Diplomat International - optional war risk

This plan is designed for U.S. Citizens traveling outside the United States or Non-U.S. Citizens traveling outside their home country, with no travel to the United States.

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Diplomat International Travel Medical Insurance

  • Up To $1 Million Medical Coverage
  • Lost Baggage
  • Medical Evacuation
  • Emergency Dental
  • Up To $1 Million AD&D
  • Trip Interruption
  • Emergency ReunionR
  • Repatriation of Remains


Optional Riders

1) War Risk Coverage
In consideration of the payment of premium calculated in the manner stated in the policy to which the rider is attached, it is hereby agreed that for additional premium the policy is amended as follows: Any Exclusion under this Plan for "declared or undeclared war or any act thereof” is waived for an Insured Person’s loss caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act of declared or undeclared war, subject to the following restriction: The waiver only applies with respect to accidents that occur within the geographic limits or territorial waters of, or airspace above the geographic limits or territorial waters of a Designated War Risk Territory (as defined herein). War Risk Coverage in a high risk country (listed below) requires payment of an additional premium and advance notice of travel. Termination Date- War Risk Coverage ends on the earliest of: (1) the date the Policy terminates; (2) the date specified in the Company’s written notice to the Policyholder or Participating Organization of the Company’s intent to terminate War Risk Coverage (or 10 days after the date the written notice is received by the Policyholder or Participating Organization, if later).Termination of War Risk Coverage will not affect a claim for a covered loss that occurred while War Risk Coverage was in effect.

Area 1 War Risk Coverage (covers Areas 1, 2, and 3) 
Afghanistan, Algeria, Cameroon, Iran, Iraq, Israel, Libya, Nigeria, North Korea, Pakistan, Palestinian Territories, Russian Federation (North Caucasus Region Of Russia), Saudi Arabia, Somalia, Syria, Ukraine and Yemen

Area 2 War Risk Coverage (covers Areas 2 and 3)
Armenia, Azerbaijan, Bahrain, Bangladesh, Bolivia, Burma, Burundi, Central African Republic, Chad, Colombia, Congo (Democratic Republic), East Timor, Egypt, Eritrea, Haiti, India - Jammu, India - Kashmir, India - Mumbai, Indonesia, Ivory Coast, Kenya, Kyrgyzstan, Lebanon, Liberia, Mali, Mauritania, Mexico, Nepal, Niger, Oman, Papua New Guinea, Philippines, Qatar, Sierra Leone, South Sudan, Sri Lanka, Sudan, Uzbekistan, Venezuela and Zimbabwe

Area 3 War Risk Coverage (covers Areas 3 countries only) All Other destinations, not previously listed as under Area 1 or Area 2.


2) Additional AD&D
  – Purchase up to $1,000,000 of 24 hour AD&D coverage. Benefits and exclusions are same base plan.


3) Enhanced Political and Natural Disaster Evacuation
The Enhanced Political and Natural Disaster Evacuation Benefit Rider increases the Political and Natural Disaster Evacuation maximum benefit from $50,000 to $100,000. All policy provisions that apply to the Political and Natural Disaster Benefit also apply to the Enhancement.

4) Home Country Coverage/Follow Me Home   –  Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof - example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country. Follow Me Home Coverage: This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country (Does not apply for Emergency Evacuation or Repatriation).

5 Athletic Sports & Hazardous Activity Coverage   –  The Athletic Sports & Hazardous Activity Rider provides coverage if Your Injury or Illness results from the below enumerated Athletic Sports & Hazardous activities. The insured can purchase coverage, with the payment of additional premium, from specific bundled options of Athletic Sports & Hazardous Activities


Eligibility
This plan is designed for U.S. Citizens traveling outside the United States or Non-U.S. Citizens traveling outside their home country, with no travel to the United States.
 





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