FAQs

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This insurance begins on the later of: (a) your departure from your home country; (b) at 12:01 a.m. local time on the effective date requested on the Application; or (c) when your Application and premium are received by the Administrator.

The insurance terminates on the earlier of: (a) at 11:59 p.m. local time on the expiration date of your policy; (b) when you cease to be eligible as defined under Insured Person; or (c) immediately upon your return to your home country. However; if you have been insured under this policy for at least six months and then return to your home country permanently, the insurance will continue for 30 days or until the policy’s expiration date (whichever first occurs) to provide Home Country Coverage for an unexpected injury or illness which may occur after you return home. The purpose of this 30 day extension is to provide time for you to purchase domestic health insurance.

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1. Multilingual professional staff will help in locating the nearest, most appropriate medical care.
2. Medical Advisors consultative and advisory services including second opinion and review of
   appropriateness/ quality of medical care, plus progress monitoring during treatment.
3. Assistance in establishing contact with family, personal physician and employer as necessary;
   emergency message transmittal.
4. Special assistance to facilitate direct claims payment or transfer of funds.
5. Arrangement and coordination of medical evacuation or repatriation of remains.
6. Special assistance in making arrangements for disrupted travel plans.
7. Knowledgeable legal referral assistance and courtesy assistance in replacing travel documents as well as
   other travel services.

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Medical Expense Benefits

Benefit limit: US$1,ooo,ooo per claim

Accident and Sickness Expense Benefit

The Company will pay up to the benefit limit for the reasonable and customary medical expenses including, but not limited to, necessary medical or surgical treatment, services and supplies, hospital services, local
ambulance, x-rays, laboratory fees, and visits to a Physician’s office, as a direct result of each Covered Injury or Sickness which firsts manifests itself during the Period of Insurance. There is a US$100 deductible per claim that applies to this benefit.

Limitation: Coverage for non-hospitalization expenses (where you are not a registered inpatient in the hospital) incurred in the USA, Canada, Bermuda and the Caribbean Islands is limited to 80% of the reasonable and customary charges after the US$100 deductible.

Medical Evacuation Benefit

If a Covered Injury or Sickness occurs during the Period of Insurance and requires your immediate medical evacuation, upon the recommendation of the attending Physician, authorization of the Medical Advisor and your concurrence, the Company may:

a) medically evacuate you to a more suitable medical facility; or

b) evacuate you to a medical facility near your home in your Home Country. After evacuation to your Home Country additional medical expenses will be limited to the benefits available under the Home Country Coverage.

The reasonable transportation expenses of one other adult Insured Person accompanying you for the purpose of providing assistance, will be covered by this policy.

All medical evacuations must be approved (in advance) and coordinated by Northcott Global Solutions, Ltd.

Repatriation of Remains Benefit

If a Covered Injury or Sickness results in the loss of your life during the Period of Insurance, the Company will pay the expense for the preparation and transportation of your body to your home.
All repatriations must be approved and managed by Northcott Global Solutions, Ltd.

Accident Dental Benefit

If you incur dental expenses as a direct result of a Covered Injury, the Company will pay up to US$500 per natural tooth (subject to a US$5,ooo maximum).

Maternity Expense Benefit

This benefit covers the mother’s prenatal and postnatal medical expenses incurred outside her Home Country including hospitalization services, physician services for the delivery of the child(ren) or termination (spontaneous or elective) of the pregnancy. This benefit is limited to US$5,ooo for an uncomplicated pregnancy (including delivery) and US$7,500 for a complicated pregnancy. The lifetime benefit under this coverage is limited to US$25,ooo (for multiple pregnancies). These are the only benefits available for maternity related expenses and cover only those pregnancies where the expected date of birth is at least ten months after the mother became covered under this policy.

Home Country Coverage

You continue to be covered under this policy during temporary return visits to your Home Country. Your Home Country Coverage is limited to US$100,ooo and a maximum accumulation of 30 days of return visits to your Home Country during the Period of Insurance. For all expenses incurred in your Home Country the following limitations apply: the deductible is increased to US$500; the next US$50,ooo of medical expenses are limited to 50% coverage; thereafter, the coverage is increased to 100% up to the appropriate Home Country Coverage limit. The policy will not cover any expense incurred in your Home Country once the Home Country Coverage limitations have been exceeded. No expense incurred in your Home Country will be covered by this insurance until proof of your departure from your Home Country has been received and verified by the Claims Administrator.

Important Note

If you return to your Home Country for a temporary visit and subsequently do not leave your Home Country before the expiration date of your policy, this insurance will be considered terminated as of the date you returned to your Home Country for that visit. Any medical expense incurred between the date you returned to your Home Country and the expiration of this policy will not be covered except as noted in the Period of
Insurance.

Accidental Death and Dismemberment Benefit

Principal Sum: US$25,000

Optional Benefit: US$100,000

If a Covered Injury occurs during the Period of Insurance, which is independent of all other causes and within 180 days of the injury results in one of the following losses, the Company will pay the sum indicated below.

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