Reside Worldwide Medical Insurance

All Eligible Benefits described in this section are excess of the chosen Deductible to the Maximum Benefit stated.  Each Benefit Maximum is "per sickness or injury".

Reside Worldwide Benefits
  Treatment received inside the United States and Canada (Treatment Area A) Treatment received outside the United States and Canada (Treatment Area B)
Lifetime Maximum Benefit $500,000 per Insured Person $5,000,000 per Insured Person
Deductibles Available
Deductible Options, per person per Injury/Sickness
$70, $100, $150, $250, $500, $1,000 After the per Injury / Sickness Deductible, the program will pay up to the amount listed below for each Injury / Sickness.
Inpatient Maximum Benefit Maximum Benefit
Private or semi-private room, per day (maximum of 240 consecutive days) $600 $900
Intensive care room, per day (maximum of 180 consecutive days) $1,500 $2,000
Surgical Treatment $3,000 $5,000
Anesthetist's charges, payable as a percentage of surgery $600 $1,000
Assistant Surgeon $600 $1,000
Physician’s Non-Surgical / Urgent Care Visit $60/visit, max 10 $75/visit, max 10
Laboratory Tests, X-rays, other treatment $450 $600
Prescription medication during hospitalization $100 $125
Chemotherapy and radiation therapy $1,000 $1,250
Organ Transplant $100,000 $130,000
Durable Medical Equipment $100 $200
Normal & complicated child delivery maximum. including pre and post natal care is reimbursed according to the other medical treatment benefit schedule.  Waiting period of 364 days before maternity benefit begins. $2,500 per pregnancy $4,000 per pregnancy
Professional service related to hospitalization, per day $200 $250
Surgical Treatment $3,000 $5,000
Anesthetist's charges $600 $1,000
Assistant Surgeon $600 $1,000
Physician's Non-Surgical / Urgent Care Visit $60/visit, max 10 $75/visit, max 10
Hospital Emergency Room** (all expenses incurred therein) $350 $500
Prescription medication $100 $125
Chemotherapy and radiation $1,000 $1,250
Laboratory Tests and X-Rays $450 $600
Other Treatment
Dental treatment for Injury to sound, natural teeth $500 $500
Psychiatrist $60/visit, max 10 $75/visit, max 10
Various Scans (MRI, CAT, Echocardiography, maximum per exam) $450 $600
Endoscopy, (ie. Gastroscopy, Colonoscopy, Cystoscopy) $450 $600
Chiropractors $60/visit, max 3 $75/visit, max 3
Physiotherapy $60/visit, max 10 $75/visit, max 10
Well Child Care (not subject to Deductible) 180-day waiting period, under age 19 $60/visit, max 2 $75/visit, max 2
Preventative Benefit (females and males, age 19 and over) for checkups, routine physical exams, female preventative exams and mammograms, (not subject to Deductible) 180-day waiting period $60/visit, max 1 $75/visit, max 1
Newborn Benefit
Lifetime maximum for the first 31 days after birth, per limits as stated in the Certificate of Coverage $5,000 $10,000
Local ground ambulance $1,500 $2,000
Emergency Evacuation, when treatment not available locally, pre-approved transportation to a location where appropriate treatment is available. Includes cost of return trip. $25,000 $50,000
Return of Mortal Remains $20,000 $25,000
24 Hour Accidental Death and Dismemberment Principal Sum Principal Sum
- Insured and Spouse $10,000 $10,000
- Dependent Children $2,000 $2,000
Common Carrier Accidental Death and Dismemberment    
- Insured and Spouse $40,000 $40,000
- Dependent Children $8,000 $8,000

You have your choice of six per Injury / Sickness Deductibles:
$70, $100, $150, $250, $500, $1000.

**Emergency Room Coverage Illness at an emergency room outside the United States is covered even if the insured is not admitted to the hospital. Illness treated at an emergency room inside the United States is covered subject to an additional deductible of $50 if not admitted.

Reside does not have a coinsurance amount, apart from the chosen deductible and the limits described in the Schedule of Benefits. The Lifetime Maximum amount is listed in the Schedule of Benefits.  Should you travel during the course of treatment from one area to another (whether being treated inside the United States and Canada or outside the United States and Canada), the limitations of the new area shall apply.

Reside Worldwide is underwritten by Certain Underwriters at Lloyd's of London and Tramont Insurance Company Limited. Your residence address determines which insurance carrier will provide your coverage. Pricing and benefits are identical for both Lloyd's of London and Tramont Insurance Company Limited.

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.