Petersen International Underwriters

For

• Foreign Nationals Visiting the USA
• Foreign Nationals Working in the USA
• Foreign Nationals in their Home Country Working for a USA Company
• USA Citizens Returning to the USA

Uses:

• Tourism
• Immigration
• Religious Pursuits
• VISA Requirements
• Occupation Outsourcing
• Foreign Exchange Students
• Relatives Visiting From Abroad

Description of Available Benefits

Description of Policy Benefits

The insurance being described is a temporary major medical insurance plan. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within a specified geographical area will be reimbursed to you. Benefits may be assignable directly to the providers once a claim has been validated.

Eligible Expenses

• Hospital Expenses: All medically necessary expenses while hospitalized.
• Physician Services: All medically necessary expenses for treatment.
• Skilled Nursing Facilities: All medically necessary expenses if confinement begins following a medically necessary hospital confinement of 3 days or longer.
• Home Health Care: All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
• Medical Evacuation: All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide the appropriate care up to $100,000.
• Repatriation of Remains: In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000.
• $25,000 Accidental Death: $50,000 if accidental death occurs while riding as a passenger of a common carrier.
• Ambulance Services Expenses: To and from a hospital within 100 miles in the same geographic area.
• Prescription Drugs: Outpatient prescription medications covered up to a maximum of $500.
• Emergency Return Home: If, after you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
• Trip Cancellation Benefit: If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip
• Prescription Drugs: Outpatient prescription medications covered up to a maximum of $500.
• Emergency Return Home: If, after you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
• Trip Cancellation Benefit:If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to fire, wind, flood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid Insurances.
• Lost Luggage: In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages.
• Common Accident Provision: In the event that you and any additional insured family members suffer injuries from the same accident, only one deductible shall be applied.

Optional Coverages

• Cardiac and Cancer Benefit Increase

If you elect this option Underwriters will remove the $25,000 limitation on cardiac and cancer related conditions and Underwriters will consider them to be the same as any other expense. This option is available only to individuals under the age of 60 and it does not waive the pre-existing condition exclusion.

• Sports or Activity Coverage

If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.

• War & Terrorism Coverage

If you elect this option Underwriters will reimburse You for Eligible Expenses which are incurred as a result of Injuries or Illnesses sustained due to war/terrorism or act of war/terrorism. Injuries or Illnesses due to war/terrorism or act of war/terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s) are not covered with this optional benefit.

Why Do I Need The International Major Medical Plan?

Health care costs are different in the United States than other countries around the world. The United States health care system is principally funded through private insurance. Access to socialized health care is typically restricted to United States Veterans, Medicare recipients and legal residents using Medicaid. Reciprocity between some countries which both have socialized health care does not occur in the United States.

Examples of Coverage

• A Foreign National visiting the USA.
• A USA Citizen who is temporarily unable to purchase domestic coverage due to residence restrictions.
• A Foreign National working for a USA company in their home country or outside their home country.

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The USAway International Major Medical Plan

For

• People Traveling or Temporarily Residing Outside of The United States

Uses:

• Tourism
• Vaccation
• Religious Pursuits
• VISA Requirements
• Business Assignments
• Students Studying Abroad

Description of Available Benefits

Description of Policy Benefits

Optional Coverages

The insurance being described is a temporary major medical insurance plan. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within a specified geographical area will be reimbursed to you. Benefits may be assignable directly to the providers once a claim has been reviewed and completed.

Eligible Expenses

If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.

• Hospital Expenses

All medically necessary expenses while hospitalized.

• Physician Services:

All medically necessary expenses for treatment.

• Skilled Nursing Facilities

All medically necessary expenses if confinement begins following a medically necessary hospital confinement of 3 days or longer.

• Home Health Care:

All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.

• Ambulance Services Expenses:

To and from a hospital within 100 miles in the same geographic area.

• Medical Evacuation:

All medically necessary expenses while hospitalized.

• Hospital Expenses

All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide the appropriate care up to $100,000.

• Repatriation of Remains:

In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000.

• Prescription Drugs:

Outpatient prescription medications covered up to a maximum of $500.

• Emergency Return Home:

If, after you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.

• $25,000 Accidental Death:

$50,000 if accidental death occurs while riding as a passenger of a common carrier.

• Follow Me Home:

Provides benefits for any injury or illness which occurs while in the USA. Benefits are limited to 5 days for every month of time outside the USA.

• Common Accident Provision:

In the event that you and any additional insured family members suffer injuries from the same accident, only one deductible shall be applied.

• Lost Luggage:

In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages.

