What is the Difference between CHUBB Network Plan and CHUBB Premier Plan?

We often get a lot of questions from our customers shopping for visitor health insurance. One of the most popular question is what is the difference between CHUBB Network plan and CHUBB Premier plan. Let’s look at both of these plans closely.

CHUBB Network plan –  is a First Health PPO network based comprehensive plan with an option to take pre-existing coverage. Available with maximum coverage of $150,000 for ages 69 and under; and $75,000 for ages 70-99 with a deductible of $500 and Pre-Ex deductible of $1,500. This plan doesn’t have any limitation on how much you can spend on medical services (up to the policy maximum) and it will pay 80% of entire medical bill (up to the policy maximum) and the remaining 20% will be your responsibility.
CHUBB Premier plan – is a fixed benefit plan with coverage for new problems, accidents and pre-existing conditions with a variety of deductible options for new medical conditions and pre-existing medical conditions. This plan offers cost effective pre-existing coverage. Please follow this link to see all benefits the plan will pay for every medical service.

For your convenience we created a table to show the difference between CHUBB Network plan and CHUBB Premier plan:

 

Covered Medical Services
$25,000 Policy Maximum Coverage Deductible $100 (0-69)
$50,000 Policy Maximum Coverage Deductible $100 (0-69)
$75,000 Policy Maximum Coverage Deductible $100 (0-69)
$100,000 Policy Maximum Coverage Deductible $100 (0-69)

