Beacon International Insurance

报价 & 购买

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on this information.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Beacon International
Comprehensive
自付额后，保险支付100%至最高保额。

Medical - Outpatient

至最高保额
不包括
美国紧急护理:自付额免除,$35共付额。共同保险仍适用。美国境外：无共付额。
至最高保额。 没有导致住院的疾病或受伤需额外支付$350自付额。
至最高保额, 每次提供90天处方药。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%,不包括旁站医生。
至最高保额
-

Medical - Inpatient

至最高保额, 包括护理服务的标准双人病房。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%,不包括旁站医生。
至最高保额
至最高保额
至最高保额

Medical - Other Treatment And Services

180 天
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准基础轮椅
$100 (自付额免除)
休闲：包括。可选：极限运动。
当生病或受伤导致住院,至最高保额。
最高$1,500仅限怀孕并发症，发生在怀孕后的前26周。
-
每次$60，每日一次，最多15次。 必须提前获得医生许可。
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
仅限急性发作，对于70岁以下：最高保额为$550,000 或 $1,100,000，承保至$150,000； 最高保额为 $60,000 到$200,000之间 承保至$50,000。紧急医疗运送最高至 $25,000。
-
承保最高至$100,000或最高保额，以较低者为准。

Dental

$500,最少首次购买90天。
$1,000,最少首次购买180天。

Travel

-
$10,000
行程延误12小时以上：$100/天，最多2天。COVID-19隔离：$50/天，最多10天; 首次购买及每次延长保险必须购买至少30天。
主要
每件 $100, 最多 $500
$50,000
$100,000, 最多15 天
至最高保额
$50,000
$5,000
-
$500

Life

18岁以下: $6,000, 主投保人:$30,000 配偶: $20,000, 70-74岁: $15,000, 超过75岁: $7,500; 每个家庭或团体最多$250,000。
18岁以下：$30,000美元； 18岁以上：$50,000； 每个家庭最高$250,000。

Other

包括
附带：14天。首次最少购买90天。 行程结束：15天，首次最少购买180天；30天，首次最少购买364天。
$150/天,最多7天。在美国不可用。
-
每天$500, 最多5天
仅$50,000 符合要求医疗费用
包括

Plan Features

保险生效前, 全额退款。 保险生效后, 只要无任何理赔记录就可以按比例退款并减去$25取消费。
最少5天至最多364天
$0
$0
政治疏散: $100,000。 病房探视：住院5天后$1,000。不适用于美国 第三方责任: $500。 紧急宠物送返: 住院36小时后$500。 租车自付额补偿: $500。
电子邮件
每个保单期间
$0 Up to 120
$100 Up to 120
$250 Up to 120
$500 Up to 120
$1,000 Up to 120
$2,500 Up to 120
终身最高保额
$12,000 80-120
$25,000 Up to 79
$50,000 70-79
$60,000 Up to 69
$75,000 Up to 69
$110,000 Up to 69
$200,000 Up to 69
$550,000 Up to 69
$1,100,000 Up to 69
$2,000,000 Up to 69
Azimuth Risk Solutions
Lloyd's
A "Excellent"

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报价 & 购买
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

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