Is It Important To Have Medical Insurance?
Perhaps the better question is whether you are prepared to travel without it.
While international travel is often interesting, fun and exciting, it is important not to ignore the real risks we face, even though we do not like to think about them happening. Imagine it is 3 a.m. back home and you are severely injured in a fall, will anyone pick up the phone at your local insurance company? If they do answer, can they or will they have the ability to assist you with your emergency?
Many health insurance plans have restrictions for time spent out of home country or geographic areas that lack coverage. Be confident when you arrive in another country that you will enjoy the security of the finest travel medical insurance protection available in the market today. The administrator provides the essential coverage and service to respond quickly, compassionately and professionally to the emergency mentioned above and hundreds of other travel emergencies.
Coverage Anywhere. Value Everywhere.
Is Beacon International a Good Value?
Beacon International offers the most comprehensive schedule of benefits available in today's travel medical insurance market and all at an affordable price. We believe the real value of an insurance plan exists in the service attached to the plan and the ability to respond in a time of need. We take tremendous pride in professionally serving our clients, with staff members who enjoy helping people, no matter where they are in the world and at any time of the day or night.
Sudden Onset of Pre-existing
Beacon International offers coverage for a prior health condition, which suddenly and unexpectedly asserts itself during your travel, but has not received ongoing treatment, which would include medication or therapy of any kind for the past 730 days. Policies purchased with Maximum Limits of $550,000, $1,100,000 offer coverage for Eligible Expenses up to $150,000. Policies purchased for all other Maximum Limits offer up to $50,000 and up to $25,000 when related to an Emergency Medical Evacuation. The Sudden Onset of Preexisting benefit is only available to Participating Members under the age of 70. With this powerful benefit, you will enjoy the peace of mind knowing you have coverage, even when your health history has a few blemishes.
Political Evacuation
If you spend any time reviewing the headlines, you know the potential for a crisis to appear seemingly out of nowhere is real and present. Beacon International offers up to $100,000 in coverage in the event the US Department of State issues a travel warning on or after your effective date, contact the administrator within 5 days for assistance in coordinating travel to an alternate destination.
Third Party Liability
If you are traveling away from your home country and outside of the US, Beacon International now offers up to $500 in coverage for Third Party Liability. So, be careful, but if you did knock over that lamp in the hotel lobby, you can feel better knowing that you have protection that goes where you go.
Emergency Medical Evacuation
It is likely that the most significant financial and personal risk you face abroad is the need for an emergency medical evacuation. In the case of a life threatening injury or illness, Beacon International provides coverage to transport you to the nearest facility, which can properly care for you. We know it is important not to feel alone in a time of crisis, which is why Beacon International also provides coverage for the transportation of an immediate family member or friend to your bedside in the event of an Emergency Medical Evacuation.
Free Home Country Coverage - End of trip
A long time away from home requires a little time to get acclimated to life back home. That is why Beacon International provides you with 15 days of free coverage with a 180 day Policy purchase or 30 days of free coverage with a 364 day Policy purchase.
Highest Maximum Limits Available
The administrator works to provide the best value in the market!
If getting the most for your premium dollar matters to you then the clear choice is Beacon
International.
Terrorism
The daily news offers a regular reminder of the challenging environment in which we live. Terrorism, by its very nature is meant to take advantage of the unaware and unprepared. While we cannot stop these events from occurring, Beacon International is prepared to help with covering the expenses for medical care in case you are injured in such an attack.
Optional Extreme Sports Rider
If your lifestyle often takes you on the path less traveled, the administrator has an Optional Rider designed just for you. Participation in recreational/resort sports such as beach volleyball or snorkeling are included Free as a part of an Exclusive benefit offered in Beacon International. That is where the Optional Extreme Sports Rider takes over. Extreme recreational activities from four different elements include: Earth, Water, Wind and Snow. The Optional Extreme Sports Rider provides up to $50,000 of coverage for eligible activities. The Accidental Death & Dismemberment benefit does not apply when you are engaged in sports and/or hazardous activities.
Trip Delay
As we all know, travel can be frustrating at times and trip delays are often a big part of that frustration. In the event your travel is significantly delayed, Beacon International provides up to a $100 per day to help defray unexpected expenses resulting from such delays.
Quick Trip Home Coverage
Long trips may require that you return home for a brief time to manage your affairs. Perhaps it is important to be home for the holidays; if so, Beacon International has you covered. If you purchase at least 90 days of coverage, Beacon International provides coverage in your home country for up to 14 days with the Quick Trip Home benefit, after which you would then complete your international travel.
