Beacon America

Plan Detail

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

Benefits


Benefit Limit
Maximum Limits: $60,000; $110,000; $550,000; $1,100,000 or $2,000,000 (ages 70-79, $50,000 Maximum Limit; ages 80+, $12,000 Maximum Limit).
Deductibles: $0; $50; $100; $250; $500; $1,000; $2,500 per Coverage Period.
Coinsurance (Subject to the Deductible): The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the MultiPlan PPO Network. The plan will pay 80% of the next $5,000 of Eligible Expenses incurred outside PPO Network, the plan will then pay 100% to the Maximum Limit. The plan pays 100% of Eligible Expenses for claims incurred outside the US & Canada.

Outpatient Services

Prescription Drugs: Usual, Reasonable and Customary. Reimbursement Only and subject to 20% Coinsurance for claims incurred inside the US.
Physician Visit: Usual, Reasonable and Customary charges.
Physical Therapy: $60 Maximum Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period. Physical Therapy must be referred by a Licensed Physician.

Hospital Services

Pre-Certification Penalty: 50% of Eligible Expenses.
Emergency Room Illness or Injury: Usual, Reasonable and Customary charges. Subject to an additional $250 deductible if Illness or Injury does not result in hospitalization.
Hospital Room and Board: Average semi-private room rate, which would include nursing services.
Hospital Indemnity: $150 per night (7 night Maximum); for Inpatient Hospitalization (Outside the US and Canada only).

Other Benefits

All Other Eligible Medical Expenses: Usual, Reasonable and Customary charges.
Sudden Onset of Pre-existing: $50,000 or $150,000 Maximum Sub-Limit for Eligible Medical Expenses. $25,000 Sub-Limit for Emergency Medical Evacuation.
Dental (Injury as result of Accident): Available for Policies purchased for 180 days or more: $1,000 Maximum Sub-Limit per Coverage Period.
Dental (Acute onset of pain): Available for Policies purchased for 180 days or more, $500 Maximum Sub-Limit per Coverage Period.
Emergency Medical Evacuation: Up to the Policy Maximum Limit. Up to $25,000 when provided under the Sudden Onset of Pre-existing Condition benet.
Quick Trip Home Country Coverage: 14 days cumulative Home Country Coverage, subject to 90 day minimum Policy purchase.
Return of Mortal Remains: $50,000 Maximum Sub-Limit.
Return of Minor Child: $50,000 Maximum Sub-Limit.
Complications of Pregnancy: Up to 26 weeks gestation. Usual, Reasonable and Customary charges.
Urgent Care Services: $35.00 Copayment per visit, Subject to Coinsurance. Not subject to the Deductible.
Local Ambulance: Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization.
Lost Checked Luggage: $500 Maximum Sub-Limit per Coverage Period (Not subject to Deductible or Coinsurance).
Trip Delay / Missed Connection: $100 Maximum Sub-Limit per day (2 days Maximum), after a 12-hour delay period.
Emergency Reunion: $50,000 Maximum Sub-Limit.
Terrorism: $50,000 Maximum Sub-Limit; Medical expenses only.
Durable Medical Equipment: Usual, Reasonable and Customary charges. Limited to a standard hospital bed and/or wheelchair.
Optional Extreme Sports Rider: $50,000 Maximum Sub-Limit per Coverage Period.
Quick Trip Home Country Coverage (End of Trip): 15 days Free with a Policy purchased for 180 day or more or 30 days Free with a Policy purchased for 364 days.
Third Party Liability: $500 Maximum Sub-Limit.
Political Evacuation: $20,000 Maximum Sub-Limit (Not subject to Deductible or Coinsurance). As dened in the Policy.
Common Carrier Accidental Death (Not subject to Deductible or Coinsurance):
  • Participating Member age 18 and older, $50,000 Principle Sum;
  • Participating Member under age 18, $30,000 Principle Sum;
  • $250,000 Maximum Principal Sum Benefit any one family.
Accidental Death and Dismemberment (AD&D) Participating Members age 18 and older (Not subject to the Deductible or Coinsurance):
  • Up to $30,000 Maximum Principal Sum;
  • Death of Insured Person= $30,000;
  • Death of Spouse= $20,000;
  • Death of Child(ren) = $6,000;
  • Loss of 2 or more Limbs or Loss of sight in both eyes= $30,000;
  • Loss of 1 Limb or Loss of sight in one eye= $15,000;
  • Age 70-74 benefits are reduced by 50%;
  • Age 75+ benefits are reduced by an additional 50%;
  • $250,000 Maximum Principal Sum Benefit any one family.
Accidental Death and Dismemberment (AD&D) Participating Members under the age 18: (Not subject to the Deductible or Coinsurance):
  • Up to $6,000 Maximum Principal Sum;
  • Death of Insured Person= $6,000;
  • Loss of 2 or more Limbs or Loss of sight in both eyes= $6,000;
  • Loss of 1 Limb or Loss of sight in one eye= $3,000;
  • $250,000 Maximum Principal Sum Benefit any one family.
Rental Car Deductible Reimbursement: Up to $500 Maximum Sub-Limit.
Not subject to Deductible.
Injury Resulting from Sports: $10,000 Maximum Sub-Limit per Coverage Period.
Bedside Visit (Outside the US only): Up to $1,000 Maximum Sub-Limit.
Participating Member must be Hospitalized for at least 5 days.
Reimbursement only.

