Medis
International Health Plans |
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MEDIS OPTIMA
A comprehensive Long Term Major Medical Health insurance coverage. The Optima plan covers you and your family with generous and flexible benefits in hospital and limited out of the hospital benefits. The Optima plan is designed for the individual who is focused on the in hospital risks and basic out of hospital cover. The Optima plan will meet all your family health insurance requirements worldwide including in your country of residence and the USA. The Optima plan is economically priced with ample benefits.
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BENEFITS
Apply per person per policy year |
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Policy Limits……………………….. |
$1,000,000 |
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Deductible………………………….....
In
country of residence while
hospitalized minimum 24 hours
Deductibles $250-$2,500.........
Deductibles $5,000-$10,000...... |
Applies
per person per policy year
NO
DEDUCTIBLE
Deductible may be waived at the
discretion of the administrator,
advance notice required. |
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Co-insurance…………………….. |
20% of the next $5,000 after the
deductible outside your country of
residence
No co-insurance in your country of
residence |
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Physician or Specialist………… |
100% |
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Hospitalization…………………… |
100% |
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Private Room…………………… |
100% |
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Intensive care…………………… |
100% |
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Outpatient treatment………….. |
$2,000 |
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Preventive care…………….……. |
$50, no deductible |
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Maternity and prenatal care… |
Normal
delivery and Elective C-section:
80% up to $5,000, after deductible.
C-section
when medically necessary is considered
a surgery. Deductible and co-insurance
apply. |
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Congenital
Conditions.............. |
$25,000 lifetime maximum
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Prescription drugs………………. |
$250, no limit during
hospitalization |
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Organ
transplant…………………. |
$500,000 lifetime maximum per person
($250,000 lifetime maximum for bone
marrow transplants) |
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Cancer
treatment………………… |
100% in
hospital benefit; outpatient
treatments including oncology tests,
drugs, chemotherapy and radiotherapy
limited to a lifetime maximum of
$100,000. |
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Emergency ground
transportation……………………... |
$1,500
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Return of
mortal remains……… |
$10,000
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Emergency
medical evacuation or
repatriation…………………….. |
$50,000
including the cost of
airfare and related cost of
transporting the patient |
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Reconstructive surgery following an
accident……………. |
$20,000
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Hospital Cash Benefit
in country of residence
while
hospitalized minimum 24 hours |
$100
per day
Maximum of 7 days per policy year. |
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TOP
| Deductibles |
$250 |
$500 |
$1,000 |
$2,500 |
$5,000 |
$10,000 |
$20,000 |
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1Mil |
1Mil |
1Mil |
1Mil |
1Mil |
1Mil |
1Mil |
| 0-10 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| 11-17* |
643 |
527 |
426 |
324 |
257 |
192 |
143 |
| 18-29 |
1,666 |
1,333 |
905 |
839 |
715 |
537 |
400 |
| 30-39 |
2,025 |
1,617 |
1,239 |
1,051 |
884 |
662 |
494 |
| 40-49 |
2,532 |
2,115 |
1,566 |
1,317 |
1,150 |
863 |
645 |
| 50-59 |
3,232 |
2,738 |
1,979 |
1,674 |
1,468 |
1,101 |
821 |
| 60-64 |
4,018 |
3,487 |
2,606 |
2,253 |
1,931 |
1,448 |
1,081 |
| 65-69 |
5,516 |
4,718 |
3,559 |
2,669 |
2,305 |
1,730 |
1,292 |
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Children under 11 years are included
free, when both parents are
enrolled.
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Students are considered dependents
to age 23 and pay the rates of 11-17
age group. (proof of student must be
supplied).
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Add
US$100 Policy Fee per application.
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To
calculate semi-annual premium
factor, multiply by .55, quarterly
by .28 and monthly by .1
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Individual non-cancelable after
issuance date, no age limits on
renewals.
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Smokers are subject to a 10% loaded
premium.
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Rates
apply to both sexes.
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TOP
TTHIS ABOVE DESCRIPTION IS FOR INFORMATION PURPOSES ONLY AND A FULL DESCRIPTION OF THE BENEFITS EXCLUSIONS AND LIMITS ARE IN THE CERTIFICATE OF COVERAGE.
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