• Trip Cancellation Benefit:

If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to fire, wind, flood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid Insurances.

Optional Coverages

War & Terrorism Coverage

If you elect this option Underwriters will reimburse You for Eligible Expenses which are incurred as a result of Injuries or Illnesses sustained due to war/terrorism or act of war/terrorism. Injuries or Illnesses due to war/terrorism or act of war/terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s) are not covered with this optional benefit.

Sports or Activity Coverage

If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. Benefits up to a maximum of $250,000 or the maximum benefit as stated in the schedule, whichever is lesser.

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High Limit Accident Insurance

Uses

• War Zone Coverage
• Travel Protection
• Estate Planning
• Buy-Sell Agreements
• Personal Coverage

Coverage Types

• Accidental Death
• Sudden Cardiac Arrest
• Accidental Death & Dismemberment

High Limit Accident Insurance

• Worldwide Coverage
• Benefit Amounts up to $50,000,000+
• War Zone Coverage - Including Acts of War & Terrorism
  Anywhere in the World

Coverage Options

Coverage Types

• 24 Hour Coverage - includes any accidental bodily injury, including air travel and common carrier coverage.
• Common Carrier - includes any form of conveyance that is certified as a common carrier of passengers, including Air Travel.
• Air Travel Only - includes traveling as a passenger on a Certified Passenger Aircraft provided by a commercial airline on a regularly scheduled or non-scheduled, special or chartered flight and operated by a properly certified pilot. Military Air Transport Service is covered.

Optional Coverage

• War or Acts of War and Terrorism

Benefits Coverage

• Accidental Death - pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident.
• Accidental Death and Dismemberment - includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half the Principal Sum amount will be paid in the event of the loss of sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak.
• Accidental Death and Dismemberment and Sudden Cardiac Arrest - This coverage pays the full benefit if an insured person dies within 72 hours of a sudden cardiac arrest.

Period of Coverage

• One Day to One Year

Benefit Schedule

Accidental Death - 100% of the Sum Insured
Accidental Dismemberment

• Loss or loss of use of two limbs - 100% of Sum Insured
• Loss of sight of both eyes - 100% of Sum Insured
• Loss or loss of use of one limb - 50% of Sum Insured
• Loss of hearing of both ears - 50% of Sum Insured
• Loss of Speech - 50% of Sum Insured
  

Sudden Cardiac Arrest - 100% of Sum Insured

Special Features

• Benefits are payable in addition to any other plan.
• Benefits are payable for loss caused by exposure to the weather or in a conveyance that results in disappearance or sinking and the body is not found within 365 days of the accident. Benefits will be paid on the basis of presumption of death.
• Benefits may be taken in a single lump sum or in equal annual installments.
• Covers accidental bodily injury sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident.
• War or acts of war and/or terrorism may be covered under this plan by applying for such and paying the additional premium.

Plan Highlights

Uses of Coverage

• War Zone coverage - Most life insurance companies will not cover individuals that travel to War Zones or who have recently traveled to War Zone, with the High Limit Accident policy we have no problem providing coverage to them in these high risk areas.
• Contractors in War Zones who need to provide coverage to their employees.
• Security Guards in War Zones who need personal coverage.
• Hazardous occupations such as Logging, Roughneck, Fisherman, Pilots and many more.
• Key Person coverage.
• High Limits - $50,000,000 or more.
• Personal or Business Travel - Domestic or International.
• Estate Planning Purposes.

How To Apply

Contact your insurance professional to determine how to apply for coverage. Most cases will be instantly approved without underwriting. For cases that do need to be reviewed by underwriters please allow 24 business hours for underwriting approval.

Exclusions

No benefits will be paid due to Injury or death caused by, contributed to by or related to the following and/or their treatments and/or complications thereof (unless deleted by endorsement):

• Sickness
• Suicide or intentional self-inflicted Injury or poisoning
• War, declared or undeclared (Unless Additional Coverage is Purchased)
• Act of Terrorism (Unless Additional Coverage is Purchased)
• While committing or attempting to commit a crime
• Taking of illegal or non-prescribed drugs, or addiction or misuse of prescription drugs
• Alcohol abuse or addiction, or being under the influence of alcohol, as defi ned by the vehicle code of the state or province in which the Accident has occurred
• Mental or Nervous Disorders
• Pre-Existing Conditions
• Any symptoms of Subjective Pain unless supported by objective medical findings
• Pregnancy and pregnancy-related conditions including but not limited to fertility, pre-natal care, childbirth, miscarriage, abortion or postpartum conditions
• Nuclear, biological or chemical exposure

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