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TravelGap® China
TravelGap ® China provides international health insurance for trips lasting up to 6 months, including a complete set of services to help you identify, access and pay for quality healthcare services in China.
| Policy Maximum |
TravelGap ® China provides a Maximum Benefit per Insured Person per policy period of US$1,000,000 |
| Deductible |
No deductible |
| Co-insurance |
- Outside the U.S. and Canada:
For the Certificate Period, TravelGap ® China will pay 100% of Eligible Expenses up to the Overall Maximum Limit.
- In USA:
You can only purchase TravelGap ® China prior to departing on your trip.
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| Coverage Options |
No optional coverage. |
| Plan Life |
TravelGap ® China can be purchased for trip up to 6 months and is a nonrenewable plan. Subsequent periods of insurance can be purchased, in which case new eligibility will apply. |
| Underwriter |
TravelGap ® China is underwritten by HM Life Insurance Company. |
| Claims Administrator |
TravelGap ® China For China is administered by HTH Worldwide, Inc. |
Eligibility:
To be eligible for TravelGap ® China an Insured Person must be
- a resident of the U.S.;
- under age 85;
- traveling outside the U.S.; and
- Scheduled to spend at least 24 hours away from his/her Home and;
- must be enrolled in a primary health plan.
Coverage becomes effective when the insured boards a conveyance at the start of the trip.
Coverage ends:
- for a scheduled trip to a Foreign Country, when the Insured Person alights from a conveyance at the completion of the trip; or
- if the Insured Person is covered under the Medical Evacuation Benefit, upon the Insured Person's evacuation to his/her Home Area.
Plan Benefits:
TravelGap® China offers a broad range of benefits including:
- Surgery, anesthesia, radiation therapy, inpatient doctor visits, X-ray and lab
- Office visits, including X-rays and lab
- Inpatient medical emergency
- Ambulatory surgical center
- Ambulance service
- Claims resulting from downhill skiing and scuba diving
- Outpatient prescription drugs outside the U.S.
- Dental care required due to an injury
- Dental care for relief of pain
- Accidental Death and Dismemberment Pays Without a Deductible
- Repatriation of Remains
- Medical Evacuation to hospital of choice
- Bedside Visit
Remarks:
- PPO Network: Benefits for services and supplies received from Foreign Country Providers are covered. The Insured Person may seek the assistance of HTH in locating a provider.
- Renewal: Subsequent periods of insurance can be purchased, in which case new eligibility will apply.
- Cancellation: If you are not completely satisfied with your TravelGap ® China purchase, return your ID card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not departed on your trip before the date of the letter, you will receive a full refund.
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