Medical Insurance for Expatriates

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Medical Insurance for Expatriates

 

ProtExPlan

Insurance for Expatriates

Cabo San Lucas – Los Cabos – Mexico – Latin America

Travel Insurance for Cabo San Lucas and throughout Mexico
International Health Insurance for Cabo San Lucas and throughout Mexico

  Policy Options       Travel Insurance

FULL MEDICAL INSURANCE FOR CABO SAN LUCAS GRINGOS

Did You Know Most U.S. & Canadian Plans DO NOT Provide Coverage in Mexico

WE OFFER FULL MEDICAL COVERAGE WORLDWIDE

$2.5 – $5 Million Worldwide Coverage

Air Evacuation Included • Guaranteed Renewal

What is the difference between Travel and Medical Insurance?

Travel insurance is usually for short periods but can be for up to 3 years and does not cover urgent or elective medical problems. It covers only accidents and emergencies. Travel insurance companies expect you to end your trip and return home for elective or urgent treatment, and some policies require return home before your planned return date once diagnosed. For example, if you were diagnosed with cancer while on a travel policy, there might be an urgent requirement to commence treatment, but it is not life or death to get on an airplane and return home. Travel insurance is also not renewable. If you do have a serious medical problem, your coverage will end at expiry or when you return home. ProtExPlan medical insurance covers urgent and elective medical problems like cancer, and is guaranteed renewable. If you have expatriate medical insurance, you don’t need travel insurance unless you are traveling outside your area of cover. The underlying assumption with travel cover is that you have proper medical insurance at home or in your country of residence to return. The policies below cover trip cancellation, missed departure and provide the kind of benefits that medical insurance policies don’t have like lost baggage etc. If you have expatriate medical insurance, you don’t need the medical cover that travel insurance polices have, but you may wish to have the kind of non-medical travel insurance benefits that travel insurance polices often come with. So please have a look at the Patriot TRIP policies below if you’d like to have these benefits.

Patriot: Trip Cancellation Cover

To help protect you from losing the money you’ve spent to travel to Mexico, there is Patriot T.R.I.P., Patriot T.R.I.P. provides protection to travelers who are unable to travel or are interrupted during their trips due to circumstances such as illness or injury, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline.

Travel Cover for Groups of 5 or more: Patriot Group Travel Insurance

Options on the above patriot travel policies include a minimum deductible of US$0, with deductible choices to US$2,500. Policy maximums range from US$50,000 to US$2,000,000 and cover is available for a minimum of 5 days to a maximum of 1 year. Patriot Group has the same benefits but offers a discount on the individual Patriot Travel Insurance rates.

Note: By purchasing the Patriot Adventure Sports Rider with either of the above plans, cover for the following sports are included:

Travel Cover for Adventure Sports: Patriot Adventure

This plan offers a deductible of US$250 and a US$50,000 policy maximum. Cover under the Patriot Adventure plan must be purchased for a one month minimum up to a maximum of six months. The following adventure sports are covered under the plan: abseiling, BMX, bungee jumping, canyoning, caving, flying (private plane), hang gliding, heli-skiing, high diving, horsebeck riding, hot air ballooning, jet sking, jungle zip lining, kayaking, inline skating, motorcycle/motorscooter riding, mountain biking, mountaineering, paragliding, parascending, rappelling, rock climbing, scuba diving (to 50m), skydiving, snorkeling, snow skiing, snowboarding, snowmobiling, spelunking, surfing, trekking, wakeboarding, water skiing, whitewater rafting (to class V), wildlife safaris and windsurfing.

Note: The above Patriot policies cannot cover anybody traveling to their home country of citizenship.

Patriot: Trip Cancellation Cover

To help protect you from losing the money you’ve spent to travel, there is Patriot T.R.I.P., Patriot T.R.I.P. provides protection to travelers who are unable to travel or are interrupted during their trips due to circumstances such as illness or injury, jury duty, job layoff, terrorism or the bankruptcy of the tour operator, cruise line or airline.

Patriot Student: Student Trip Cancellation Cover

Patriot Student T.R.I.P. is a cost effective insurance program designed to provide cancellation coverage to students for many of those unforeseen circumstances that may force the cancellation of travel plans or interrupt a covered trip. This program provides coverage for trip cancellation, trip interruption, lost and stolen baggage, emergency medical evacuation and much more.

