Covered Expenses - Expenses that are incurred for medical care and supplies which are: (a) necessary and customary; (b) prescribed by a Physician for the therapeutic treatment of a disablement; (c) are not excluded under the policy; (d) are not more than the Reasonable and Customary charges (as determined by the Company); and (e) are incurred within 365 days for US Citizens or 180 days for Non US Citizens from the date of the disablement will be considered.

1. Expenses made by a Hospital for room and board, floor nursing and other services, including Expenses for professional services, except personal services of a non-medical nature, provided, however, that Expenses do not exceed the Hospital's average charge for semi-private room and board accommodation.
2. Charges made for Intensive Care or Coronary Care charges and nursing services;
3. Expenses made for diagnosis, Treatment and surgery by a Physician.
4. Charges made for an operating room.
5. Charges made for Outpatient Treatment, same as any other Treatment covered on an  Inpatient basis. This includes ambulatory Surgical centers, Physician's Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
6. Expenses made for administration of anesthetics.
7. Expenses for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical Treatment.
8. Expenses for physiotherapy, if recommended by a Physician, for the Treatment of a specific Disablement and administered by a licensed physiotherapist; With regards to chiropractic care, eligible charges up to $50.00 per visit, with a maximum of 10 visits.
9. Dressings, drugs, and medicines that are prescribed by a Physician.
10. Hotel room charge, when the insured, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified  Physician in a hotel room owing to the unavailability of a  Hospital room.

 

Sudden Recurrence of a Pre-Existing Condition (US Citizens Only) - Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition.

 

Emergency Dental Treatment (Palliative) - Benefits are paid for Reasonable and Customary Expense up to $100 for the emergency Treatment for the relief of pain to natural teeth.

 

Emergency Medical Evacuation - Benefits are paid for Covered Expense incurred up to $500,000 for any covered Injury or Illness that requires immediate transportation from the place where You are located (due to inadequate medical facilities).

 

 

Political and Natural Disaster Evacuation - Coverage is provided up to $50,000 ($100,000 if the Enhanced PND Benefit is purchased) if the Insured requires emergency evacuation due to situations which place him/her in Imminent Bodily Harm or due to a Natural Disaster.

 

*Some Exclusions Apply*

 

See the full Diplomat International Description of Coverage