US Customer Support
Liaison Majestic Insurance
(Covers travelers outside their home country up to 3 years )
- Certain Underwriters at Lloyds of London
- A (excellent) by AM Best and A+ (strong) by Standard & Poors
- Individuals and their families travelling outside home country
- Seven Corners
Unique Features
- Coverage is renewable up to 3 years
- $50,000 coverage for political evacuation
- Pre-existing conditions is covered up to chosen plan maximum for US citizens traveling outside US and Canada enrolled in Primary Health Plan
- Covers Heart Attack/Stroke Inpatient hospitalization expenses for $200 per day up to $3,000 for Non US Citizens in USA
- Emergency Dental coverage is offered only if the plan is bought for at least a month
- Maximum of 3 plan life deductibles per family
Advantages
- No Coinsurance outside US
- Available for US and Non US Citizens
- Offers coverage for coma up to $50,000
- Felonious assault benefit up to $10,000
- Offers optional coverage for hazardous sports
- Dependent child is covered at a cheaper rate if one of the parent is covered
Disadvantages
- $20,000 coverage for travelers aged 80+ years
- For travelers aged 65+ years, plan is renewal up to 1 year only
Coverage Example:
Policy maximum of the plan: $125,000
Deductible: $500
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $500
Second incident is a eye surgery for which the expense is $40,000
Policy maximum of the plan: $125,000
Deductible: $500
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $500
Second incident is a eye 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 Sudden Dental Pain | $500 | $500 (Since the deductible is $500) | 0 |
| Eye Surgery | |||
| Hospital Room and Board | $20,000 | $1000 | $4,000 (coinsurance: 80% of first $5,000) + $15,000 |
| Other expense | $20,000 | $0 | $20,000 |
| Total: | $40,500 | $1500 | $39,000 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden dental pain the bill amounts to $500 for a filling
- You will have to pay the full $500 as the chosen deductible is $500
- A few months later, you have to undergo a eye surgery for $40,000
- 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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