Patriot Elite : Premium Trip Cancellation Cover

To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premium travel cancellation insurance program. Patriot T.R.I.P. Elite provides coverage for many of those unforeseen circumstances that may force the cancellation or interruption of your covered trip. In addition, this program can provide benefits for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home. Note: If you have expatriate medical insurance, you already have the Medical and Evacuation and Repatriation benefits that this policy provides.

Patriot Student: Student Trip Cancellation Cover

Patriot Student T.R.I.P. is a cost effective insurance program designed to provide cancellation coverage to students for many of those unforeseen circumstances that may force the cancellation of travel plans or interrupt a covered trip. This program provides coverage for trip cancellation, trip interruption, lost and stolen baggage, emergency medical evacuation and much more.

Patriot Elite : Premium Trip Cancellation Coverre

To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite, a premium travel cancellation insurance program. Patriot T.R.I.P. Elite provides coverage for many of those unforeseen circumstances that may force the cancellation or interruption of your covered trip. In addition, this program can provide benefits for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home. Note: If you have expatriate medical insurance, you already have the Medical and Evacuation and Repatriation benefits that this policy provides.

Health Insurance

Level 1 Global Fusion Bronze Cover

Description: This plan is a hospital cover only plan with very limited outpatient benefits. Most people take it with a high deductible since hospitalization is a rare event. It is also called Protexplan Bronze.

A: In-Patient & Day-Patient Treatment
1.Surgery, Surgeons, Consultants, Second Surgical opinion, Medical Practioners, Nurses, Treatment, Services and Supplies routinely provided and Ancillary Charges. FULL COVER  2. Hospitalisation / Room Board. FULL COVER

3. Intensive Care unit. FULL COVER4. Anaesthetist’s Charges associated with Surgery. FULL COVER5. Diagnostic, Tests and Procedures, X-Rays, Pathology, & MRI/CT Scans. FULL COVER
6. Prescribed Drugs, Dressings and Durable Medical Equipment. FULL COVER7. Reconstructive Surgery – following an accident or following surgery for an eligible condition. FULL COVER 8. Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy. FULL COVER9. Physiotherapy. FULL COVER 10. Parental Hospital Accomodation. FULL COVER.11. Prosthetic Devices. FULL COVER12. Transplants. $250,000 usd per transplant13. State Hospital Cash Benefit. $300 usd per night, 60 nights
B: Out-Patient Treatment, Wellness Benefits and Other Coverage
1. Out-Patient including: Family Doctor, Treatment and Referral, Specialists and Consultants, X-Rays, Pathology, Diagnostic Tests and Procedures No Family Doctor Cover. Specialist & Consultants: Up to $500 prior de admission*, then up to $500 usd following related Out-Patient Surgery or In-Patient treatment for 90 days after leaving the hospital, including Pre* & Post Hospital: $250 usd X-Ray per Examination Maximum Limit; $300 usd Lab test per examination (Maximum Limit). 2. Emergency Room Illness, Waived if admitted as an In-Patient or Day-Patient (Additional $250 usd Excess if not admitted). NO COVER3. Emergency Room Accident. NO COVER

4. Supplemental Accident Benefit. NO COVER 5. Out-Patient Surgery. FULL COVER 6. MRI, CAT Scan, Echocardiography, Endoscopy, Gastroscopy, Colonoscopy, Cystoscopy. $600 usd maximum per examination.

7. Cancer Tests, Drugs, Treatment and Consultants, including cover for Chemotherapy and Radiotherapy. FULL COVER.8. Prescribed Out-Patient Drugs, Medicines, Dressigns and Durable Medical Equipment. Up to $6000 usd. Following and in relation to In-Patient Treatment or Out-Patient Surgery. For 90 days after leaving hospital.

9. Physiotherapy, Homeopathic and Osteopathic Therapy. Physiotherapy Only: Relating to In-Patient Treatment, Out-Patient Surgery. Up to $40 usd per visit. 10 visit Maxmimum. For 90 days after leaving the hospital.

