Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London
| Basic Schedule | Enhanced Schedule | |
| Maximum Limit | $5,000,000 Maximum Limit | $5,000,000 Maximum Limit |
| Deductibles | $250, $500, $1,000, $2,500, $5,000, $10,000 per Member per Coverage Period per Participating Member | $250, $500, $1,000, $2,500, $5,000, $10,000 per Participating Member per Coverage Period |
| Family Deductible | Maximum of 2 Deductibles per Family per Coverage Period | Maximum of 2 Deductibles per Family per Coverage Period |
| Coverage Area |
Area 1- Worldwide- Including U.S. & Canada. Area 2- Worldwide- Excluding US & Canada. |
Area 1 - Worldwide- Including U.S. &Canada. Area 2- Worldwide- Excluding US & Canada |
| Coinsurance - (Claims incurred in US or Canada) | After the Deductible the Plan will pay 80% of the next $5,000 of Eligible Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO network | After the Deductible the Plan will pay 90% of the next $5,000 of Eligible Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived if expenses are incurred within the PPO network |
| Coinsurance - (Claims incurred outside US or Canada) | After the Deductible the plan pays 100% of Eligible Expenses to the Maximum Limit | After the Deductible the plan pays 100% of Eligible Expenses to the Maximum Limit |
| Pre-certiication Penalty | 50% of Eligible Expenses | 50% Eligible Expenses |
| Pre-existing Condition | $10,000 Sub-Limit per Coverage Period, $50,000 Maximum Sub-Limit. (After 728 days of continuous coverage**) | Same as any other Injury or Illness if fully disclosed on the Application and not excluded or limited by a medical rider (After 364 days of continuous coverage**) |
| Maternity - Normal/Complicated Delivery | Optional Rider - $10,000 Sub-Limit per Coverage Period, $50,000 Maximum Sub-Limit | Same as any other Illness, additional $5000 Maternity Deductible, $100,000 Maximum Sub-Limit (After 364 days of continuous coverage**) |
| Newborn Care | Included as part of Maternity benefits for first 31 days of life | Included as part of Maternity benefits for first 60 days of life |
| Human Organ/ Tissue Transplant | $500,000 Maximum Sub-Limit for Covered Transplants | $2,000,000 Maximum Sub-Limit for Covered Transplants |
| Hospital Room and Board (Coverage Area 1 & 2) | Average Semi-Private room rate | Usual, Reasonable and Customary |
| Intensive Care Unit - Coverage Area 1 & 2 | Usual, Reasonable and Customary | Usual, Reasonable and Customary |
| Emergency Dental Due to Accident | $500 Sub-Limit per Coverage Period | |
| Local Ambulance | $1,500 Sub-Limit per Coverage Period when covered Illness or Injury results in Hospitalization. Not subject to Deductible and Coinsurance. | Usual, Reasonable and Customary |
| Surgery | Usual, Reasonable and Customary | Usual, Reasonable and Customary |
| Prescription Medications | Reimbursement Only. Usual, Reasonable and Customary charges. Subject to 20% Coinsurance in the US | Reimbursement Only. Usual, Reasonable and Customary charges. Subject to 20% Coinsurance in the US |
| Vision Care | $250 Sub-Limit per Coverage Period for exams and materials (After 364 days of continuous coverage**) | |
| Mental & Nervous Disorders | $10,000 Sub-Limit per Coverage Period for Outpatient Treatment only. $25,000 Maximum Sub-Limit (After 728 days of continuous coverage**) | $50 per day for Outpatient care. $15,000 Sub-Limit per Coverage Period, $30,000 Maximum Sub-Limit. (After 364 days of continuous coverage**) |
| Wellness - Adult | $250 Sub-Limit per Coverage Period for Participating Members age 25 and over. Not subject to Deductible or Coinsurance (After 180 days continuous coverage**) | $350 Sub-Limit per Coverage Period, Participating Members age 25 and over. Not subject to Deductible or Coinsurance. (After 90 days of continuous coverage**) |
| Wellness - Child | $175 Sub-Limit per Coverage Period for Participating Members age 18 and under. Not subject to Deductible or Coinsurance (After 90 days of continuous coverage**) | $200 Sub-Limit per Coverage Period. Participating Members age 18 and under. Not subject to Deductible or Coinsurance (After 60 days of continuous coverage**) |
| Complimentary Medicine | $175 Maximum Sub-Limit per Coverage Period, One service per Coverage Period for Acupuncture, Aroma Therapy, Herbal Therapy, Massage Therapy or Vitamin Therapy (After 364 days of continuous coverage**) | |
| High School Sports Injury | $10,000 Maximum Sub-Limit. Subject to additional $250 Deductible | |
