MCIS Flexible Travel Insurance - Excluding USA

Plan Detail

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

Benefits


Schedule of Benefits

All benefits and plan costs listed in this brochure are in U.S. Dollar amounts and are per person and per period of coverage, unless otherwise stated. All benefits are subject to deductible and coinsurance unless otherwise stated.

General Provisions

U.S Coverage Optional
Medical Maximum $25,000; $50,000; $100,000; $500,000; $1,000,000
Age 65-79 limited to $50,000
Age 80+ limited to $15,000
Deductible (per person) $0; $100; $250; $500; $1,000; $2,500
Coinsurance Traveling Outside the United States:
After you pay the deductible, the plan pays 100% to the medical maximum.
Traveling Inside the United States:
For Treatment received within the UHC network:
After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
For Treatment received outside the UHC network:
After You pay the Deductible, the plan pays 80% of eligible expenses up to the selected Medical Maximum.
Pre-certification Requirements (only applicable inside the U.S.) Failure to follow Pre-certification Requirements will result in a 50% reduction of benefits. (See Precertification Requirements.)
Benefit Period 180 Days
Assistance Services Included

Base Medical Benefits and Services: Injuries Only

Hospital Room & Board, Intensive Care, & Outpatient Medical Expenses Reasonable & customary to the medical maximum
Local Ambulance Benefit Reasonable & customary to the medical maximum
Hospital Indemnity $150 per night, up to a maximum of 30 days per person per occurrence
(For individuals traveling outside the U.S. only.)
Emergency Room visit due to Injury Reasonable & customary to the selected medical maximum
Coma Benefit $50,000 (in addition to the medical maximum)
Loss or Theft of Passport or Travel Documents Up to $100 per policy for administrative expenses (Requires proof of loss/theft from hotel, carrier or police report.)
Accidental Death & Dismemberment (AD&D) $50,000 principal sum for insured or insured spouse
$5,000 principal sum for dependent child
Aggregate limit of $250,000 per family
Note: In the event of a Common Carrier
Accidental Death, this benefit will not be paid.
Common Carrier Accidental Death $100,000 principal sum for insured or insured spouse
Home Country Coverage Incidental Trips to The Home Country: $50,000
Home Country Extension of Benefits: $5,000

Optional: Crisis Event Rider

Terrorism Reasonable & customary to the medical maximum
Political Evacuation $10,000
Felonious Assault $10,000 (in addition to the medical maximum)
Natural Disaster Benefit $200 per day for 5 days
Natural Disaster Evacuation/Repatriation $10,000 (only available for travel outside the United States)

Optional: Trip Benefit Rider

Interruption of Trip $5,000
Loss of Checked Baggage $250 per person per occurrence.

Optional: Emergency Services & Assistance Rider

Emergency Medical Evacuation/Repatriation $1,000,000 (in addition to the medical maximum)
Return of Minor Children $50,000
Return of Mortal Remains $50,000
Local Cremation or Burial $5,000 for local cremation or burial
Emergency Medical Reunion $50,000
Dental Emergency Treatment (Sudden Relief of Pain) $100 (only available to programs purchased for 1 month or more)
Dental Emergency Treatment (Accident Coverage) Up to the medical maximum (only available to programs purchased for 1 month or more)

Optional: Illness Coverage Rider

Adds Base Medical Benefits and Services coverage for Eligible Medical Expenses due to an illness.

Misuse of Emergency Room Deductible $250 if the visit does not result in an inpatient admission.
Waiver of Pre-existing Conditions Available only for U.S. Residents traveling outside the United States.
Age 64 and under: If the insured has a Primary Health Plan, the benefit covers to the medical maximum (for persons age 65 and over, the amount is limited to $2,500). If the insured does not have a Primary Health Plan, the benefit covers the first $20,000 in eligible medical expenses (for persons age 65 and over, the amount is limited to $2,500).
Acute Onset of Pre-existing Conditions Available only for non-U.S. residents under age 70 traveling outside their home country. The benefit covers up to $50,000 (Ages 70-79, up to $15,000, Age 80+, no benefit).
Up to an additional $25,000 for Emergency Medical Evacuation for an Acute Onset of a Pre-Existing Condition.

Optional: Benefit Enhancement Rider

Increases In-network Coinsurance to 100% and increases Acute Onset of Pre-existing Conditions.

Coinsurance Traveling Outside the United States:
After you pay the deductible, the plan pays 100% to the selected medical maximum.
Traveling Inside the United States:
For Treatment received within the UHC network:
After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
For Treatment received outside the UHC network:
After You pay the Deductible, the plan pays 80% of eligible expenses up to the selected Medical Maximum.
Acute Onset of Pre-existing Conditions Available only for non-U.S. residents under age 70 traveling outside their home country. This benefit adds an additional $25,000 in medical coverage. (Ages 70-79, up to $15,000, Age 80+, no benefit) The benefit adds an additional $50,000 for Emergency Medical Evacuation for an Acute Onset of a Pre-Existing Condition.

Optional: Hazardous Sports Rider

Covers motorcycle/motor scooter riding (as a passenger or driver), hang gliding, parachuting, zip lining, parasailing, bungee jumping, water skiing, wakeboard riding, jet skiing, windsurfing, snowmobiling, and spelunking.

