Diplomat International health and travel insurance is very effective health insurance overseas. It will cover from small illnesses to extreme sports injuries to catastrophic accidents to life-saving medical evacuations as well as in case of death. This plan is best for those who travel outside of their home country for any reason. Whether it is a work project, a fun and much needed vacation, a mission trip, or volunteer work, or even adventure sports trips, the Diplomat International plans are excellent protection for health insurance overseas! You are eligible if you are traveling outside of your home country, which is defined as the place of your permanent and fixed home establishment and where you have the intention of returning.
The Diplomat International has two basic forms of coverage: the International plan will cover outside of the U.S.A., the America plan will cover if you are traveling inside the U.S. Overall, the benefits are nearly identical. Here is the main difference: * The Diplomat America has coinsurance after the deductible. This means that up to $5,000 of medical expenses will be shared by a percentage between the insurance company and you. The company would pay 80 percent, and you would be responsible for 20 percent of that $5,000. After the deductible and coinsurance, eligible medical expenses are covered at 100 percent by the insurance company. * On the Diplomat International, the plan will cover after the deductible because there is no coinsurance.
Benefits for your protection: The Diplomat International plan is designed to cover you, your family, and your traveling companion and keep you safe. I want to highlight some of the benefits for you! There is of course coverage for medical expenses which fall under the overall maximum, and medical evacuation coverage which is covered up to $500,000. You may choose maximum coverage limits from $50,000 to $1,000,000, and eight deductible options from $0 to $5,000. The policy comes with a Political and Natural Disaster Evacuation benefit, which can be double with an additional rider. There is also coverage in case of an Accidental Death and or Dismemberment (AD&D), which is up to $25,000. Furthermore, you can increase this benefit of AD&D up to $1,000,000. Return of Mortal Remains is covered up to $50,000. Pre-existing conditions are not covered unless the situation meets the strict guidelines for the Sudden Recurrence of a Pre-existing Condition provision, which is for U.S. citizens only on the Diplomat International plan.
Some other gracious benefits are the Emergency Medical Reunion and Return of Minor Children. On the Emergency Medical Reunion, in case you have a medical evacuation, the plan will arrange to bring an individual of your choice from your current home country. They will accompany you in the hospital and also on your return to your home country. On the Return of Minor Children, if you are injured or sick, which would leave minor children or child unattended, the company is able to step in. They can arrange a one way ticket for them to go back to your home country, and if needed they may also have an escort to ensure the safety and welfare of your children. We certainly don’t want anything like this ever happen to anyone, however, this plan has coverage in case it does.
Medical evacuation: A medical evacuation will occur when the company and the attending physician determine that it is medically necessary. This is always due to the fact that adequate medical care is not locally available. The company must be notified by you are someone with you, and the company will arrange and pay for the medical evacuation. The medical evacuation will take you to the nearest adequate medical facility for you to have the necessary medical treatment. If your medical condition warrants, you can be taken back to your home country for further treatment.
Diplomat International – Home Country Coverage Rider: You can secure a rider for Home Country Coverage. This will provide benefits for Incidental Trips to your Home Country as well as Follow Me Home Coverage. * Incidental Trip to your Home Country: If you have an incidental trip back to your home country, the plan will pay up to $50,000 for any eligible injury or illness while in your home country. Coverage is up to 60 days, per 12 months of coverage (approximately five days per month). * Follow Me Home Coverage: Up to $10,000 for follow up care, if a covered injury or illness originally occurred, diagnosed, and was treated outside your home country.
Diplomat America and International – Sports Rider: There is amazing coverage for sports on the Diplomat plans. Especially for non-intercollegiate, non-interscholastic, non-club, and non-organized amateur sports, coverage is up to the maximum limit. Professional sports are not covered. There are two categories and three levels of coverage in each: Low, Middle, and High. Most sports are covered, however some are excluded. Please be sure to check with us if you are not sure but need sports coverage!
With coverage for medical expenses, international medical evacuation insurance, and many other benefits, it is reassuring to know you are well protected, isn’t it?
Good Neighbor Insurance provides international travel insurance to those traveling outside their country of resident/country of citizenship. Call one of our professional international travel insurance agents at 866-636-9100 or you may email us at info@gninsurance.com. Have an amazing and safe travels!