Outpatient Services

Inpatient Services

Surgeon Services
Usual & Customary Charges up to $2,000 max
Usual & Customary Charges up to $3,000 max
Usual & Customary Charges up to $4,000 max
Usual & Customary Charges up to $5,000 max
Surgeon Services
Usual & Customary Charges up to $2,000 max
Usual & Customary Charges up to $3,000 max
Usual & Customary Charges up to $4,000 max
Usual & Customary Charges up to $5,000 max
Repatriation of Remains
Usual & Customary Charges up to $10,000 max
Usual & Customary Charges up to $10,000 max
Usual & Customary Charges up to $10,000 max
Usual & Customary Charges up to $10,000 max
Private Duty Nursing
Usual & Customary Charges up to $350 max
Usual & Customary Charges up to $400 max
Usual & Customary Charges up to $450 max
Usual & Customary Charges up to $500 max
Prescription Drug
Usual & Customary Charges up to $75 max
Usual & Customary Charges up to $100 max
Usual & Customary Charges up to $125 max
Usual & Customary Charges up to $150 max
Pre-admission Tests, when requested by Physician
Usual & Customary Charges up to $950 max; test must occur within 14 days prior to Hospital admission
Usual & Customary Charges up to $1,000 max; test must occur within 14 days prior to Hospital admission
Usual & Customary Charges up to $1,050 max; test must occur within 14 days prior to Hospital admission
Usual & Customary Charges up to $1,100 max; test must occur within 14 days prior to Hospital admission
Physician Non-Surgical Treatment/Examination Visits
Usual & Customary Charges up to $40 max per visit, 1 visit per day, 30 visits max
Usual & Customary Charges up to $60 max per visit, 1 visit per day, 30 visits max
Usual & Customary Charges up to $80 max per visit, 1 visit per day, 30 visits max
Usual & Customary Charges up to $100 max per visit, 1 visit per day, 30 visits max
Physician Non-Surgical Treatment/Exam Visits
Usual & Customary Charges up to $50 max per visit, 1 visit per day, 10 visits max
Usual & Customary Charges up to $60 max per visit, 1 visit per day, 10 visits max
Usual & Customary Charges up to $80 max per visit, 1 visit per day, 10 visits max
Usual & Customary Charges up to $100 max per visit, 1 visit per day, 10 visits max
Physical and Occupational Therapy
Usual & Customary Charges up to $30 per visit, 1 visit per day, 12 visits max
Usual & Customary Charges up to $35 per visit, 1 visit per day, 12 visits max
Usual & Customary Charges up to $40 per visit, 1 visit per day, 12 visits max
Usual & Customary Charges up to $45 per visit, 1 visit per day, 12 visits max
Hospital Intensive Care Unit Room and Board
Usual & Customary Charges up to an additional $400 per day to a maximum of 8 days
Usual & Customary Charges up to an additional $525 per day to a maximum of 8 days
Usual & Customary Charges up to an additional $625 per day to a maximum of 8 day
Usual & Customary Charges up to an additional $750 per day to a maximum of 8 day
Hospital Emergency Room
Usual & Customary Charges up to $275 max
Usual & Customary Charges up to $350 max
Usual & Customary Charges up to $425 max
Usual & Customary Charges up to $500 max
Emergency Medical Evacuation
Usual & Customary Charges up to $10,000 max
Usual & Customary Charges up to $10,000 max
Usual & Customary Charges up to $10,000 max
Usual & Customary Charges up to $10,000 max
Diagnostic X-Rays and Laboratory Procedures
Usual & Customary Charges up to $275 max
Usual & Customary Charges up to $400 max
Usual & Customary Charges up to $525 max
Usual & Customary Charges up to $650 max
Dental Treatment Injury to Sound, Natural Teeth Due to Accident (does not include dental services for immediate relief of pain)
Usual & Customary Charges up to $425 max
Usual & Customary Charges up to $450 max
Usual & Customary Charges up to $475 max
Usual & Customary Charges up to $500 max
Day Surgery (including the cost of the operating room, anesthesia, drugs, medicines and medical supplies)
Usual & Customary Charges up to $950 max
Usual & Customary Charges up to $1,000 max
Usual & Customary Charges up to $1,050 max
Usual & Customary Charges up to $1,100 max
Consultant visits, when requested by a Physician
Usual & Customary Charges up to $375 max
Usual & Customary Charges up to $400 max
Usual & Customary Charges up to $425 max
Usual & Customary Charges up to $450 max
CAT Scan, PET Scan or MRI
Usual & Customary Charges up to an additional $275 of the Diagnostic X-Ray and Lab
Usual & Customary Charges up to an additional $400 of the Diagnostic X-Ray and Lab
Usual & Customary Charges up to an additional $525 of the Diagnostic X-Ray and Lab
Usual & Customary Charges up to an additional $650 of the Diagnostic X-Ray and Lab
Assistant Surgeon
Usual & Customary Charges up to $500 max
Usual & Customary Charges up to $750 max
Usual & Customary Charges up to $1,000 max
Usual & Customary Charges up to $1,250 max
Assistant Surgeon
Usual & Customary Charges up to $500 max
Usual & Customary Charges up to $750 max
Usual & Customary Charges up to $1,000 max
Usual & Customary Charges up to $1,250 max
Anesthetics
Usual & Customary Charges up to $500 max
Usual & Customary Charges up to $750 max
Usual & Customary Charges up to $1,000 max
Usual & Customary Charges up to $1,250 max
Anesthetics
Usual & Customary Charges up to $500 max
Usual & Customary Charges up to $750 max
Usual & Customary Charges up to $1,000 max
Usual & Customary Charges up to $1,000 max
Ambulance Services
Usual & Customary Charges up to $375 max
Usual & Customary Charges up to $400 max
Usual & Customary Charges up to $425 max
Usual & Customary Charges up to $450 max
Accidental Death and Dismemberment
$25,000 Aggregate Sum
$25,000 Aggregate Sum
$25,000 Aggregate Sum
$25,000 Aggregate Sum
Hospital Room and Board
Usual & Customary Charges up to $900 per day, to a maximum of 30 days
Usual & Customary Charges up to $1,300 per day, to a maximum of 30 days
Usual & Customary Charges up to $1,525 per day, to a maximum of 30 days
Usual & Customary Charges up to $1,750 per day, to a maximum of 30 days

 

Please visit this page to get a quote for Visitor Health Insurance plans offered by India Network Services.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

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