Plan Detail

Plan Administrator: Petersen International Underwriters | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

• Plan best suited - US resident & citizens.
• Ages - 60 yrs to 95 yrs old person.
• Coverage length - Minimum 1 months.

Limitations and Exclusions

Conditions:

• Benefits are paid directly to you to reimburse you for eligible medical expenses which have been paid by you, unless we agree to pay the provider directly. Unless and until we agree, this is a reimbursement plan.
• The policy is issued on the basis of information given in the Application. A copy of the Application becomes a part of the policy of Insurance.
• Material misstatement or concealment of health information made by or on behalf of you may render the insurance null and void.
• Notice of claim is to be given at the earliest possible date.
• Benefits shall be paid for all eligible expenses which are necessarily incurred due to an illness manifesting itself or an accidental bodily injury occurring during the period of insurance.
• These benei ts are available only if there is no other source of funding available through any government insurance or private programs.

Expenses which have limitations include:

• Alzheimer’s disease is limited to a lifetime maximum benei t of $25,000.
• Cardiac and/or Cancer related conditions are limited to a maximum benei t of $25,000 the i rst 180 days at er inception of the i rst Policy. At er 180 days, benei ts will be paid as any other condition.
• Cataract surgery and procedures are limited to a maximum benei t of $2,000.

Expenses which are not covered include:

Any expense which you are not legally obligated to pay, services which are not medically necessary or are not furnished by and under supervision of a Physician, any type of expense for which payment was made by Medicare or any other private or public program, expenses incurred in excess of usual, customary, and reasonable charges in your home area, outpatient drugs, self-inl icted injuries while sane, treatment of alcoholism, drug addiction, allergies, and nervous or mental disorders, rest cures, quarantine or isolation, cosmetic and plastic surgery unless necessitated by an accidental injury, dental exam, dental x-rays and general dental care except as the result of an accidental injury, eye glasses, hearing aids, general or routine exams, coverage outside the boundaries of the United States, injuries due to war or any act of war, whether declared or undeclared, or while committing a criminal or felonious act, or expenses for or resulting from subjective pain. Injuries sustained from participation in hazardous sports (mountaineering, hang gliding, scuba diving, etc.). h is policy will automatically cease upon eligibility of the insured into the United States Medicare System. It is your responsibility to enroll in Medicare when you are first eligible.