Note: All benefits discussed here are as indicated in Beacon International Schedule of Benefits.
Beacon International *Schedule of Benefits
| Plan Details | |
|---|---|
| Maximum Limits |
Ages 0-69: $25,000, $60,000, $75,000, $110,000, $200,000, $550,000, $1,100,000, $2,000,000 Ages 70-79: $25,000, $50,000 Ages 80+: $12,000 |
| Deductibles | $0; $50; $100; $250; $500; $1,000; $2,500 per Participating Member, per Coverage Period |
| Pre-existing Condition Look-Back | 730 days from Effective Date of Coverage |
| Coinsurance - Claims incurred in US or Canada | After the Deductible the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived if Eligible Medical Expenses are incurred within the Preferred Provider Organization Network. |
| Coinsurance - Claims incurred outside the US or Canada | After the Deductible the Plan will pay 100% of Eligible Medical Expenses to the Maximum Limit |
| Pre-notification Penalty | 50% of Eligible Medical Expenses |
| Hospital Indemnity | $150 Sub-Limit per night, maximum for 7 nights for Inpatient Hospitalization, Outside the US and Canada only |
| Hospital Room and Board | Average semi-private room rate, which would include nursing services |
| Intensive Care Unit | Usual, Reasonable, and Customary charges to the Maximum Limit |
| Emergency Room Illness or Injury | Usual, Reasonable, and Customary charge, Subject to additional $350 Deductible if Illness or Injury does not result in Hospitalization |
| Physician Visit | Usual, Reasonable, and Customary charges |
| Physical Therapy | $60 Sub-Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period |
| Prescription Drugs | Reimbursement Only, Usual, Reasonable and Customary charges, Subject to 20% Coinsurance inside the US |
| Urgent Care Services Claims in US or Canada | $35.00 Copayment per visit, Subject to Coinsurance (Not subject to Deductible) |
| Emergency Quarantine Indemnity COVID-19 | Up to $50 Sub-Limit per day (maximum of 10 days). Must submit proof of quarantine mandated by a physician or governmental authority. Quarantine must be due to the Participating Member testing positive for COVID-19/Coronavirus/SARS-CoV2 or being symptomatic and waiting on a diagnostic test result. Quarantine is not available in your home country. (Not subject to Deductible or Coinsurance) |
| Covid-19 / Coronavirus | $100,000 Maximum Sub-Limit |
| Sudden Onset of Pre-existing Conditions | $150,000 Sub-Limit for Maximum Limits purchased for $550,000 or $1,100,000; All other Maximum Limits purchased will have a $50,000 Sub-Limit, Emergency Medical Evacuation $25,000 Sub-Limit, only available to Participating Members under the age of 70 |
| Local Ambulance | Usual, Reasonable, and Customary charges, when covered Illness or Injury results in Hospitalization |
| Complications of Pregnancy | Up to 26 weeks of gestation. Usual, Reasonable and Customary charges |
| Durable Medical Equipment | Usual, Reasonable, and Customary charges, limited to a standard hospital bed and/or a standard basic wheelchair |
| Dental - Injury as Result of Accident | $1,000 Sub-Limit per Coverage Period, available for Policies purchased for 180 days or more |
| Dental - Acute Onset of Pain | $500 Sub-Limit per Coverage Period, available for Policies purchased for 90 days or more |
| Emergency Vision Exam | Up to $100 for an emergency Eye Examination for the replacement of Contact Lenses or Eye Glass as a result of an accident |
| Emergency Medical Evacuation | Up to Policy Maximum; Benefit reduced when related to Sudden Onset of Pre-existing Conditions |
| Emergency Reunion | Up to $100,000 Maximum Sub-Limit |
| Return of Mortal Remains | $50,000 Maximum Sub-Limit |
| Return of Minor Dependent Child(ren) | $50,000 Maximum Sub-Limit |
| Quick Trip Home Country Coverage | 14 days cumulative Home Country Coverage, subject to 90-day minimum purchase, As defined in the policy |
| End of Trip Home Country Coverage | 15 days free with a 180-day purchase, or 30 days free with a 364-day purchase, As defined in the policy |
| Border Protection | Up to $500 for the reimbursement of travel expenses on a valid B-2 visa with travel to the US if denied entry at the US Border. Not subject to Deductible or Coinsurance |
| Lost Checked Luggage | $500 Sub-Limit per Coverage Period, As defined in the policy (Not subject to Deductible or Coinsurance) |
| Accidental Death & Dismemberment (AD&D) Participating Members age 18 and older | Up to $30,000 Maximum Principal Sum; Death of Primary Participating Member-$30,000; Death of Spouse-$20,000; Death of Dependent Child(ren)-$6,000; Loss of 2 or more Limbs or Sight in both eyes-$30,000; Loss of 1 Limb or Sight in 1 eye-$15,000; Age 70-74 Benefits are reduced by 50%; Age 75+ Benefits are reduced by an additional 50%; $250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance) |
