Welcome! At Sunburst Worldwide Insurance Services, we are dedicated to providing you a trusted source for international travel, medical, life, and accident insurance with global emergency evacuation assistance 24/7/365 and war and terrorism related coverage for U.S. citizens traveling abroad, new immigrants, international employees, and non-US citizens worldwide. We are committed to providing quality global insurance protection and superior worldwide travel assistance to international travelers in over 100 countries. You can purchase high quality insurance coverage with ease and confidence from Sunburst Worldwide Insurance Services. We are knowledgeable about international insurance and responsive to your needs. You can easily get instant quotes and apply online for these global coverage from our secure system on our website. You also can find current and reliable International Travel News Briefs on our website. Wherever you are in the world, our worldwide assistance is by your side 24 hours a day, 7 days a week.
 

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The Meaning of Insurance Terms

  What is Major Medical Insurance?
Health insurance designed to pay a large proportion of the covered expenses of a catastrophic illness or injury.

What is Deductible? 
Deductible  represents the amount of eligible medical expenses that must be paid by the insured before the insurance company begins to reimburse for covered expenses (medical expenses, etc.). As an example, if you purchase a program with a $250 deductible and incur $500 of expenses, the insurance company will begin to reimburse for expenses after you have paid the initial $250 of medical bills.
There are essentially two different kinds of deductibles, per-cause and per-policy period. A per cause deductible means that the insured must pay a new deductible for each separate incident (example: pay the deductible once for a car accident and then a second time for an appendix attack). A per-policy period deductible means that the insured must pay the deductible only once during the policy period (see policy period later).

What is Coinsurance? 
Coinsurance is the percentage amount you must pay along with the insurance company after you have paid the deductible. Typically, coinsurance is limited to a certain dollar figure and there is a maximum you will pay out of your pocket. Example: for programs with 80/20% coinsurance for the first $5,000, you will have to pay 20% of eligible expenses for the first $5,000 of expenses you incur after the deductible.
For example: You have purchased a program with a $250 deductible, 80/20 coinsurance for $5,000 and have an accident in which $10,000 of medical expenses are incurred. You will be responsible for the first $250 of medical expenses plus 20% of the next $5,000 in expenses (in this case $1000) for a total of $1,250 of medical expenses.  
The insurance company will be responsible for $8,750.

What is a Policy Period?
   Essentially, a policy period represents the amount of time you have purchased insurance.  In international insurance, policy periods can be as short as 15 days and as long as 12 months.  For example, if you complete an application and pay for 4 months of insurance, the policy period for that program will be 4 months. If it turns out that you require more than 4 months of insurance, you would have to complete another application and thus, a new policy period would begin. 
Important Note: Some Companies offer renewable international medical programs in which you can renew coverage under certain conditions. With this option, you can turn that 4 month policy period into an 8 month policy period. Be sure to look for this option if it is important to you.  Rarely do policy periods extend beyond 12 months at a time.

What are Pre-existing conditions?
Each international medical program treats pre-existing conditions differently with one aspect in common: they are almost always a part of any program.
Generally, pre-existing conditions are defined as medical conditions, medication, consultation, or treatment which existed or which were performed prior to the effective date of coverage (please read the actual exclusion in each program).
The reason why pre-existing conditions are excluded is for convenience. Often, international programs are written for only a few months, so there isn't enough time to underwrite each applicant. Therefore, the coverage must exclude pre-existing conditions or otherwise medical coverage wouldn't be available. Please note that there are certain international medical programs in which coverage for pre-existing conditions is possible. These plans are called worldwide medical programs and they are typically written only on an annual basis and are intended to cover the insured for years instead of only a few months. In addition, these plans provide coverage in the insured's home country.

What is PRE-CERTIFICATION?
Pre-certification (notification of illness or accident) simply means calling the Plan Administrator or insurance company prior to treatment.

What is UCR ?
Usual, Customary, and reasonable charges, UCR, represent the amounts payable to health care services referring, respectively, to the physician's normal charge for a specific procedures, the amount charged for the same procedure by physicians with similar training in the same geographical area, and the amount considered reasonable if the physician's usual charge does not exceed the customary charge.

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  If you have any questions, please contact our friendly specialists.
info@worldwidemedicalplans.com
877-211-3654 or 559-294-0316

List of International Insurance Plans | Request Custom Quotes | Online Instant Quotes | Companies We Keep | About Us | Contact Us | Site Map | Home Page | Privacy Pledge | What's New?
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