Abacus Insurance & Financial Services
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对比美国团体旅游保险
以下是各种国际团体旅游健康保险的高级对比。 请将此对比作为参考，不要仅通过对比做出决定。因为把所有信息都准确地通过这样简单的对比呈现出来是不太可能的，如果您有任何不清楚，疑惑或是问题，请参考相应保险合同以了解完整信息。 想要了解更多信息请电话联系我们。 如果对比和实际保险合同有差别，请以合同为准。
所有金额均以美元为单位。
任何保险均不承保常规体检和检查(健康检查，视力，眼镜，牙科等)。
通用
医疗 - 门诊
To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum
In U.S.: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum.
In U.S.: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum
In U.S.: Extra $250 copay for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
Deductible waived, $15 copay; unless $0 deductible.
To policy maximum
In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
医疗 - 住院
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
医疗 - 其它治疗和服务
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional: Adventure Sports, available for ages under 65.
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum
Must be ordered in advance by physician.
Acute onset only, for persons under 70: Medical to policy maximum. Medical evacuation up to $25,000.
Included
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional: Adventure Sports, available for ages under 65.
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum
Must be ordered in advance by physician.
-
不包括
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional: Adventure Sports, available for ages under 65.
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum
Must be ordered in advance by physician.
Acute onset only for persons under 70. US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: Ages 69 and younger up to $1,000,000. Medical evacuation up to $25,000.
Included
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Included
牙科
旅游
-
$10,000
12+ hours: $100/day; 2 days maximum
Primary$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$500
人寿
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
Under 18: $5,000, Ages 18-69: $25,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family.
Under 18: $10,000, Ages 18-69: $50,000, Ages 70-74: $25,000, Ages 75+: $12,500; maximum $250,000 per family.
其它
Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 30 days per every 3-month period.
$100 per day
-
$250 per day, 5 day maximum for accommodations.
$50,000 Eligible medical expenses only
Included
保险特征
Before effective date, full refund.
After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000
Bedside Visit $1,500
Political Evacuation and Repatriation: $100,000
Pet Return: $1,000
Optional: Teladoc coverage
Email
Annual
$0 至 110
$100 至 110
$250 至 110
$500 至 110
$1,000 至 110
$2,500 至 110
Lifetime Maximum
$10,000 80-110
$50,000 至 79
$100,000 至 79
$250,000 至 69
$500,000 至 69
$1,000,000 至 69
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
Before effective date, full refund.
After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000.
Bedside Visit $1,500.
Political Evacuation and Repatriation: $100,000.
Pet Return: $1,000.
Optional: Teladoc coverage
Email
Annual
$0 至 110
$100 至 110
$250 至 110
$500 至 110
$1,000 至 110
$2,500 至 110
Lifetime Maximum
$10,000 80-110
$50,000 至 79
$100,000 至 79
$250,000 至 69
$500,000 至 69
$1,000,000 至 69
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
Before effective date, full refund.
After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 3 years maximum
$0
$0
Personal Liability: $25,000;
Bedside Visit $1,500;
Political Evacuation and Repatriation: $100,000, must be approved in advance by the administrator.
Email
Annual
$0 至 110
$100 至 110
$250 至 110
$500 至 110
$1,000 至 110
$2,500 至 110
$5,000 至 110
$10,000 至 110
$25,000 至 110
Lifetime Maximum
$20,000 80-110
$100,000 70-79
$1,000,000 至 69
$2,000,000 至 64
$5,000,000 至 64
$8,000,000 至 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
-
Before effective date, full refund.
After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 12 months maximum
$0
$0
Personal Liability: $25,000
Crisis Response: $10,000
Bedside Visit: $1,500
Pet Return: $1,000
Political Evacuation: $100,000.
Email
Per Policy Period
$0 至 99
$100 至 99
$250 至 99
$500 至 99
$1,000 至 99
$2,500 至 99
$5,000 至 99
Lifetime Maximum
$10,000 80-99
$50,000 至 79
$100,000 至 79
$250,000 至 64
$500,000 至 64
$1,000,000 至 64
$2,000,000 至 64
WorldTrips
Lloyd's
- 对于医疗保障，承保至最高保额，参考通常，合理和惯常费用。 除非有明确说明，否则将适用自付额和共同保险。
- 当PPO网络内和PPO网络外的福利水平存在差异，上述福利适用于PPO网络内的治疗。
- 除非有明确说明，否则所显示保障均指每个人的保障
- 上方区域的划线（-）表示不适用。