Diplomat International Plan, HCCMIS Diplomat International Insurance

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Brochure

Underwriter: United States Fire Insurance Company
Rating: A (excellent) by A.M. Best
Administrator: Global Underwriters
Eligibility: Individuals travelling outside their home country except USA

Unique Features

$1 million coverage available
No Coinsurance
$20,000 coverage travelers age 80+ years
Plan can be bought for a maximum 12 months

Advantages

Optional coverage for athletic and hazardous sports
Offers optional home country coverage

Disadvantages

No Coverage in US
Not renewable
No coverage for pre-existing conditions for Non-US Citizens

Coverage Example:
Policy maximum of the plan: $50,000
Deductible: $100
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 $40,000

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	$100 (Since the deductible is $100)	$100
Minor Accidental hospitalization
Hospital Room and Board	$20,000	$0	$20,000 (No coinsurance)
Other expense	$20,000	$0	$20,000
Total:	$40,200	$100	$40,100

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 $100 as the chosen deductible is $100 and the remaining amount, $100 the plan pays
A few months later, you meet with a minor accident and get hospitalized to undergo a surgery for $40,000
The plan will pay 100% of eligible expenses as there is no coinsurance