Meridian Basic and Enhanced

Plan Detail

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


Does International Medical Insurance Make Sense for Me?

If it matters to you to have flexibility and security in where, when and how you receive your health care services, the Meridian Series can offer you peace o f mind. This peace comes from t he knowledge that you will have the ability to access the best medical care available, either in your country of residence, or anywhere you may elect to go in the world. The Meridian Series of plans provides you with a private medical care alternative that allows you to choose from any provider, no matter where they practice in the world and know that you have the ability to positively impact the quality of your medical services. Whether you are seeking the richest schedule of benefits in the market today with our Meridian Enhanced Plan or need an essential set of affordable, predictable benefits with our Meridian Essential Plan, Azimuth Risk Solutions has created a plan to make what is important to you important to us.

Who Is Eligible for the Meridian Series?

Clients who qualify medically and are more than 14 days old and under the age of 65 who either live outside of the United States, or who would not qualify for a US domestic health insurance plan as a result of their citizenship status would be able to apply for the plan and once accepted, would be able to continue indefInitely with no medical questions subject to the terms of the Evidence of Insurance. Those clients who qualify medically and are accepted on the plan after the age of 65 would be able to continue on their plan up to their 75th birthday. If you are a US citizen, you must depart the US within 30 days of your Effective Date for each Coverage Period of insurance and within 30 days of your continuation of coverage date.

Who Insures This Plan?

The preeminent name in international insurance is Lloyd’s, London. This largest, oldest and most respected insurance market is the insurer on all Azimuth Risk Solutions plans. You will have the security of knowing that you are working with an insurer which has paid every valid claim presented to it for more than 325 years. Lloyd’s is ‘A’ rated by AM Best and Standard & Poor’s for their superior ability to pay claims.

Who Is Azimuth Risk Solutions?

Headquartered in Indianapolis, Indiana, Azimuth Risk Solutions (Azimuth) is a service-first organization formed by professionals with nearly 30 years in the international insurance industry to provide simply the best value combination of product offering, administration and support after the sale of international health, travel and life insurance products. If it’s important to you to do business with an organization that is committed both to service excellence, ethical conduct and philanthropic pursuits, Azimuth is the choice to meet your requirements. Azimuth is a Coverholder for our insurer, certain Underwriters at Lloyd's London and the Scheme Administrator for the Meridian Series.

The Meridian Difference

There are different choices available to you in the international medical insurance market; the key is selecting an insurance provider which you can be confident will be available to you at your time of need, which understands the culture of international living and has the security to weather the financial environment in the world as it is today. By choosing either Meridian Essential or Meridian Enhanced, you can be certain that you have made the correct selection on all counts.

The Meridian Speed Underwriting

The Meridian Series plans involve a review of your application by underwriters to determine your eligibility for coverage and acceptance on the plan. Even though no one likes to wait, rest assured that Meridian underwriting is extraordinary in its speed, accuracy and efficiency. Meridian Essential applications are routinely reviewed and processed within 48 business hours and Meridian Enhanced are regularly reviewed and processed within 72 business hours, provided we receive all necessary information. Once accepted on the plan, you will receive confirmation of coverage via email if you provide the infomation, followed by a complete fulfillment kit containing your Evidence of Insurance, identification card(s), Azimuth claim form, welcome letter and receipt for the transaction. If your application is declined, your premium will be refunded in total.

Your full satisfaction is our goal and after receiving your fulfillment you have the opportunity for a 7 day review of the plan. If for any reason you are not completely satisfied you may cancel your plan, via written notice to Azimuth Risk Solutions and receive a full refund of your paid premium amount. After this 7 day period has elapsed, you may cancel at any time by providing 60 days written notice to Azimuth Risk Solutions. Your unearned premium amount will be returned, less a Short Rate Cancellation Fee which is included in the fulfillment kit.

Meridian Essential

The Meridian Essential plan provides a premium menu of essential, generous, yet affordable benefits. If great value at a price which will still allow room for the rest of life’s expenses is vital to you, the Meridian Essential plan is the right fit for you.

Meridian Enhanced

The Meridian Enhanced plan offers the premier benefits available in the international medical insurance market today. If it is important to you that only the best medical insurance plan will be sufficient for you, the Meridian Enhanced plan provides the richest in benefits while still offering you the kind of quality premium value that only Azimuth is able to provide.