US Customer Support
Diplomat LongTerm
(Covers travelers while in the US and outside the US)
- United States Fire Insurance Company
- A (excellent) by A.M. Best
- Global Underwriters
- Non US Citizens visiting USA
- Travelers outside their home country
Unique Features
- $1 million coverage
- $100,000 for travelers age 70-79 years
- $20,000 for travelers age 80+ years
- No Coinsurance for coverage outside US
- Inside USA, plans pays 80% up to $5,000 of eligible costs, then 100% to plan maximum
- Covers pre-existing conditions for US Citizens: up to $20,000 for travelers age less than 65 years and $2,500 for travelers age 65+ years
Advantages
- Can be renewed up to 3 years for travelers aged 14 days to 69 years, 2 years for travelers aged 70-79 years and 1 years for travelers aged 80+ years
- Emergency Room deductible($250) is waived if traveler is admitted within 12 hours of incident
- Offers optional home country coverage and coverage for athletic sports and hazardous sports at an additional price
Disadvantages
- Must be bought for a minimum of 3 months
- No pre-existing conditions for non-US citizens
Coverage Example:
Policy maximum of the plan: $1,000,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden body pain and the expense incurred is $250
Second incident is a minor accident and get hospitalized and is undergoing surgery for which the expense is $50,000
Policy maximum of the plan: $1,000,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden body pain and the expense incurred is $250
Second incident is a minor accident and get hospitalized and is undergoing surgery for which the expense is $50,000
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 | $250 | $250 (Since the deductible is $250) | $0 |
| Minor Accidental hospitalization | |||
| Hospital Room and Board | $25,000 | $1,000 | $4,000 (coinsurance: 80% of first $5,000) + $20,000 |
| Other expense | $25,000 | $0 | $25,000 |
| Total: | $50,250 | $1,250 | $49,000 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden body pain the bill amounts to $250 for a filling
- You will have to pay full $250 as the chosen deductible is $250
- A few months later, you meet with a minor accident and get hospitalized to undergo a surgery for $50,000
- 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
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