| Plan Information & Highlights |
Maximum Policy Limit Options
- Maximum Aggregate Sum Insured
- Per Insured Person | $50,000 / £30,000 / €40,000
$100,000 / £60,000 / €75,000
$500,000 / £300,000 / €400,000
$1,000,000 / £600,000 / €800,000
$2,000,000 / £1,250,000 / €1,500,000
| Excess Options
- Per Insured Person | $0 / £0 / €0
$100 / £60 / €75
$250 / £150 / €200
$500 / £300 / €400
$1,000 / £600 / €800
$2,500 / £1,600 / €2,000
| Area of Cover Options
(* All zones exclude coverage within your Home Country i.e. country of primary residence (as identified on your application).
| - Europe* (as defined)
- Worldwide excluding USA & Canada*
- Worldwide*
| | Trip Duration Options
| Five days to two Years.
Incrementally extendable up to two years if initial one month purchase and no break in cover.
| | Available After Departure
| Yes
| | Coverage Extension Period
| Up to Six Months
past policy expiry date for continued treatment
| Co-Insurance
- Treatment received outside the USA & Canada | No Co-Insurance | Co-Insurance
- Treatment
Received within the
USA & Canada | In the PPO Network:
Plan pays 90% of eligible expenses up to $5,000/£3,000/€4,000,
then 100% up to the Maximum Policy Limit.
Out of the PPO Network:
Plan pays 80% of eligible expenses up to
$5,000/£3,000/€4,000,
then 100% up to the Maximum Policy Limit.
| | World-class Medical Benefits
| Coverage available for In-Patient and Out-Patient medical expenses.
Freedom to choose any Hospital, Clinic or Doctor in your area of cover.
| | 24 Hour International Emergency Care
| 24 hour medical emergency helpline plus a wide range of international emergency benefits including emergency evacuation, emergency reunion,
return of mortal remains, return of minor children and more | | MyIMG
| 24 hour secure access from anywhere worldwide to manage your account online | | Sports & Activities Coverage | Up to
Maximum Limit
for Basic Listed Sports
| |
| A Medical Benefits | (Usual, reasonable and customary charges. Subject to Excess and Co-Insurance when applicable.) |
| 1 | Hospital Room and Board | Up to the Maximum Limit | | 2 | Intensive Care | Up to the Maximum Limit | | 3 | Medical Expenses | Up to the Maximum Limit | | 4 | Out-Patient Medical Expenses | Up to the Maximum Limit | | 5 | Emergency Local Ambulance | Up to the Maximum Limit | | 6 | Prescription Drugs | Up to the Maximum Limit | | 7 | Emergency Room Accident | Up to the Maximum Limit | | 8 | Emergency Illness - with In-patient Admission | Up to the Maximum Limit | | 9 | Emergency Illness - without In-patient Admission | Up to Maximum Limit
with an additional
$250 / £150 / €200 Excess
| | 10 | Dental – Injury due to Accident | Up to Maximum Limit | | 11 | Dental - Sudden Dental Pain | Up to $150 / £90 / €115 | | 12 | State Hospital Cash Benefit | $100 / £60 / €75
Per night up to a maximum of 14 nights
| | 13 | Reciprocal Health Agreement Benefit | Nil Excess -
When a claims saving is made due to a European Health Insurance Card (EHIC) or Reciprocal Health Agreement
| |
| B International Emergency Care & Assistance | (when coordinated through the Plan Administrator) |
| 1 | 24 Hour Emergency Medical Help Line | Included | | 2 | Emergency Medical Evacuation | Up to $500,000 / £300,000 / €400,000
Lifetime Maximum (independent of Maximum Limit)
| | 3 | Emergency Reunion | Up to $50,000 / £30,000 / €40,000 | | 4 | Cremation/Burial, or Repatriation of Remains | Up to $50,000 / £30,000 / €40,000 | | 5 | Return of Minor Children | Up to $50,000 / £30,000 / €40,000 | | 6 | Identity Theft Assistance | Up to
$500 / £300 / €400
per Period of Coverage
| | 7 | Security and Political Evacuation | Up to $10,000 / £6,000 / €7,500 | | 8 | Natural Disaster Evacuation & Accommodation | $100 / £60 / €75
per day for up to five days
| |
| C Additional Benefits |
| 1 | Trip Interruption | Up to
$5,000 / £3,000 / €4,000
| | 2 | Terrorism Coverage | Up to
$50,000 / £30,000 / €40,000
Lifetime Maximum
| | 3 | Common Carrier Accidental Death | Up to
$50,000 / £30,000 / €40,000
to beneficiary;
Maximum Per Family
$250,000 / £160,000 / €200,000
| | 4 | Accidental Death & Dismemberment
- Reduced Sums Insured apply for Children under 18 and persons aged 66 and over | Up to
$25,000 / £16,000 / €20,000
principle sum
| | 5 | Citizenship Return Coverage
| You are covered for trips to your
Country of Citizenship provided it
is within your Area of Cover. For
USA Citizens: Cover is provided for
up to 60 days for brief returns to
the USA per Period of Insurance. | | 6 | Incidental Home Trip Coverage | Up to a cumulative two weeks during the period of insurance | |
| D Travel Benefits | (Each Section is optional and only applicable if selected and purchased at time of original application. With the exception of the Enhanced AD&D Option,
options apply to all individuals listed in the application form.) |
| 1 | Cancellation or Curtailment | Up to $7,000 / £5,000 / €6,000
| | 2 | Travel Delay | Up to $7,000 / £5,000 / €6,000
a) $50 / £40 / €60 after 12 hours delay
b) $30 / £20 / €25 each 12 hours thereafter
c) Up to $300 / £200 / €250
| | 3 | Missed Departure & Journey Disruption | Up to $1,500 / £1,000 / €1,200 | | 4 | Baggage | Up to $3,000 / £2,000 / €2,500
Up to $350 / £250 / €300 per Item
Up to $700 / £500 / €600 for all Valuables
Up to $300 / £200 / €250 for emergency
purchases after 12 hours (Nil Excess) | | 5 | Personal Money | Up to $700 / £500 / €600 | | 6 | Loss of Passport | Up to $700 / £500 / €600 | |
| E Additional Coverage Options | (Each Section is optional and only applicable if selected and purchased at time of original application. With the exception of the Enhanced AD&D Option,
options apply to all individuals listed in the application form.) |
| 1 | Adventure Sports Option
- Available to insureds up to age 65 | | Age | Policy Maximum | | 0-49 | $50,000 / £30,000 / €40,000
Lifetime Maximum Limit | | 50-59 | $30,000/ £18,000 / €24,000
Lifetime Maximum Limit | | 60-64 | $15,000/ £9,000 / €11,500
Lifetime Maximum Limit | | | 2 | Enhanced Personal Accident-AD&D Option
- Available to primary insured only, minimum of three months coverage
| Optional Limits:
Up to $200,000/ £120,000 / €150,000
Up to $150,000/ £90,000 / €112,500
Up to $100,000/ £60,000 / €75,000
Up to $50,000 / £30,000 / €40,000
Additional Coverage
| | 3 | Evacuation Plus
| Non-Life Threatening Medical Evacuation:
Up to $25,000/ £15,000 /€20,000
Natural Disaster Evacuation
Up to $5,000/ £3,000 /€4,000
| | 4 | End of Trip Home Country Coverage
- Not available for USA citizens in the USA | One month for every five months of travel purchased, up to a maximum of two months Home Country Coverage | |