NRIOL.NET: Overseas travel medical insurance by HPA covers doctors, hospital, Rx drugs

The Overseas Travel Medical Plan offered by Health Plan Administrators, Inc., is comprehensive, short term medical protection for global citizens traveling outside their Home Countries.

The plan offers insurance coverage for expenses arising from overseas medical emergencies, evacuation, and return of mortal remains. Both US citizens/residents and non US Citizens (non US Residents) can apply for coverage. Protection is offered outside your home country i.e. foreigners visiting the US or those traveling abroad can apply.

The Overseas Travel Medical Plan provides a Policy Maximum of $1,000,000; and for those over 80, the maximum is $10,000;

$100, $250, $500, $1,000 or $2,500 per Certificate Period.

Outside the U.S. and Canada:
For the Certificate Period, the plan pays 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.

In USA:
for non-US citizens in the US., the plan pays 80% up to $5,000, and 100% thereafter of Eligible Expenses after the Deductible up to the Overall Maximum Limit.

Coverage during initial purchase is available in 15 day or monthly increments up to 12 months, paid in full or monthly by automatic bank drafts or Visa, MasterCard, or Discover credit cards.

Optional Hazardous Sports rider available.

The Overseas Travel Medical Plan can be renewed for up to a total of 12 continuous months.

The Overseas Travel Medical Plan is underwritten by the American Consumer Insurance Trust which is insured by U.S Fire Insurance Company

The Overseas Travel Medical Plan is administered by the Health Plan Administrators, Inc. based in Rockford, IL, USA

Eligibility

Any US citizen or resident of the US who travels or resides anywhere outside of the US and holds a valid US passport. Eligible dependents are your legally married spouse and unmarried children between 14 days and 19 years old.

Coverage becomes effective on the latest of:

The date the Application and correct premium is received,
The moment of arrival in the country designated on the Application,
the Effective Date requested on the Application, or
The Date the Application is approved.

Coverage will end on the earliest of:

The moment You return to Your Home Country,
The expiration of 12 months from the Effective Date,
The date shown on the Schedule provided by HPA,
The end of the period for which the Plan Cost has been paid,
The date You are no longer considered an Eligible Person, or,
For foreign visitors, the Date You become a permanent resident of the US.

Plan Benefits

The Overseas Travel Medical Plan offers a broad range of benefits including:

Coverage for illnesses and accidental injuries that first manifest themselves during the trip;
24 Hour Medical Emergency Protection medical referral/assistance program;
Medical evacuation to the nearest qualified medical center or hospital;
Emergency Dental Coverage;
Accidental Death and Dismemberment coverage up to $25,000, and $5,000 for dependents;
Emergency Medical Reunion coverage up to $10,000 and return of Minor Children coverage up to $5,000;
Return of Mortal Remains coverage; and,
Interruption of Trip coverage up to $5,000.

Remarks

Cancellation: Full refund is available if the cancellation request is received in writing before the start of the plan. After the policy is in effect the Plan Cost is nonrefundable.