|
|
Benefits
| Travel Gap Multi Trip Benefits |
| Medical Benefits |
Silver |
Gold |
| Maximum International Benefits per Insured Person per policy period |
$50,000 |
$250,000* |
| *For Individuals aged 70 - 84, the Maximum International Medical Benefit for TravelGap Gold is $100,000. |
| Maximum Domestic Benefits per Insured Person per policy period |
$2,500 |
$25,000 |
| Deductible per Insured Person per policy period* |
$50 |
| *Deductible waived for physician and hospital services delivered by HTH International Healthcare Community Providers. |
| After the Deductible is satisfied, benefits are paid for Covered Expenses as follows up to the Medical Limit: |
| Benefits |
Insurer Pays After Medical Benefit Deductible is Paid |
| Professional Services: |
| a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab |
100% |
| b. Office Visits: including X-rays and lab work billed by the attending physician. |
100% |
| Inpatient Hospital Services: |
| a. Surgery, X-rays, In-hospital doctor visits |
100% |
| b. In-patient medical emergency |
100% |
| Ambulatory Surgical Center |
100% |
| Ambulance Service (non Medical Evacuation) |
100% up to $1000 |
| Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor) |
Maximum Benefit up to $10,000 |
| Outside the U.S. Outpatient prescription drugs |
100% of Covered Expenses |
| Dental Care required due to an Injury |
100% of Covered Expenses up to $200 maximum per Trip Period and $200 per tooth |
| Dental Care for Relief of Pain |
100% of Covered Expenses up to $100 maximum per Trip Period and $100 per tooth |
| Other Benefits |
Insurer Pays Without a Deductible Being Applicable |
| Silver |
Gold |
| Accidental Death And Dismemberment |
$0 |
$25,000 |
| Repatriation Of Remains |
$15,000 |
$25,000 |
| Medical Evacuation |
$250,000 |
$500,000 |
| Bedside Visit |
Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person |
The benefits outlined in the table show the payment percentages for Covered Expenses AFTER the Insured Person has satisfied any Deductibles and prior to satisfaction of his/her Out-of-Pocket. Covered Expenses are based on Reasonable Charges which may be less than actual billed charges. Providers can bill the Insured Person for amounts exceeding Covered Expenses.
Eligibility
Available to U.S. residents, age 84 or younger, who live in approved states. Individuals aged 70-84 are eligible only for a $100,000 medical limit. See Eligibility Requirements.
Covers all domestic and international trips (up to 70 days duration per trip) in a 12 month period. Participants must be enrolled in a Primary Health Plan. There is no pre-existing condition exclusion.
Please note: you can only purchase this policy prior to departing on your trip.
Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our TravelGap Multi-Trip Product, simply return your Certificate of Insurance and your ID Card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on a trip before the date of your letter, you will receive a full refund.
|
USA Office