Diplomat Long Term Insurance

Diplomat LT policy is designed for anyone traveling outside home country for a long duration, such as tourists or relatives/parents visiting USA or international travelers going abroad to any foreign destination country.

• Eligibility: Long-term visitors to the USA or international travelers outside their home country.
• Maximum Amount: Plan offers maximum coverage choices from US$50,000 to US$1,000,000 for the life of the plan. For travelers over 70, maximum coverage of $100,000; for 80 years and older, coverage maximum is US$20,000.
• Deductible: Choice of USD $0, $50, $100, $250, $500, $1000 or $2500 deductible (accumulated amount) per person per plan certificate period.
• Co-Insurance:
  Traveling to the United States: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.
  Traveling Outside the United States: After you pay your selected deductible this plan will pay 100% of Covered Expenses outside the USA up to the selected plan maximum.
• Duration: Minimum period of 3 months to initial maximum period of 36 months (3 years).
• Pre-Existing Condition: Exclusion: 18 Months prior to the start date of coverage.
  Unexpected Recurrence of a Pre-existing Condition (US Citizens only): up to $20,000; ($2,500 for age 65 and older)
• Emergency Medical Evacuation and Repatriation: $500,000
• Return of Mortal Remains: $50,000
• Emergency Medical Reunion: $50,000
• Return of Minor Child: $50,000
• Interruption of Trip: $5,000
• Loss of Baggage: $50 per article; up to a maximum of $250
• Emergency Dental Treatment: Accident: Usual & Customary expense covered, and Palliative: $100
• Accidental Death and Dismemberment: $25,000 (Enhanced Benefit Amounts available) with paralysis and
  coma, seat belt and airbag, felonious assault and home alteration and vehicle modification benefits.
• In-Hospital Indemnity: For US Citizens only), $100 per day to a maximum of 10 days.
• Political and Natural Disaster Evacuation: $50,000
• Optional Plan Enhancements: Athletic & Hazardous Activity Benefit, Home Country Coverage, and War Risk Coverage (available for outside the USA)
• Other Coverage Benefits: Covers Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs.
• Administrator: Diplomat Long Term (LT) is administered by Global Underwriters Inc.
• Underwriter: Diplomat Long Term (LT) is Crum & Forster SPC; rated “A” (excellent) by A.M. Best.

Review the plan brochure for coverage benefits or the detailed coverage information for plan exclusions and in-depth policy benefits.

• Plan Brochure: Review the Diplomat Long Term Plan Brochure for policy details.
• Claims Form: Download and submit Diplomat Long Term Claims form for reimbursement of incurred expenses.

Review the plan sample certificate of insurance for detailed coverage information including policy exclusions and in-depth plan summary of benefits.

• Certificate of Insurance: Review all the policy details available in the Diplomat Long Term Insurance Certificate which is the detailed sample document of the master policy.

Diplomat Long Term policy has NO PPO network, the plan allows the flexibility to go to any provider, such as doctors, hospitals, labs, and other caregivers, within USA or international, to seek the necessary treatment and care.

• Provider Network: Diplomat Long Term plan has no set PPO network, visit any doctor or hospital.

Quote/Buy Diplomat LongTerm Insurance instantly online or alternatively print/complete the paper application along with the payment.

• Quote/Buy Online: Get instant quote & Buy Diplomat Long Term Insurance coverage online.
• Application Form: Complete, mail/fax the Diplomat Long Term Insurance Paper Application along with the premium due payment amount.

Diplomat LT Insurance coverage can be extended or renewed monthly, up to a 12 months period (1 year). The minimum initial period of coverage that can be purchased is 3 months, the maximum is 365 days. Participant can re-apply for an additional term of 365 days of coverage. Any subsequent new periods of coverage will not include a pre-existing condition limitation and will be issued at the guaranteed rate. A participant is eligible to reapply for up to 2 separate terms from the date of the initial enrollment with this guarantee. The total period of coverage cannot exceed 3 years.

Below are the rules pertaining to cancellation of the policy and refund of premium.

• Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
• Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.