*This is a consolidated description of Benefits and Limits. A full version of the Evidence of Insurance or Master Policy with a complete list of Benefits, Conditions, Limitations and Exclusions is available upon request.

Political Evacuation

If you spend any time reviewing the headlines, you know the potential for a crisis to appear seemingly out of nowhere is real and present. The Beacon Series offers up to $20,000 in coverage in the event the US Department of State issues a travel warning on or after your effective date, contact Azimuth within 5 days for assistance in coordinating travel to an alternate destination.

Third Party Liability

If you are traveling away from your home country and outside of the US, the Beacon Series now offers up to $500 in coverage for Third Party Liability. So, be careful, but if you did knock over that lamp in the hotel lobby, you can feel better knowing that you have protection that goes where you go.

Emergency Medical Evacuation

It is likely that the most significant financial and personal risk you face abroad is the need for an emergency medical evacuation. In the case of a life threatening injury or illness, the Beacon Series provides coverage to transport you to the nearest facility, which can properly care for you. We know it is important not to feel alone in a time of crisis, which is why the Beacon Series also provides coverage for the transportation of an immediate family member or friend to your bedside in the event of an Emergency Medical Evacuation.

Note: All benefits discussed here are as indicated in the Beacon Series Schedule of Benefits.

Free Home Country Coverage – End of trip

A long time away from home requires a little time to get acclimated to life back home. That is why the Beacon Series provides you with 15 days of free coverage with a 180+ day Policy purchase or 30 days of free coverage with a 364+ day Policy purchase.

Highest Maximum Limits Available

Azimuth works to provide the best value in the market! If getting the most for your premium dollar matters to you then the clear choice is the Beacon Series.

Terrorism

The daily news offers a regular reminder of the challenging environment in which we live. Terrorism, by its very nature is meant to take advantage of the unaware and unprepared. While we cannot stop these events from occurring, the Beacon Series is prepared to help with covering the expenses for medical care in case you are injured in such an attack.

Optional Extreme Sports Rider

If your lifestyle often takes you on the path less traveled, Azimuth Risk Solutions has an Optional Rider designed just for you. Participation in recreational/resort sports such as beach volleyball or snorkeling are included Free as a part of an Exclusive benefits offered in the Beacon Policy. That is where the Optional Extreme Sports Rider takes over. Extreme recreational activities from four different elements include: Earth, Water, Wind and Snow. The Optional Extreme Sports Rider provides up to $50,000 of coverage for eligible activities. The Accidental Death & Dismemberment benefit does not apply when you are engaged in sports and/or hazardous activities.

Trip Delay

As we all know, travel can be frustrating at times and trip delays are often a big part of that frustration. In the event your travel is significantly delayed, the Beacon Series provides up to a $100 per day to help defray unexpected expenses resulting from such delays.

Quick Trip Home Coverage

Longer trips may require that you return home for a brief time to manage your affairs. Perhaps it is important to be home for the holidays; if so, the Beacon Series has you covered. If you purchase at least 90 days of coverage, the Beacon Series provides coverage in your home country for up to 14 days with the Quick Trip Home benefit, after which you would then complete your international travel.