International health plans with comprehensive worldwide protection

International health plans with comprehensive worldwide protection

About Premier Health

Premier Health is an international Healthcare plan exclusively developed to provide comprehensive protection worldwide. This plan is tailored to non-US residents in need of international coverage including the United States. Premier Health plan offers three comprehensive plan options to choose from that provide our insured the ability to obtain medical treatment where they choose worldwide.

Key Benefits

  • Guaranteed Renewability
  • Worldwide coverage including the U.S.
  • Maternity benefits and complication of pregnancy included
  • Organ transplant
  • Remote Second Medical Opinions and Patient concierge services
  • Travel assistance included
  • Deductible forgiveness for good claims history
  • Waiver of premium payments upon death of primary insured
  • Optional Disability benefit for sickness and accident.

Worldwide Protection

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Benefit DescriptionUltraCareOptimaSecure
Annual major medical limits per insured$8,000,000$4,000,000$2,000,000
Inpatient Benefits
Hospital Room and Board
(Private room)
100%100%100%
Intensive Care Unit (ICU)100%100%100%
Inpatient Therapy and Rehabilitation100%100%100%
Inpatient Prescription Medication100%100%100%
Inpatient Psychiatric Treatment100%100%100%
Inpatient Ancillary Hospital Services100%100%100%
Inpatient Physician / Specialist Visits100%100%100%
Organ Transplant and Related Services*Up to $1,000,000 lifetime per organUp to $750,000 lifetime per organUp to $350,000 lifetime per organ
Organ Acquisition
Including preservation, acquisition, transportation and benefits for the living donor
Up to $60,000 per transplantUp to $30,000 per transplantUp to $20,000 per transplant
Outpatient Benefits
Outpatient Physician Visits / Specialist Visits100%100%100%
Diagnostic Testing100%100%Up to $10,000 per policy year
Oncology / Cancer Treatment100%100%100%
Prophylactic Surgery to reduce the risk of cancer*$30,000 per insured per lifetime$25,000 per insured per lifetime$20,000 per insured per lifetime
Outpatient Rehabilitation / Therapeutic Services
Physical, Speech, Occupational Therapy
100%100%
Up to 80 visits combined per policy year
100%
Up to 70 visits combined per policy year
Congenital Disorders, Birth Defects & Hereditary ConditionsUp to $1,000,000 lifetime (if diagnosed before 18)
100% (if diagnosed after 18)
Up to $500,000 lifetime (if diagnosed before 18)
100% (if diagnosed after 18)
Up to $300,000 lifetime (if diagnosed before 18)
100% (if diagnosed after 18)
Prescription Medication100%Up to $15,000 per policy yearUp to $5,000 per policy year
Bariatric Surgery*Up to $30,000 lifetimeUp to $15,000 lifetimeUp to $10,000 lifetime
Home Health Care Services100%Up to $7,000 per policy yearUp to $4,000 per policy year
Reconstructive Surgery100%100%100%
Outpatient Psychiatric Services*Up to $100 per visit, 40 visitsUp to $95 per visit, 30 visitsNot covered
Dialysis100%100%100%
Prosthetic LimbsUp to $45,000 per policy year
Up to $150,000 lifetime
Up to $30,000 per policy year
Up to $130,000 lifetime
Up to $30,000 per policy year
Up to $130,000 lifetime
Wellness*Up to $1,000 every 24 months,
or $350 every 12 months
Up to $750 every 24 months,
or $250 every 12 months
Up to $500 every 24 months,
or $150 every 12 months
Durable Medical Equipment100%Up to $7,000 per policy yearUp to $6,000 per policy year
Wisdom Tooth Removal*Up to $1,200 per policy yearUp to $1,000 per policy yearUp to $700 per policy year
Maternity Benefits */**
Normal Delivery or C-Section*Up to $10,000 per pregnancy

Deductible waived
Up to $7,000 per pregnancy

Deductible waived
Up to $5,000 per pregnancy

Deductible waived
Complications of Pregnancy*Up to $1,000,000 per pregnancy

Deductible waived
Up to $500,000 per pregnancy

Deductible waived
Up to $300,000 per pregnancy

Deductible waived
Extraction & Storage of Stem CellsUp to $2,000 per childUp to $1,400 per childUp to $1,000 per child
Additional Benefits
AIDS / HIV / ARC*Up to $500,000 lifetimeUp to $250,000 lifetimeNot covered
Emergency Air TransportationUp to $150,000 per event
Deductible waived
Up to $100,000 per event
Deductible waived
Up to $25,000 per event
Deductible waived
Repatriation of Mortal RemainsUp to $50,000 for Repatriation; or Up to $10,000 for Local Burial in Lieu of Repatriation

Deductible waived
Up to $20,000 for Repatriation; or Up to $10,000 for Local Burial in Lieu of Repatriation

Deductible waived
Up to $10,000 for Repatriation or for Local Burial in Lieu of Repatriation

Deductible waived
Travel Assistance CoverageUp to $10,000 per trip
Deductible waived
Up to $10,000 per trip
Deductible waived
Up to $10,000 per trip
Deductible waived

Some plans and/or deductibles are not available in all zones.

* Subject to a waiting period. ** Deductible waived only for deductible options: $1,000, $2,000, $3,000 and $5,000. No Maternity benefits for chosen deductibles of $10,000 or $20,000.

NOTE 1: All Benefits are subject to Usual and Customary Reasonable (UCR). NOTE 2: The benefits, coverage, and exclusions, listed herein are only a summary and are subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility, and exclusions. Please refer to your Policy Wording for specific terms, conditions and other details concerning your benefits, limitations, eligibility, and exclusions. NOTE 3: The following deductible options are not available in Brazil under “Secure”: $1,000 (In Country) / $2,000 (Worldwide) and $2,000 (In Country) / $3,000 (Worldwide) . NOTE 4: Benefits in United States out of network providers are payable at 70%.

Information is subject to change at any time. | All amounts are expressed in USD.

All benefits are subject to Usual, Customary and Reasonable (UCR) fees. The benefits, coverage and exclusions listed herein are only a summary, and are subject to the specific terms and conditions of the plan concerning eligible benefit, limitations, eligibility and exclusions. Please refer to the Policy Wording for details. Penalties to the benefits payable under this plan may apply if the requirements are not met. Please refer to the section labeled Pre-Certification Requirements and Procedures in the plan’s Policy Wording. You must contact the pre-certification provider number listed on your identification card. The following services require Pre-Certification: Hospitalization | Surgeries | Diagnostic Testing | Oncology Treatment | Repatriation of Mortal Remains | Therapy |Organ Transplant | Medical Air Evacuation / Air Ambulance | Rehabilitation | Home Health Care | Extended Care Facility – Failure to perform the pre-certification requirements within a minimum of 5 business days prior to the planned treatment of a non-emergency service or within 72 hours of an emergency service, will result in a penalty of 30% of the allowable charge for the entire episode of care. The penalty will not count toward the deductible or co-insurance as defined on the Certificate of Coverage. For Travel Assistance all notifications must be done within 24 hours of occurrence.

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