Optional: Personal Liability Rider

Up to $100,000 for covered expenses

Base Medical Benefits

Medical Coverage – With the base medical benefits and services, we cover injuries that occur during your period of coverage. If you need coverage for illnesses, choose the optional benefit labeled Illness Coverage Rider. Benefits are paid in excess of your deductible and coinsurance up to your medical maximum.

Coma Benefit – Pays benefits if you become comatose due to an accident.

Accidental Death & Dismemberment (AD&D) – Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring on your trip.

Common Carrier Accidental Death – Pays benefits for death occurring while riding as a passenger on a common carrier (land, sea, and air conveyance transporting passengers for hire).

Home Country Coverage – Covers injuries (illnesses are covered if you buy the optional illness coverage rider) which occur in your home country in two ways.

  • Incidental Trips – Covers incidental trips to your home country. You earn covered days for incidental trips at approximately 5 days per month of purchased coverage.
  • Extension of Benefits – Covers expenses incurred in your home country for conditions first diagnosed and treated outside your home country for 180 days from the onset of the covered injury or illness.

Optional Emergency Assistance and Services

Emergency Medical Evacuation* – If medically necessary, we will:

1. Transport you to adequate medical facilities.

2. Transport you home after receiving medical treatment related to a medical evacuation.

Return of Minor Children* – If you are traveling alone with minor children and are hospitalized because of a covered illness/injury, we will transport the children home with an escort.

Return of Remains/Local Cremation of Burial* – We will return your remains to your home country if you should die while traveling or we will pay for cremation or burial in the country of your death.

Emergency Reunion* – If you require an emergency medical evacuation, we will send one person of your choice to be at your side while you are hospitalized.

Optional Illness Coverage

Provides 1) base medical benefits and services coverage for an illness and 2) two different types of coverage for pre-existing conditions.

What is a pre-existing condition? It is any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, regardless of the cause, including congenital, chronic, subsequent, or recurring complications or consequences related to or resulting from that existed with reasonable medical certainty when you applied for this insurance and any time during the 36 months before the start date of this plan whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed.

Waiver of Pre-Existing Conditions for U.S. Residents Traveling Outside the United States – We pay up to the stated limit for a sudden, unexpected recurrence of a pre-existing condition. This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatment existent or necessary prior to the start date of this plan.

Acute Onset of Pre-Existing Conditions for Non-U.S. Residents Younger Than 80 Traveling in the United States

We pay up to the stated amount for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. Coverage is provided until the earliest of: 1) The condition is no longer acute; or 2) You are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, we provide up to the stated limit for emergency medical evacuation. An Acute Onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A pre-existing condition will not be considered an acute onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to arrival in the United States and prior to the coverage start date.

Optional Benefit Enhancement

Increases in-network coinsurance to 100% and increases the limit for acute onset of pre-existing conditions.

Coinsurance Increase – For travel in the U.S. and treatment in the UHC network, coinsurance is increased from 80% to 100%. This means you pay less for eligible treatment in the network.

Acute Onset of Pre-Existing Conditions Increase – Limits are increased as shown in the schedule.

Optional Crisis Event Coverage

Provides various crisis event benefits:

Terrorism – If you are injured due to terrorist activity, we will provide benefits if the following conditions are met:

1. You have no direct or indirect involvement.

2. The terrorist activity is not in a country or location where the United States government has issued a travel warning within 6 months prior to your date of arrival.

3. You have not unreasonably failed or refused to depart a country or location following the date a warning is issued by the United States government.

Political Evacuation & Return of Remains* – If a formal recommendation is made for you to leave your host country, we will transport you to the nearest safe place or to your home country.

This benefit will not apply if Travel Warnings were issued by the State Department or other appropriate authorities recommending travelers avoid the host country, and you did not follow it.

Felonious Assault – Pays benefits if you are hurt due to a felonious assault while traveling.

Natural Disaster – We will pay for replacement accommodations needed because of a natural disaster. You must provide proof of payment for the accommodations from which you were displaced.

Natural Disaster Evacuation* – If you need an emergency evacuation due to a natural disaster which makes your host country location uninhabitable (as deemed by Seven Corners security personnel and as described in the plan document), we will arrange and pay for evacuation from a safe departure point to the nearest safe location. We will arrange and pay up to a maximum of 3 days for accommodations for lodging if you are delayed at the safe location. We will also arrange and pay for one-way economy airfare to return you to your home country after evacuation.

Optional Trip Benefits

Interruption of Trip* – If you cannot continue your trip due to an immediate family member’s death or because of damage to your residence (fire, flood, tornado, or similar natural disaster), we will reimburse you for the cost of economy travel to your home.

*Failure to use Seven Corners Assist to arrange these services will result in the denial of benefits.

Optional Hazardous Sports

Provides coverage for the sports listed in the schedule of benefits.

Optional Personal Liability

We will pay for eligible court-entered judgments or settlements (settlements must be approved by us) that are related to the personal liability you incur for acts, omissions, and other occurrences for losses or damages caused by your negligent acts or omissions that result in: 1) injury to a third person; 2) damage or loss to a third person’s personal property; 3)damage or loss to a related third person’s personal property.