Visitors Care

Plan Detail

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International



RENEWAL / AMENDMENT: The Insured Person can request coverage under the Visitors CareSM plan to be renewed for extended Periods of Coverage from five (5) days to twelve (12) months up to a maximum total of twenty-four (24) continuous months. Renewability is subject to the Insured Person’s continued eligibility for the plan. Any one (1) Period of Coverage may not exceed twelve (12) months. If any Period of Coverage under this insurance has lapsed or terminated for any reason, coverage under the Visitors Care plan cannot be renewed, but may be separately written under a new Certificate (only after all applicable eligibility guidelines are met). A new Application with premium must be received by the Company in order to effect newly written coverage, and upon acceptance, a new Certificate will be issued and a new initial Period of Coverage will be established. New deductibles, scheduled benefit limits and sub-limits, conditions of coverage, eligibility requirements, and Pre-existing Condition exclusions will apply to any separately written and non-continuous coverage periods.

(a) At the time of any request for renewal, the Insured Person must satisfy all of the then-current eligibility requirements for this insurance, as established by the Company at its sole discretions (refer to the ELIGIBILITY provision for further details.); and

(b) The maximum period of continuous coverage under this insurance, including the initial Period of Coverage and any renewed and extended Period(s) of Coverage, may not exceed a total of twenty-four (24) continuous months; and

(c) New Deductible and Coinsurance will apply for each Period of Coverage under this insurance; and,

(d) Upon the Company’s acceptance of a renewal Application, a new declaration of insurance and the then-current form of Certificate of insurance for this insurance plan will be issued to the Insured Person by the Company.

The Company’s commitment and the Insured Person’s ability to renew is also subject to termination upon thirty (30) days written notice to the other party prior to the expiration date of the then existing Period of Coverage. The Company reserves the right in its sole discretion to make changes, additions and/or deletions to the Terms of the Master Policy, this Certificate, renewals or replacements of either, and/or to the insurance plan (including the issuance of Riders to effectuate same) at any time or from time to time after the Effective Date of Coverage of this Certificate, upon no less than ninety (90) days prior written notice to the Assured and the Insured Person (Notice of Amendment). The Notice of Amendment shall include a complete description of the changes, additions and/or deletions to be made, the Effective Date thereof (the Change Date), and notice of the Insured Person’s cancellation rights as set forth below, and shall be sent first class mail, postage pre-paid, to the last known residence or mailing address of the Insured Person. Upon issuance of the Notice of Amendment, the Assured and/or the Insured Person shall have the right to request cancellation of this Certificate pursuant to the provisions above, at any time prior to the Change Date; provided, however that cancellation under this provision shall be at the option of the Insured Person, and coverage under this insurance shall terminate with effect from the cancellation date specified by the Insured Person (subject to the TERMINATION OF COVERAGE FOR INSURED PERSONS provision). If the Insured Person does not elect to cancel this Certificate in accordance with the foregoing, the changes, additions and/or deletions as made by the Company and specified in said Notice of Amendment shall take effect as of the Change Date specified in the Company’s Notice, and this insurance shall thereafter continue in effect in accordance with its Terms, as so amended and modified.