Diplomat America Plan, Global Underwriters Diplomat America

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Brochure

Underwriter: United States Fire Insurance Company
Rating: A+ (excellent) by A.M. Best
Administrator: Global Underwriters
Eligibility: Non US residents visiting USA

Unique Features

Up to $1 million coverage available
$20,000 plan maximum for 80+ travelers
Very comprehensive adventure sports rider is available which can cover olympic and college sports and many riskier sports (motocross, horseback riding) that are unavailable from other companies

Advantages

Offers optional coverage for athletics and hazardous sports

Disadvantages

Minimum period of purchase is 15 days
Does not offer coverage outside USA
Cannot be renewed (Diplomat Long Term has a higher price, but can be renewed)

Coverage Example:
Policy maximum of the plan: $50,000
Deductible: $50
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden body pain and the expense incurred is $200
Second incident is a minor accident and get hospitalized and is undergoing surgery for which the expense is $35,000

The following table shows the amount paid by the plan and the customer:

Expense	Bill Amount	Customer pays	Plan Pays
First Visit to the Doctor due to body pain	$200	$50 (Since the deductible is $50)	$150
Minor Accidental hospitalization
Hospital Room and Board	$15,000	$1,000	$4,000 (coinsurance: 80% of first $5,000) + $10,000
Other expense	$20,000	$0	$20,000
Total:	$35,200	$1,050	$34,150

The usage of deductible and coinsurance:

First time you visit the doctor with sudden body pain the bill amounts to $200 for a filling
You will have to pay this $50 as the chosen deductible is $50 and the remaining amount, $150 the plan pays
A few months later, you meet with a minor accident and get hospitalized to undergo a surgery for $35,000
Now the plan will pay 80% of the first $5,000. ie. Company will pay $4,000 and you will pay $1000
The plan will then pay the remaining eligible expenses