| Accidental Death & Dismemberment Participating Members under the age 18 | Up to $6,000 Principal Sum; Death of Participating Member-$6,000; Loss of 2 or more Limbs or Sight in both eyes-$6,000; Loss of 1 Limb or Sight in 1 eye-$3,000; $250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance) |
| Common Carrier Accidental Death | $50,000 Principal Sum for the Death of a Participating Member age 18 and older; $30,000 Principal Sum for the Death of a Participating Member under age 18. $250,000 Maximum Principal Sum for any one Family (Not subject to Deductible or Coinsurance) |
| Political Evacuation | Up to $100,000 Sub-Limit (Not subject to Deductible or Coinsurance) |
| Act of Terrorism | $50,000 Sub-Limit, Eligible Medical Expenses only |
| Third-Party Liability | $500 Sub-Limit, As defined in the policy |
| Bedside Visit-Outside the US | $1,000 Sub-Limit, Participating Member must be Hospitalized for at least 5 days, Reimbursement only |
| Trip Delay / Missed Connection | $100 Sub-Limit per day (maximum 2 days), After a 12-hour delay period, As defined in the policy |
| Trip Interruption Benefit | Up to $10,000 Sub-Limit per Coverage Period (Not subject to Deductible) |
| Emergency Pet Return Home | Up to $500 Sub-Limit per Coverage Period for an economy return ticket for a cat or dog in the event you are hospitalized for 36 hours or more |
| Rental Car Deductible Reimbursement | Up to $500 Sub-Limit. (Not subject to Deductible) |
| Local Burial or Cremation | Up to $5,000 Maximum Sub-Limit (Not subject to Deductible or Coinsurance) |
| Natural Disaster-Relocation Accommodations | Up to $500 Sub-Limit per day (maximum of 5 days) per Coverage Period (Not subject to Deductible or Coinsurance) |
*This is only a consolidated and summary description of some of the current benefits, conditions, limitations and exclusions. An Evidence of Insurance containing the terms, conditions and exclusions will be included in the fulfillment kit. The administrator reserves the right to issue the most current Evidence of Insurance for this plan in the event this application and / or brochure has expired, is modified, or is replaced with a newer version. A complete copy of the Master Policy is available at all times upon request.
Who is the Administrator?
Headquartered in Indianapolis, Indiana, the administrator, is a service first organization formed by professionals with nearly 30 years in the international insurance industry. The mission is to provide the finest value combination of product offering, administration and client service available in the international market today.
If it is important to you to do business with an organization that is committed to service excellence, ethical conduct and philanthropic pursuits, the administrator is the choice to meet your requirement. The administrator is a Managing Agency for our insurer, certain Underwriters at Lloyd's, London and the scheme administrator for Beacon International.
Who Insures This Plan?
The preeminent name in international insurance is Lloyd's, London. This largest, oldest and most respected insurance market is the insurer on all the administrator plans. You will have the security of knowing that you are working with an insurer who has paid every eligible claim for more than 320 years. Lloyd's is rated 'A' by AM Best Company and Standard & Poor's for their Superior ability to pay claims.
Who is Eligible To Purchase Beacon International?
Anyone more than 14 days old who travels outside of their home country should be protected with Beacon International. If you are a US citizen, your home country is always the US. If you are a non-US citizen, your home country is the location of your principal residence and where you receive mail at the time of your application for insurance.
Pre-certification
In order to receive complete benefits, hospital admissions, trip interruptions, repatriation of mortal remains, emergency medical evacuations, any eligible inpatient or outpatient procedure as indicated in the Evidence of Insurance, must be precertified by contacting the administrator through the contact information indicated on the member's identification card prior to receiving service. In the case of emergency hospital admission, the administrator must be contacted within the first 48 hours of admission or as soon as possible. Pre-certification is not a guarantee of coverage.
What if I Stay Longer?