10. Complementary Medicine, Acupuncture, Aroma Therapy, Herbl Therapy, Massage Therapy, Vitamin Therapy, Traditional Chinese Medicine. NO COVER11.AIDS/HIV Treatment. NO COVER12.Home Nursing Care. 30 Days Limit: Up to $150 usd per visit.13. Rehabilitation. NO COVER.14. Extended Care Facility. NO COVER.15. Hospice Care. NO COVER.16. Adult Wellness and Health Check – includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance) – After 12 months of continuous coverage (6 months on Platinum). NO COVER.17. Child Wellness and Health Check (Under 18 years of age) – Includes Hearing Test, Sight Test and Vaccinations/Inoculations (Not subject to Annual Excess or Co-Insurance) – After 12 months of continuous coverage (6 months on Platinum). NO COVER.18a. Pre-Existing Medical Conditions. Full Medical Underwriting Option*: – After 24 month continuous cover. -Declared and Accepted Conditions (unless otherwise excluded or terms applied as indicated otherwise in writing) – Flexible Underwriting Option availale – refer to page 23. NO COVER.OR

18b. Moratorium Enrolment & Underwriting Option* – After 24 months of continuous coverage: subject to 24 months without treatment, symptoms, medication or consultation* – Available to insureds up to age 54. NO COVER.

*Cover in respect of Pre-Existing Conditions is as selected at time of application and identified on your Certificate of Insurance. Refer to page 23 for further details and Policy Wording for full Policy definitions, terms, conditions and restrictions.

19. Newly Diagnosed Chronis Conditions. COVERED.20. Mental/Nervous -After 12 months of continuous coverage. NO COVER.

C: Travel, Transportation and Out of Area Benefits

1. Emergency Local Ambulance. Up to $1,500 usdper event. Not subject to Annual Excess or Co-Insurance.2. Emergency Evacuation and Transportation To the Nearest Suitable Hospital Facility Up to $50,000 usd Not subject to Annual Excess or Co-Insurance. 3. Accompanying Relative, Travel and Accommodation. NO COVER.4. Cremation/Burial or Return of Mortal Remains. $10,000 Lifetime Limit. No subject to Annual Excess or Co-Insurance.

5. Remote Transportation. For additional transport for on-going Treatment once stabilised. NO COVER6. Security & Political Evacuation & Repatriation. NO COVER 
7. Worldwide Accident & Emergency Out of Area Coverage. 15 days maximum.

D: Dental Treatment & Vision Care Benefits

1. Emergency Dental Due to Accident. Up to $1,000 usd2. Emergency Dental due to sudden unexpected pain to sound natural teeth. NO COVER

Annual Excess and Co-Insurance

Annual Excess Options
– Per Insured Person, Per Period of Insurance

$250 to $10,000 50% waived (up to a maximum reduction of $2,500) for: US PPO Out-Patient & Emergency In-Patient Treatment & Non-Emergency In-Patient US Medical Concierge Provider Treatment

Family Maximum Annual Excesses.
3 x Individual Annual Excess

Annual Excess Carry Forward – If prior Annual Excesses not met, then last 30 days Expenses from the previous Period of Insurance are carried forward and applied towards satisfying the Annual Excess for the next Period of Insurance. Yes

Co-Insurance within the USA & Canada PPO Network / Co-Insurance outside the USA and Canada.
No Co-Insurance.

Co-Insurance Payable by Insured inside the USA and Canada* – When treatment is taken outside the USA & Canada PPO Network -(*No Co-Insurance for Non-Emergency In-Patient Treatment when utilising a USA Medical Concierge Provider)
20% of the next $5000 usd eligible expenses after the Annual Excess, then No Co-Insurance to the overall maximum per Period of Insurance.

Please refer to the full Policy documentation for all applicable terms, conditions, limitations and exclusions – Available upon request.

 If you are an expatriate living in Cabo San Lucas, we have an insurance plan for you.

 

protexcare -insurance -cabo san lucas - mexico

 

Contact: Roger Anthony

Cell: 624-129-2179 • U.S. Toll Free: 1-800-608-5743

MX Toll Free: 01-800-681-6730 • info@protexcare.com

roger@protexplan.com • www.protexcare.com

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