischemic cardiovascular disease; cancer, tumor, and stroke or central nervous system hypoxia; and including any subsequent chronic or recurring complications or consequences related thereto or arising therefrom.
3. Treatment or surgeries which are elective, investigational,  experimental or for research purposes. 
4. War, political insurrection, protest, or any act thereof.
5. Immunizations and routine physical exams.
6. Treatment of Temporomandibular Joint or dental treatment, except as provided for herein.
7. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
8. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
9. Any Injury or Illness sustained while taking part in mountaineering activities where specialized climbing equipment, ropes or guide are normally or reasonably should have been used, Amateur Athletics or professional athletics, aviation ( except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, snow skiing except for recreation downhill and/or cross country snow skiing( no cover provided whilst skiing in violation of applicable laws, rules or regulations; away from prepared and marked in-bound territories; and/or against the advice of the local authoritative body), racing of any kind including by horse, motor vehicle ( of any type), or motorcycle, spelunking, and sub aqua pursuits involving underwater breathing apparatus. 
10. Vision or ear tests and the provision of visual or hearing aids.
11. Vocational, recreational, speech or music therapy.
12. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
13. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations. 
14. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
15. Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.
16. Willful self-inflicted injury or illness.
17. Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.
18. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
19. Treatment for mental and nervous disorders. 
20. Organ or tissue transplants or related services.
21. Illness or injury where the trip to the host country is undertaken for treatment or advice for such Illness or injury, except as provided for herein.
22. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
 

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This web material contains only a consolidated and summary description of all current Visitors Care benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit. IMG reserves the right to issue the most current Policy Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.

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