Policy Maximum: US$5,000,000 for Silver, Gold and Gold Plus, US$8,000,000 for Platinum.
Deductible: $250 to $10,000 for Silver, Gold and Gold Plus, $100 to $10,000 for Platinum.
Coinsurance within the U.S. and Canada:
Silver, Gold and Gold Plus: After the deductible 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Platinum: 90% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage.
Coinsurance within the PPO network and outside the U.S. and Canada:
Silver, Gold, Gold Plus and Platinum: 100%
Pre-Existing Conditions and Exclusions:
Silver, Gold and Gold Plus :
On the Silver, Gold and Gold Plus plan options, conditions that are fully disclosed on the application and have not been excluded or restricted by a rider, will be covered after coverage has been in effect for 24 continuous months (subject to the foregoing limits and the other terms of the plan*). The Silver and Gold plan options provide a $50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of $5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.
On the Platinum plan option, conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same as any illness. Conditions, including any complications therefrom, that are not fully disclosed on the application will not be covered.
Eligibility: U.S. citizens must reside abroad or depart the U.S. within 30 days of their effective date and plan to reside abroad for at least 6 of the next 12 months. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the U.S.