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Diplomat International offer exceptional International Travel Accident and Sickness coverage for groups and individuals. This plan is designed for U.S. Citizens traveling outside the United States or Non-U.S. Citizens traveling outside their home, but not travel to the United States. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers.

Eligibility

Diplomat International provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits and Travel Assistance to individuals while traveling outside their Home Country, but not to the United States. Coverage is available for 2 adults, any unmarried dependent children ages 14 days until their 18th birthday, or children traveling alone.

Note:

  • Coverage is NOT available for travel in Iran.
  • Coverage is NOT available for citizens of Australia or residents of New York, Maryland and South Dakota.

Diplomat International Rates

Covered Expenses 

Expenses that are incurred for medical care and supplies which are: (a) necessary and customary; (b) prescribed by a Physician for the therapeutic treatment of a disablement; (c) are not excluded under the policy; (d) are not more than the Reasonable and Customary charges (as determined by the Company); and (e) are incurred within 365 days for US Citizens or 180 days for Non US Citizens from the date of the disablement will be considered.

  1. Expenses made by a Hospital for room and board, floor nursing and other services, including Expenses for professional services, except personal services of a non-medical nature, provided, however, that Expenses do not exceed the Hospital’s average charge for semi-private room and board accommodation.
  2. Charges made for Intensive Care or Coronary Care charges and nursing services;
  3. Expenses made for diagnosis, Treatment and surgery by a Physician.
  4. Charges made for an operating room.
  5. Charges made for Outpatient Treatment, same as any other Treatment covered on an  Inpatient basis. This includes ambulatory Surgical centers, Physician’s Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
  6. Expenses made for administration of anesthetics.
  7. Expenses for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical Treatment.
  8. Expenses for physiotherapy, if recommended by a Physician, for the Treatment of a specific Disablement and administered by a licensed physiotherapist; With regards to chiropractic care, eligible charges up to $50.00 per visit, with a maximum of 10 visits.
  9. Dressings, drugs, and medicines that are prescribed by a Physician.
  10. Hotel room charge, when the insured, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified  Physician in a hotel room owing to the unavailability of a  Hospital room.

Policy Medical Maximum Choices
Plan A – $50,000
Plan B – $100,000
Plan C – $250,000
Plan D – $500,000
Plan E – $1,000,000

Persons up to age 69 are eligible for all plans;
Persons age 70-79 are eligible for plans A and B;
Persons age 80+ are eligible for plan A only.

Deductible Choices
$0, $50, $100, $250, $500, $1,000, $2,500, $5000 per person per policy period.

Unexpected Recurrence of a Pre-Existing Condition (U.S. Citizens Only) – Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition.

Emergency Medical Evacuation – Benefits are paid for Covered Expense incurred up to $500,000 for any covered Injury or Illness that requires immediate transportation from the place where You are located (due to inadequate medical facilities).

Repatriation – If it is determined by the Assistance Company and your Physician that it is Medically Necessary for You to return to Your primary place of residence because of an unforeseen Sickness or Injury which is acute or life-threatening, the Transportation Expense incurred within 90 days from the date of the Covered Loss will be paid for Your return to Your Home Country or to a medical facility closest to Your primary place of residence.

Return of Mortal Remains – If death occurs, Benefits will be paid for Reasonable and Customary Covered Expenses to return Your remains to Your Home Country.

Emergency Medical Reunion – If it is determined by the Assistance Company and your Physician that it is necessary for You to have an Emergency Medical Evacuation, this Plan will arrange to bring an individual of Your choice, from Your current Home Country, to be at Your side while You are hospitalized and then accompany You during Your return home.

Return of Minor Child(ren) – Should the Insured Person be traveling alone with a Minor Child(ren) and be hospitalized because of a covered Illness or Injury and Your Minor Child(ren) is left unattended, the Assistance Company will arrange for a one way economy fare(s) to Your current Home Country.

In Hospital Indemnity (US Citizens only) – If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which first occurs during Your Period of Coverage and that Illness or Injury is covered under this Plan, this plan will pay benefits up to $100 per day of confinement up to a maximum of 10 days.

Interruption of Trip – If Your trip is interrupted due to the Death of an Immediate Family Member or serious damage to your residence, benefits will be paid up to $5,000 for the Expense of economy travel less the value of applied credit from an unused return travel ticket to return You home to Your area of principal residence.

Loss of Baggage – This plan will reimburse You for loss, theft, or damage to Your baggage or personal effects checked with a Common Carrier, after coverage provided by a Common Carrier.

Political and Natural Disaster Evacuation – Coverage is provided up to $50,000 if the Insured requires emergency evacuation due to situations which place him/her in Imminent Bodily Harm or due to a Natural Disaster.

Emergency Dental Treatment (Accident) – Benefits are paid for Reasonable and Customary Expense for emergency Dental Treatment to natural teeth.

Emergency Dental Treatment (Palliative) – Benefits are paid up to $100 for emergency Treatment for the relief of pain to natural teeth.

*Some Exclusions Apply*

Accidental Death & Dismemberment

Accidental Death, Dismemberment, Loss of Sight, and Speech and Hearing – The amount of the Principal Sum is $25,000 (unless the Enhanced AD&D Benefit is purchased).   Enhanced AD&D Benefit (If Benefit Purchased) – The Principal Sum is increased from $25,000 to the selected amount not to exceed $1,000,000 of coverage.  The Enhanced AD&D Benefit is not available to children under 18 years of age.

If within 365 days after the date of a covered accident, the Insured Person’s Injury results in death or dismemberment, this Plan provides the following benefits for loss of:

Description of Loss Indemnity
Life Principal Sum
Both Hands or Both Feet or Sight of Both Eyes Principal Sum
One Hand and One Foot Principal Sum
Either Hand or Foot and Sight of One Eye Principal Sum
Either Hand or Foot or Sight of One Eye One-Half the Principal Sum

Paralysis Benefit – If a Covered Accident renders an Insured Person Paralyzed within 365 days of the date of the Covered Accident that caused the Injury, in any one of the types of paralysis specified below, the Company will pay the percentage of the Maximum Amount shown below for that type of paralysis:

Type of Paralysis Based on the Percentage of the Principal Sum
Quadriplegia 100%
Paraplegia 75%
Hemiplegia 50%
Uniplegia 25%

Coma Benefit – If a covered Injury renders an Insured Person Comatose within 90 days of the date of the accident that caused the Injury, and if the Coma continues for a period of 30 consecutive days, The Company will pay a monthly benefit equal to 1% of the maximum amount.

Seat Belt and Airbag Benefit  – The Company will pay a benefit if the Insured Person suffers accidental death while operating, or riding as a passenger in an Automobile and he/she was wearing a properly fastened seat belt, properly installed by a factory authorized dealer and was positioned in a seat protected by a properly functioning Supplemental Restraint System, properly installed by a factory authorized dealer that inflates on impact.

Felonious Assault Benefit – The Company will pay a benefit if an Insured Person suffers one or more losses for which benefits are payable under the Accidental Dismemberment Benefit or Coma Benefit provided by the plan as a result of a Felonious Assault.

Home Alteration and Vehicle Modification – The Company will pay Covered Home Alteration and Vehicle Modification Expenses that are incurred within one year after the date of the accident causing such loss(es).

CLAIMS ADMINISTRATOR:
Global Claims Administration
3195 Linwood Rd, Suite 201
Cincinnati OH 45208
Inside US and Canada: 800-513-2981
Outside US and Canada: 513-533-1330
Fax: 513-533-9416