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International Health Insurance > Seven Corners
Reside Worldwide
SCHEDULE OF BENEFITS
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".
| Treatment received inside the United States and Canada (Area A) | Treatment received outside the United States and Canada (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
|
| Surgery |
$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
|
| Maternity | ||
| Normal & complicated child delivery maximum. including pre and post natal care is reimbursed according to the other medical treatment benefit schedule. Waiting period of 12 months before maternity benefit begins. |
$2,500
|
$4,000
|
| Professional service related to hospitalization, per day |
$200
|
$250
|
| Outpatient | ||
| 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
|
| Other Treatment | ||
| Dental treatment for Injury to sound, natural teeth |
$500
|
$500
|
| Psychiatrist |
$60/visit, max 10
|
$75/visit, max 10
|
| Laboratory Tests and X-Rays |
$450
|
$600
|
| 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) 12-month waiting period |
$60/visit, max 2
|
$75/visit, max 2
|
| Preventative Benefit (females and males, age 30 and over for checkups, routine physical exams, female preventative exams and mammograms, not subject to Deductible) 12-month 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
|
| Transportation | ||
| 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. |
$50,000
|
$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.
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.
The Reside Worldwide Medical Plan is underwritten by Certain Underwriters at Lloyds, London. As the largest insurance entity in the world, Lloyds has earned an A (Excellent) rating from AM Best and an A+ (Strong) rating from Standard and Poors.