Sometimes you just need to little more time away from things at home. With Beacon International , it is easy to stay covered, simply login to MyAccount after your initial purchase and you can extend your plan up to a maximum overall Coverage Period of 364 to 728 days depending upon your citizenship. If you purchase at least 10 days of initial coverage and provide the administrator with your email address, you will receive an email reminder with instructions for extending your coverage 5 days prior to your Beacon International termination date. You may extend multiple times, up to the maximum allowed Coverage Period.
International Client Assistance
If it matters to you to know that someone is always by your side while traveling in a distant land, Beacon International can ease your mind while you are away from the familiar surroundings of home. For no extra charge, Beacon International Plan includes the following key services to help you when you are in the greatest need:
Real Time - Call Center are in the greatest need: Never worry about accessing the assistance you need while you are many time zones away. A caring, helpful voice on the other end of the phone is always available, no matter where you are and what time it is.
Lost Baggage Tracking - If you have ever had to chase down your airline baggage department to find out where your luggage may have gone, you will appreciate our ability to do so on your behalf. Enjoy your travel without having to make multiple phone calls to get updates on your baggage delivery.
Medical Referrals - Need a doctor or the nearest hospital? One free call gets you the information you need.
Travels Advisories - Get in the know, before you go; call us to learn areas to avoid, travel delays, weather alerts and more.
What If I Have a Claim?
The claim process is quite simple. In the event that you have a claim for eligible expenses you have already incurred, simply complete our Claim Form, which is included in your plan fulfillment. Submit the completed form, original itemized bill and receipt of payment to our office, in which all eligible expenses will be promptly reimbursed. As with every aspect of our operations, if you have any difficulty, simply contact us and we will gladly help you with completing the process. In the event that you have a large or ongoing claim, your pre-certification through the administrator will in many cases allow us to arrange for your care and payment directly to your healthcare provider.
What is Usual, Reasonable and Customary (URC)?
The term URC refers to the prevailing charges for services delivered within a geographic area.
What is Not Covered?
Pre-existing Conditions - Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance (Except for Sudden Onset of Pre-existing Condition).
Pregnancy - Charges related to Pregnancy, including but not limited to pre-natal care, child birth, post-natal care, false labor, edema, prolonged labor and/or prescribed rest during the period of pregnancy, including new born care.
Sport Injuries - A result of engaging in Hazardous Sports without the purchase of the Optional Sports Rider.
Alcohol/Drugs - Any injury or illness sustained after the consumption of alcohol or drugs or for the treatment of substance abuse.
Note: This is a partial list and description of exclusions. For a full description, please contact the administrator for a copy of the Evidence of Insurance.
Beacon International Rates (Travel to Exclude U.S)
| Daily Rate - $250 Deductible | ||||||||
|---|---|---|---|---|---|---|---|---|
| Age | Maximum Limit | |||||||
| $25,000 | $60,000 | $75,000 | $110,000 | $200,000 | $550,000 | $1,100,000 | $2,000,000 | |
| 18-29 | $0.72 | $0.80 | $0.84 | $0.99 | $1.05 | $1.14 | $1.24 | $1.72 |
| 30-39 | $0.84 | $0.95 | $0.99 | $1.12 | $1.20 | $1.40 | $1.44 | $2.28 |
| 40-49 | $1.40 | $1.56 | $1.64 | $1.88 | $1.99 | $2.04 | $2.08 | $3.10 |
| 50-59 | $2.40 | $2.70 | $2.85 | $3.14 | $3.34 | $3.20 | $3.28 | $4.80 |
| 60-64 | $3.02 | $3.38 | $3.44 | $3.75 | $3.98 | $4.84 | $4.94 | $6.50 |
| 65-69 | $3.60 | $4.05 | $4.08 | $4.42 | $4.70 | $5.15 | $5.30 | $7.75 |
| 70-79* | $5.32 | $5.98 | N/A | N/A | N/A | N/A | N/A | N/A |
| 80+** | $11.18 | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Dep. Child | $0.65 | $0.74 | $0.78 | $0.88 | $0.94 | $1.05 | $1.14 | $1.30 |
| Child Alone | $0.72 | $0.82 | $0.85 | $0.99 | $1.05 | $1.14 | $1.36 | $1.66 |
*$50,000 Maximum Limit for ages 70-79; **$12,000 Maximum Limit for age 80 and over
Administrator
Azimuth Risk Solutions8520 Allison Pointe Blvd.
Suite 220
Indianapolis, IN 46250
FOR ADDITIONAL INFORMATION
Paul Hummel Insurance Sales and Consulting677 North Main Street
East Windsor, NJ 08520
United States
Phone: 609-366-2295
Fax:
609-210-0498
Website: hummel.brokersnexus.com
Version: 08/23/2022