FAQ's

• Policy Year Maximum Benefits: $50,000
• Deductible:  intial $100.00
• Emergency Room Deductible:  $250.00 for each emergency room visit
• Maximum Benefits per Injury or Sickness: $50,000
• Repatriation of Remains: Maximum Benefits up to $25,000
• Medical Evacuation: Maximum Lifetime Benefits up to $50,000
• Prescription Drugs
• Will cover medical expenses for sickness and injury only.
• Physician office visits: There is an intial $100.00 deductible.  If the doctor is in the Preferred Provider Organization Network, the plan pay 90% of eligible expenses up to $5000 USD, then 100% up to Policy Maximum ($50,000).  If the doctor is outside the PPO network then the plan pays 80% of eligible expenses up to $5000 USD, then 100% up to Policy Maximum ($50,000).

• Pre-existing conditions.
• Dental Care.
• Eye Care.
• Maternity and newborn care.
• Routine physical examinations.
• Willfully self-inflicted injury or illness.
• Diagnosis and treatment of acne and sebaceous cyst.
• Plastic or cosmetic surgery.
• Organ or tissue transplant.
• Injury sustained while under the influence of or wholly or partly to the effects of intoxicating liquor or drugs.
• Injury sustained while taking part in mountaineering where ropes or guides are normally used, amateur athletics or professional athletics, aviation (except when traveling solely as a passenger in a commercial aircraft) hang gliding and parachuting, mountain biking, rock climbing, snow skiing, bicycle motor cross, bobsledding, canyoning, caving, high diving, heli-skiing, hot air ballooning, in-line skating, jet skiing, kayaking , and water skiing and snowboarding, racing by horse, motorcycle, spelunking and subaqua pursuits involving underwater breathing appartus and bungee jumping.