Shopping for good health insurance can be confusing. It's tough trying to decide what type of policy offers the best coverage for the price. The insurance industry has its own jargon, and "comprehensive medical insurance" is one such term. To make informed decisions, consumers need to know what this type of health insurance provides.
Better coverage without sub limit.
Covers serious Medical Expenses.
Less out of pocket expense.
Good for people who wants to take less risk.
Comprehensive health insurance pays a percentage of the cost of hospital and physician charges after a deductible (usually applies to hospital charges) or a co-pay (usually applies to physician charges.) is met by the insured. Not all comprehensive health insurance policies are the same.
Walk-in Clinic/Urgent Care co-pay $15/$25 (not subject to deductible)
Deductibles are available from $0 to $2500
Plan pays 100% after the deductible In PPO
Policy Maximums $50,000 to $1,000,000
Covers Acute onset of Preexisting condition under 70 years to maximum limit
$2,000,000 Policy Maximum for Age 70-79 Available
*** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***
Covers Acute onset of Preexisting condition under 70 years to maximum limit
*** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***
Policy Maximums: $25,000 to $500,000 up to age 69 & $100,000 for age 70-79
3 Coinsurance Options including Plan A & C covers 90% up to first $5,000 and thereafter 100% up to Policy max, Plan B covers 100% in PPO up to the policy max
Plan A & Plan B covers Acute Onset of a pre-existing condition up to age 79 and Plan C covers condition up to age 69
Covid-19 / Coronavirus benefit of $100,000 has been added to new policies
Emergency Quarantine Indemnity- COVID-19 is now included with all Beacon Travel Medical policies for up to 10 days
Administrator :
Global Underwriters
Carrier/Underwriter :
Allied World Assurance Company (Europe)
Coverage Length 5 days to 364 days, Extendable for a total of up to 364 days
Policy Maximum Worldwide Including the USA: $1M up to 64 years old, $100K age 65-69, $50K age 70-74
Policy Maximum Worldwide Excluding the USA: $5M up to 64 years old, $100K age 65-74
COVID-19 Treatment benefit covers up to $100K in medical expenses for COVID-19, SARS-Cov-2, and any mutation or variation of SARS-CoV-2 based on policy maximum chosen
Acute Onset of Pre-existing Conditions Worldwide Including the USA up to age 64, $10,000 and 65-74, $5,000
Acute Onset of Pre-existing Conditions Worldwide Excluding the USA up to age 64, $50,000 and 65-74, $10,000
