Meridian Essential & Enhanced Plans

From Azimuth Risk Solutions

Annually renewable, Meridian Essential & Meridian Enhanced are comprehensive international medical insurance plans that provide coverage for people living outside of the US for at least 6 months per year.

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Meridian Plan Limitations & Exclusions

Pre-existing conditions:  Any Illness, Injury or Mental or Nervous Disorder that, with reasonable medical certainty, existed on or at any time prior to the Initial Effective Date of this insurance, whether or not previously manifested or symptomatic, diagnosed, treated or disclosed on the Application or on any Claim Form or otherwise, including any chronic, subsequent or recurring complications or consequences associated therewith or arising or resulting therefrom.

If your Pre-existing Conditions have been fully disclosed on your Application and if you are accepted for coverage on any of the following plans:

  • Meridian Enhanced: After coverage has been in effect for 12 continuous months, the Enhanced plan option provides you with coverage that is equal to any other illness or condition as long as you properly disclose any pre-existing condition on the application and it's not excluded or limited by a rider, subject to deductible and coinsurance.
  • Meridian Basic: After coverage has been in effect for 24 continuous months, the Basic plan option provides a $50,000 lifetime benefit, if you properly disclose any pre-existing condition on the application and it's not excluded or limited by a rider, subject to a maximum of $10,000 per period of coverage.
  • Meridian Clear: After 24 months of continuous coverage, the existing condition will be limited to $5,000 in any one Coverage Period and a plan maximum of $50,000. The Meridian Clear Plan provides no coverage for prescription drugs to treat pre-existing conditions at any time.

Pre-existing Conditions include any Injury, Illness or Mental Health Disorder that existed at or prior to your initial effective date, including chronic or recurring conditions.

The following charges, treatments, care, services, supplies and/or conditions are excluded from coverage:

  1. Investigational, experimental or research procedures
  2. Charges for cosmetic surgery or weight modification
  3. Treatment for sleep disorders/hair growth/exercise programs
  4. Contraceptive medication or treatment
  5. Drug and alcohol abuse treatment
  6. Organ transplants not specifically listed
  7. Treatment resulting from illegal activities
  8. Speech therapy
  9. Persons HIV+ at effective date
  10. Adult routine physical examinations are excluded under the Basic and Enhanced plan for the first 12 months
  11. Treatment as a result of terrorism, war or riot
  12. Charges which are not medically necessary, or are not performed by order of a physician

This is only a consolidated and summary description of some of the current Azimuth Risk Solutions benefits, conditions, limitations and exclusions. An Evidence of Insurance containing the terms, conditions and exclusions will be included in the fulfillment kit. Azimuth 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.

Illness or Surgery within 180 Days:

Illness waiting period - for 180 days from your Effective Date, the following are ineligible for coverage: asthma, allergies, any condition of the breast, any condition of the prostate, tonsillectomy, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, diverticulitis, hysterectomy, hernia, intervertebral disc disease, gall stones or kidney stones.

Emergency Medical Evacuation:

In the event you suffer a life threatening injury or illness, the Meridian Series provides benefits that are prepared to respond in a time of crisis. Emergency medical evacuation provides transportation to the nearest facility that is equipped to properly care for your condition. This does not necessarily mean a return to your home country or any specific country or territory, as the condition may demand treatment in a timely fashion which would not be the case if it was necessary for you to be repatriated. All emergency medical evacuations must be pre certified and coordinated by Azimuth Risk Solutions, LLC to be eligible for coverage.

Emergency Reunion:

We know it's important not to feel alone at a time of crisis, so the Meridian Series provides coverage to transport an immediate family member or friend to your bedside in the event you are evacuated. The Meridian Series will pay for round trip air or ground travel as well as lodging and meals for up to 15 days so that you will have companionship during your recovery.

General Customer Service:

The ARS Client Center is a tremendous online resource which allows you to access information about your insurance on a round the clock basis. Whether you need to print a replacement identification card, to find a nearby doctor, check on a claim or much more, you can do so from any computer in the world. Azimuth recognizes that there are times that nothing substitutes for a caring human being. That is why the service first corporate culture is embodied in every phone call and every contact Azimuth makes with our valued clients.


A general determination of Medical Necessity, only, made in reliance and based upon the completeness and accuracy of the information provided at the time thereof. Pre-certification is not an assurance, authorization, or verification of coverage, a verification of benefits, or a guarantee of payment.

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. is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

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