The Select Plan offers a more comprehensive international health insurance package than the Care Plan. While it also includes full emergency room, surgery and outpatient medication benefits and multiple deductible options, the Select Plan also includes an increase in lifetime maximum benefits, along with full hospitalization and intensive care coverage.
Plan highlights*
- $3,000,000 in lifetime maximum
- Worldwide coverage (U.S. optional)
- 3 Deductible options
- Hospitalization (private room)
- Intensive Care Unit
- $1,000,000 Lifetime Transplant benefit
- Outpatient Medication
- Optional Maternity benefits
- Wellness benefits
- Acupuncture and Aromatherapy
- Emergency Medical Evacuation
Download SELECT Summary of Benefits including the US
Download SELECT Summary of Benefits excluding the US
Benefits |
Select Option |
| Coverage Area | Two Options: Worldwide Coverage or Worldwide Excluding the US |
| Lifetime Maximum Benefits | $3,000,000 |
| Deductible | $1,000, $2,500 or $5,000 |
| Family Deductible | 2 times the individual Deductible |
| Coinsurance (Applied only when in the US) | 20% up to $500 per year |
| Inpatient Benefits | |
| Hospitalization | 100% Private Room |
| Intensive Care Unit (ICU) | 100% |
| Surgery | 100% |
| Transplant | $1,000,000 Lifetime |
| Outpatient Benefits | |
| Doctor Visits | 100% |
| Outpatient Surgery | 100% |
| Outpatient Medication (RX) | 100% |
| Complementary Medicine | Acupuncture, Aroma, Herbal, Magnetic, Massage and Vitamin Therapy (please refer to the policy terms and conditions for specific benefits). |
| Laboratory Tests | 100% |
| X-Rays, MRI and CT scans | 100% |
| Emergency Room | 100% |
| Local Ambulance | 100% |
| Mental and Nervous | $10,000 per period of coverage, up to $50,000 lifetime |
| Radiation Treatment | 100% |
| Home Nursing | 100% |
| Hospice Care | 100% |
| Prosthetic Devices | 100% |
| Physical Therapy | $50 per Visit |
| Wellness (available after 12 months of continuous coverage) | |
| Child Wellness | $200 per period of coverage, not subject to deductible or coinsurance |
| Adult Wellness | $250 per period of coverage, not subject to deductible or coinsurance |
| Dental and Vision Benefits | |
| Emergency Dental due to Accident | 100% |
| Emergency Dental due to Sudden Unexpected Pain | $100 per period of coverage |
| Maternity Benefits | |
| Benefit Available after 12 months of coverage | $5,000 normal delivery, $7,500 C-section, $50,000 Lifetime Maximum (if optional maternity rider is purchased) |
| Pre-Existing Conditions | |
| Coverage Available after 24 months of coverage | $5,000 per period of coverage$50,000 Lifetime Maximum |
| Additional Benefits | |
| Emergency Medical Evacuation | 100% |
| Return of Mortal Remains | $25,000 |