| All Other Medical Expenses | Usual, Reasonable, and Customary | Usual, Reasonable and Customary |
| Emergency Room - Illness/Accident | Usual, Reasonable, and Customary. Subject to an additional $250 Deductible if Illness or Injury does not result in Hospitalization | Usual, Reasonable, and Customary. Subject to an additional $250.00 Deductible if Illness or Injury does not result in Hospitalization |
| Emergency Medical Evacuation | $50,000 Maximum Sub-Limit. $25,000 Maximum Sub-Limit for Participating Members age 65 and older | $110,000 Maximum Sub-Limit, $55,000 Maximum Sub-Limit for ages 60 and older |
| Return of Mortal Remains | Reimbursement up to $25,000 for the return of a Participating Members mortal remains to his/her home country. Not subject to Deductible or Coinsurance | Reimbursement up to $30,000 for the return of a Participating Members mortal remains to his/her home country. Not subject to Deductible or Coinsurance |
| Emergency Reunion | Reimbursement up to $7,500 for travel expense related to the Emergency Reunion of a relative or friend resulting from a Emergency Medical Evacuation of a Participating Member | |
| Extreme Sports | Optional Rider - $50,000 Sub-Limit per Coverage Period | |
| Dental Coverage | Optional Rider - $750 Maximum Limit per Participating Member per Calender Year. $50 Deductible per Participating Member. Schedule of Benefit payout: Class A=90%; Class B=70%; Class C=50%; Ortho=No coverage (After 180 days of continuous coverage**) | Optional Rider - $750 Maximum Limit per Participating Member per Coverage Period. $50 Deductible per Participating Member. Schedule of Bene ts Payout: Class A= 90%; Class B= 70%; Class C= 50%; Othro= No coverage (After 180 days of continuous coverage**) |
**With regard to the foregoing Schedule of Benefits/Limits, the references to “continuous coverage” mean continuous unbroken coverage under the Beacon/Axis Series Group Insurance Trust (Anguilla). The applicable benefits described will become first available to the Participating Member only at the end of the continuous Coverage Period so specified.
* This is only a consolidated and summary description of some of the current Azimuth Risk Solutions benefits, conditions, limitations and exclusions. An Evidense of Insurance containing the terms, conditions and exclusions will be included in the fulfillment kit. Azimuth reserves the right to issue the most current Evidence of Insurance for this plan in the event this application and / or brochure has expired, is modified, or is replaced with a newer version. A complete copy of the Master Policy is available at all times upon request.
In the event you suffer a life threatening injury or illness, the Meridian Series provides benefits that are prepared to respond in a time of crisis. Emergency medical evacuation provides transportation to the nearest facility that is equipped to properly care for your condition. This does not necessarily mean a return to your home country or any specific country or territory, as the condition may demand treatment in a timely fashion which would not be the case if it was necessary for you to be repatriated. All emergency medical evacuations must be pre-certified and coordinated by Azimuth Risk Solutions to be eligible for coverage.
We know it’s important not to feel alone at a time of crisis, so the Meridian Series provides coverage to transport an immediate family member or friend to your bedside in the event you are evacuated. The Meridian Series will pay for round trip air or ground travel as well as lodging and meals for up to 15 days so that you will have companionship during your recovery.
International living can be financially challenging for a family and the Meridian Series helps make insurance affordable, thanks to our First Two Free feature. Families enjoy the benefit of having the first two children under age 10 covered at no extra charge if their parents are insured on the pla
Azimuth wants to make you smile and the optional dental rider can help keep that smile looking great. By selecting this optional benefit plan, you can protect yourself from high dental costs.
Illness waiting period – for 180 days from your Effective Date, the following are ineligible for coverage: asthma, allergies, any condition of the breast, any condition of the pro-state, tonsillectomy, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, diverticulitis, hysterectomy, hernia, intervertebral disc disease, gall stones or kidney stones.