Policy Maximum: Policy maximums of $5,000,000 lifetime.
Deductible: $250, $500, $1000, $2500, or $5000 deductible per period of coverage.
Plan life: 15 Days to 12 months.
Eligibility: Maritime Citizen is available to citizens of many countries around the world who are at least age 14 days and not over age 74.
Claims Incurred inside US or Canada:
After the deductible, underwriter will pay 80% of the next $5,000 of eligible expenses per member per certificate period, then 100% to the overall maximum limit. The coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Claims Incurred outside US or Canada:
After the deductible, underwriter will pay 100% of eligible expenses per member per certificate period to the Overall Maximum Limit.
After $3000 of coinsurance, underwriter will pay 100% of eligible expenses per member per certificate period to the Overall Maximum Limit.
Pre-existing coverage: Same as any other Injury or Illness if disclosed on Application and not excluded or limited by Rider.
Other emergency care:
Emergency Medical Evacuation - $50,000 lifetime maximum.