Our Diplomat Long Term
plan provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits, Travel Assistance and much more. This plan is designed for anyone traveling outside their home country for undetermined or extended periods of time. The flexibility and renewability of this plan makes it ideal for business and leisure travelers, expatriates, study abroad, work study programs, international exchange students, tourists, and church or missionary travelers.
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Why do long-term international travelers need this coverage?
Problem for U.S. Travelers: Most group and individual health plans sold in the United States provide limited (if any) coverage while traveling overseas. PPO’s do not extend their network’s abroad, so any difference in billing expenses or claims that are not considered eligible expenses will become the responsibility of the insured. Also, private U.S. health plans rarely provide emergency medical air evacuation and repatriation benefits back to your home country. Finally, Medicare provides no coverage outside the U.S. (see U.S. Passport for details).
Problem for Non - U.S. Citizens: Nationalized or government sponsored health plans rarely provide adequate medical coverage for illnesses or injuries sustained while traveling outside your home country. Some medical facilities could even deny services or demand up-front payment prior to admitting or treating a patient for certain medical conditions. Extreme sports, hazardous activities, emergency medical air evacuation and repatriation are usually not covered under nationalized health insurance schemes. Most travelers to the United States are innocently unaware of how expensive medical care and treatment can be in the U.S. Not to mention, that medical care in the U.S. is usually provided through HMO’s or managed care facilities, which may not recognize a "foreign insurance company” or government sponsored health plan.