International Marine Medical Insurance

Plan benefits of International Marine Medical Insurance

• Coverage Type	Primary to P&I
  Coverage Area	Worldwide
  Rate Guarantee	Initial 12 months
  Deductible - Calendar Year	Select from deductible options $100 to $10k

• Medical expenses incurred in the U.S., in-network	Plan pays 50% of eligible charges
  Medical expenses incurred in the U.S, out-of-network	Plan pays 50% of eligible charges
  Medical expenses incurred internationally	Plan pays 50% of eligible charges

• Wellness Benefit - Available after 12 months on plan	Plan pays up to $250 per calendar year
  Illness or Accident Benefit	Subject to deductible & coinsurance

• In-patient & Out-patient	Subject to deductible & coinsurance
  Emergency Room - Injury	Not subject to Emergency Room Deductible in U.S. (subject to deductible & coinsurance outside U.S.)
  Emergency Room - Illness	Subject to an additional $250 deductible if treatment does not require admittance to the hospital (waived outside U.S.)

• Emergency Local Ambulance	Subject to deductible & coinsurance
  Hospital Indemnity	Overnight maximum limit: $100; maximum overnight limit: 20; maximum limit: $2k; only available internationally
  Emergency Medical Evacuation	$1M lifetime maximum benefit per person
  Emergency Reunion	$10k lifetime maximum benefit
  Supplemental Accident	$300 maximum limit per covered accident
  Return of Mortal Remains	$25k maximum limit; $10k local burial/cremation maximum limit
  Transplant	$1M lifetime maximum
  Home Nursing Care, Extended Care Facility	Subject to deductible & coinsurance
  Physical Therapy	$75 maximum limit per visit; medical order or treatment plan required
  Prescriptions	Subject to deductible & coinsurance
  Mental or Nervous, Substance Abuse, & Counseling	$20k lifetime maximum
  Sudden & Unexpected Reoccurrence of Pre-existing Conditions	Up to the calendar year maximum limit

• Exams	$100 per 24 months
  Corrective lenses and/or frames	$150 per 24 months

• Pregnancy & Newborn Care	Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life; subject to deductible and coinsurance
  Pregnancy Complications	Subject to deductible & coinsurance

• Amateur Sailboat Racing	Subject to deductible & coinsurance
  Crew Member Return	$2.5k maximum limit
  Emergency Dental	Subject to deductible & coinsurance; accident-related