Does International Medical Insurance Make Sense for Me?
If it matters to you to have flexibility and security in where, when and how you receive your health care services, the Meridian Series can offer you peace of mind. This peace comes from the knowledge that you will have the ability to choose access to the best medical care available, either in your country of residence, or anywhere you may elect to go for its delivery in the world. The Meridian Series of plans provides you with a private medical care alternative that allows you to choose from any provider, no matter where they practice in the world and know that you have the ability to positively impact the quality of your medical services. Whether you are seeking the richest schedule of benefits in the market today with our Meridian Enhanced Plan or need an essential set of affordable, predictable benefits with our Meridian Basic Plan, Azimuth Risk Solutions, LLC has created a plan to make what is important to you important to us.
Who Is Eligible for the Meridian Series?
Clients who qualify medically and are more than 14 days old and under the age of 65 who either live outside of the United States, or who would not qualify for a US domestic health insurance plan as a result of their citizenship status would be able to apply for the plan and once accepted, would be able to renew indefinitely with no medical questions at their renewal period subject to the terms of the Evidence of Insurance. Those clients who qualify medically and are accepted on the plan after the age of 65 would be able to renew their plan up to their 75th birthday. If you are a US citizen, you must leave the US within 30 days of your effective date of insurance and within 30 days of your renewal date. If you are in the US at that time you will receive notice of your renewal approximately 60 days in advance of your date of renewal.
The Meridian Basic provides a premium menu of essential, generous, yet affordable benefits. If great value at a price which will still allow room for the rest of life's expenses is vital to you, the Meridian Basic is the right fit for you.
The Meridian Enhanced plan offers the premier benefits available in the international medical insurance market today. If it is important to you that only the best medical insurance plan will be sufficient for you, the Meridian Enhanced provides the richest in benefits while still offering you the kind of quality premium value that only Azimuth is able to provide.
The Meridian Clear Plan provides coverage to a much broader segment of the international medical insurance market than has been available in the past. Azimuth does this by providing predictable benefit amounts for unforeseeable illnesses and injuries at an affordable premium point. There are different choices available to you in the international medical insurance market; the key is selecting an insurance provider which you can be confident will be available to you at your time of need, which understands the culture of international living and has the security to weather the financial environment in the world as it is today. By choosing Meridian Clear, you can be certain that you have made the correct selection on all counts.
Meridian Clear Speed Underwriting
The Meridian Clear Plan is a unique plan in the international benefit industry as it is a nearly guaranteed issue plan provided the client meets the underwriting gatekeeper questions on the application. Because of its super fast issue, our clients who have a need for immediate longer term coverage, don’t enjoy an optimal medical history or simply don’t wish to be bothered with dedicating the time necessary for completion of a detailed medical questionnaire are terrific prospects for the Meridian Clear. The first step is for ARS to determine whether the client will qualify medically for this robust defined benefit plan.
International Client Assistance:
If it matters to you to know that someone is always by your side while traveling in a distant land, the Meridian Series can ease your mind while you are away from the familiar surroundings of home. For no extra charge, each Meridian Series Plan includes the following key services to help you when you are in the greatest need:
- 24/7 Live Call Center never worry about getting lost in voicemail while you are many time zones away. A caring, helpful voice on the other end of the phone is always ready to help
- Lost Baggage Tracking if you've 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
- Travel Advisories get in the know, before you go; call us to learn areas to avoid, travel delays, weather alerts and more
- Crisis Cash Advance - We will assist you in arranging and obtaining cash transfers anywhere in the world.
Azimuth Risk Solutions, LLC (Azimuth)
Headquartered in Indianapolis, Indiana, Azimuth Risk Solutions, LLC (Azimuth) is a service-first organization formed by professionals with nearly 30 years in the international insurance industry to provide simply the finest in product offering, administration and support after the sale of international health, travel and life insurance products. If it's important to you to do business with an organization that is committed both to service excellence and to ethical conduct as well as philanthropic pursuits, Azimuth is the choice to meet your requirements. Azimuth is a Managing Agency for our insurer, Lloyd's, London and the Administrator for the Meridian Plans.
The preeminent name in international insurance is Lloyd's, London. This largest, oldest and most respected insurance market is the insurer on all Azimuth Risk Solutions, LLC. plans.Rated A (Excellent) by AM Best Company and A (Strong) by Standard and Poor's, Lloyd's provides financial strength and security that is unparalleled in the worldwide insurance market.
Patient Protection and Affordable Care Act (“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.