ASA, Inc. International Insurance Consultants BBB Business Review

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Comparison: Health/Medical Plans

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Benefit REMOVED: Medical Elite REMOVED: Premier Plus Global Citizen Absolute VIP Universal VIP Special VIP
Maximum Age for New Applicants

74

74

74

74

74

75

75

75

Renewal Until Age

84

84

Lifetime

Lifetime

84

Lifetime

Lifetime

Lifetime

Coverage Areas

Worldwide

Excluding U.S.

Worldwide

Worldwide

Worldwide or Excluding U.S.

Worldwide

Worldwide

Worldwide

Policy Maximum

Unlimited

Unlimited

$5,000,000 per year/per person

$3,000,000 per year/per person

Unlimited

Unlimited

$5,000,000 per year/per person

$2,000,000 per year/per person

Required use of Network Providers

No

No

No

No

No

No

No

Only inside U.S.

Hospital Room and Board

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100% Outside U.S.
100% Inside U.S. within network

Intensive Care

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100% Outside U.S.
100% Inside U.S. within network

Diagnostic/Laboratory Tests

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

Inpatient Prescribed Drugs

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

Outpatient Prescribed Drugs

$500 (Outside US)
N/A (Inside US)

100%

100%

100%

$500 (Outside US)
N/A (Inside US)

100%

100%

$6,500

Cancer Treatment

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

Dialysis

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

HIV/AIDS

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

$500,000 (24 month waiting period)

$250,000 (24 month waiting period)

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

$600,000 (24 month waiting period)

$500,000 (24 month waiting period)

N/A

Congenital Conditions

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

$1,000,000 (Diagnosed before 18)
100% (Diagnosed after 18)

$350,000 (Diagnosed before 18)
100% (Diagnosed after 18)

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

$1,500,000 (Diagnosed before 18)
100% (Diagnosed after 18)

$1,000,000 (Diagnosed before 18)
100% (Diagnosed after 18)

$300,000 (Diagnosed before 18)
$1,000,000 (Diagnosed after 18)

Durable Medical Equipment

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

$7,000

Podiatric Treatment

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

N/A

N/A

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100% (24 month waiting period)

100% (24 month waiting period)

$10,000 (24 month waiting period)

Bariatric Surgery

N/A

N/A

N/A

N/A

N/A

$15,000 (24 month waiting period)

$10,000 (24 month waiting period)

N/A

Maternity

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)
(12 month waiting period)

100% (12 month waiting period)

$7,000 no deductible applies
$8,500 cesarean no deductible applies
(10 month waiting period)
Options I, II & III Only

$5,000 no deductible applies
(10 month waiting period)
Options I, II & III Only

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)
(12 month waiting period)

$8,000 no deductible applies
$10,000 cesarean no deductible applies
(10 month waiting period)
Options I, II & III Only

$7,000 no deductible applies
(10 month waiting period)
Options I, II & III Only

$4,000 no deductible applies
(10 month waiting period)
Options I & II Only

Complications of Maternity

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)
(12 month waiting period)

100% (12 month waiting period)

$1,000,000 (Options I II & III Only)
(10 month waiting period)

$500,000 (additional rider required)
(10 month waiting period)

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)
(12 month waiting period)

$1,000,000 (Options I II & III Only)
(10 month waiting period)

$1,000,000 (Options I & II Only)
(10 month waiting period)

$500,000 (additional rider required)
(10 month waiting period)

Physicians and Specialists Visits

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

Physical Therapy/Rehabilitation

$30 per visit max 20 visits per year

$30 per visit max 20 visits per year

100%

100%

$30 per visit max 20 visits per year

100%

100%

$7,000

Chiropractor, Psychologist and Psychiatrist

$30 per visit max 20 visits per year

$30 per visit max 20 visits per year

N/A

N/A

$30 per visit max 20 visits per year

100% max 20 visits per year

$100 per visit max 20 visits per year

N/A

Transplant Procedures

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

$2,000,000

$1,000,000

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

$2,100,000

$1,100,000

$300,000 (rider required)

Benefit for Living Transplant Donor

N/A

N/A

$30,000

$20,000

N/A

$60,000

$60,000

$30,000 (rider required)

Home Nurse Care

100% max 30 visits per year

100% max 30 visits per year

100%

100%

100% max 30 visits per year

100%

100%

$7,000

Hospice/Palliative Care

$5,000

$5,000

$15,000

N/A

$5,000

100%

100%

100%

Emergency Medical Evacuation

$250,000 (Outside US)

$250,000

$125,000

$50,000

$250,000 (Outside US)

100%

100%

$60,000

Emergency Ground Ambulance

100% (Outside US)
80% (Inside US In-Network)
0% (Inside US Out-Network)

100%

100%

100%

100% (Outside US)
80% (Inside US In-Network)
60% (Inside US Out-Network)

100%

100%

100%

Repatriation of Remains

$25,000 (Outside US)

$25,000

$50,000

$10,000

$25,000 (Outside US)

100%

100%

$12,000

Deductible Eliminated with 3 Years No Claims

N/A

N/A

N/A

N/A

N/A

Options I & II Only

Options I & II Only

Options I & II Only

Free Coverage for Dependents upon Death of Policyholder

N/A

N/A

2 years

2 years

N/A

2 years

2 years

N/A

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Online Quote & Application Quote / Apply
()
Quote / Apply
()
N/A N/A Quote / Apply
(Global Citizen)
Quote / Apply
(Absolute VIP)
Quote / Apply
(Universal VIP)
Quote / Apply
(Special VIP)

Key:

Benefit is included in policy.
Benefit is not included in policy.