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Azimuth Risk Solutions sm , LLC
5218 S East St, Suite E-1, Indianapolis, IN 46227 USA

service@azimuthrisk.com

P: 888-201-8850 or 317-644-6291
F: 888-201-8851 or 317-423-9620
 
 
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The Beacon Series Travel Medical Plan Schedule of Benefits (Mouse over benefits for a description)
Medical Coverage
Maximum Limits:   $60,000; $110,000; $550,000; $1,100,000 or $2,000,000 ($50,000 Maximum Limit ages 70-79; $12,000 Maximum Limit ages 80+).
Deductibles:  $0; $100; $250; $500; $1,000; $2,500 per Coverage Period.
Coinsurance (Subject to the Deductible): The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for Eligible Expenses incurred outside the US & Canada.
Hospital Services Outpatient Services
Pre-Certification Penalty: 50% Prescription Drugs: Usual, Reasonable, and Customary charges.
Hospital Indemnity: $150 per night; Inpatient Hospitalization (Outside the US and Canada ONLY). Physician Visit: Usual, Reasonable and Customary charges.
Hospital Room and Board: Average Semi-private room rate, including nursing services. Physical Therapy $60 Maximum Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period.
Emergency Room Illness: Usual, Reasonable, and Customary charges (subject to additional $250 Deductible if not admitted overnight).

Emergency Room Accident: Usual, Reasonable, and Customary charges.
Other Benefits
All Other Eligible Medical Expenses: Usual, Reasonable, and Customary charges. Sudden On-set of Pre-existing Condition: $15,000 Maximum Limit for Eligible Medical Expenses including Emergency Medical Evacuation. Local Ambulance: Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization. Durable Medical Equipment: Usual, Reasonable, and Customary charges.
Dental (Injury as result of Accident) Only available for Policies purchased for 90 days or more: $250 Maximum Limit per Coverage Period. Dental (Acute onset of pain) Only available for Policies purchased for 90 days or more: $100 Maximum Limit per Coverage Period. Lost Checked Luggage: $250 per Coverage Period (not subject to Deductible or Coinsurance).As defined in the Policy. Optional Sports Rider: $10,000 Maximum Limit per Coverage Period.
Emergency Medical Evacuation: Maximum Limit; except when provided under the Sudden onset of Pre-existing Conditions.. Emergency Reunion: $50,000 Maximum Limit. Trip Delay / Missed Connection: $100 Maximum Limit per day (Maximum 2 days), after a 12 hour delay period. As defined in the Policy. Personal / Third Party Liability: $500 Maximum Limit. As defined in the Policy.
Return of Mortal Remains: $50,000 Maximum Limit Return of Minor Children: $5,000 Maximum Limit$5,000 Maximum Limit. Quick Trip Home Country Coverage: 14 days cumulative Home Country Coverage (as defined in Policy). Subject to 90 days minimum purchase. Home Country Coverage (End of Trip): Free 15 days with 180 days purchase, or free 30 days with 364 days purchase.
Common Carrier Accidental Death and Dismemberment: Up to $50,000 Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member age 18 and older or Up to $30,000 Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member under age 18. $250,000 Maximum Benefit any one family Political Evacuation: $10,000 Maximum Limit (not subject to Deductible or Coinsurance). As defined in the Policy. Terrorism: $50,000 Maximum LimitMedical Expenses ONLY.
Accidental Death and Dismemberment (AD&D) Participating Members age 18 and older: Up to $30,000 Maximum Limit (not subject to the Deductible or Coinsurance) Death of Insured Person= $30,000; Death of Spouse= $20,000; Death of Child(ren)= $6,000 Loss of 2 or more Limbs or both eyes= $30,000 Loss of 1 Limb or eye= $15,000 Age 70-74 benefits are reduced by 50% Age 75+ benefits are reduced by an additional 50% $250,000 Maximum Benefit any one family Accidental Death and Dismemberment (AD&D) Participating Members under the age 18: Up to $6,000 Maximum Limit (not subject to the Deductible or Coinsurance) Death of Insured Person= $6,000 Loss of 2 or more Limbs or both eyes= $6,000 Loss of 1 Limb or eye= $3,000 $250,000 Maximum Benefit any one family
*  Maximum Limit for those age 70-79 is $50,000
** Maximum Limit for those age 80+ is $12,000


This is a consolidated and summary description of benefits and limits. A full version of the Evidence of Insurance or Master Policy with a complete list of benefits, conditions, limitations and exclusions is available upon request.
  
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This is the total amount of eligible charges the insurance you purchase will pay.
This is the amount that the insured member will have to pay for eligible expenses before the insurance begins to pay.
Clients insured on the Beacon Series are responsible for 20% of the first $5000 of eligible expenses incurred within the US and Canada. The insured client’s selected Deductible amount must be satisfied first. Because Azimuth waives these charges when the insured member’s eligible charges are incurred within our Participating Provider Organization, it is important to know that staying within the PPO Network can save the insured member as much as $1000. A searchable listing of participating health care providers and facilities in this network can be found by visiting www.MultiPlan.com . Eligible expenses incurred outside of the US and Canada are covered to the plan limits indicated after the selected Deductible has been fulfilled.
In order to receive complete benefits, hospital admissions, trip delays, repatriation of mortal remains, emergency medical evacuations, any eligible inpatient or outpatient procedure as indicated in the Evidence of Insurance, must be precertified by contacting Azimuth Risk Solutions, LLC through the contact information indicated on the member???s identification card prior to receiving service. In the case of emergency hospital admission, scheduled surgeries, or diagnostic procedures Azimuth must be contacted within the first 48 hours of admission or as soon as possible. Precertification is not a guarantee of coverage. Political Evacuations must be pre-certified within 5 days of State Department Travel Warning issuance.
Azimuth knows that a hospital stay involves additional unexpected expenses, whether for parking, a book to read or even if the hospital food just isn???t appealing, the hospital indemnity benefit provides $150 per day for covered hospital stays which is not subject to the deductible or coinsurance.
This is the cost of the hospital room and food service.
Emergency Room Illness ??? Charges for the Emergency Room (ER) of a hospital are subject to an additional $250 deductible if the insured is not admitted for an overnight stay for a covered illness. Seeking a an outpatient clinic (Urgent Care, Med Chek, etc.) for Illness treatment is a great alternative to the ER.
Charges for the Emergency Room for covered Injuries are not subject to the additional deductible.
Physical Therapy which is prescribed by a Physician and performed by a professional physical therapist, and necessarily incurred to continue recovery from a covered Injury or covered Illness.
Charges for a medical doctor???s office visit for treatment of a covered Injury or Illness.
A medication, approved by the US Food and Drug Administration, prescribed by a licensed medical professional for the treatment of a covered Injury or Illness .
Expenses for eligible conditions, including prescription drugs, not otherwise excluded.
If a US Department of State Travel Warning is issued on or after your Effective Date during your Coverage Period, contact Azimuth within 5 days of the issuance for assistance in travel to an alternate location. All coverage for this benefit must be approved and coordinated by Azimuth to be eligible for coverage.
Coverage for eligible damages for which the insured is liable for outside his/her home country and outside the United States.
If you have an adventurous side to your recreational activities, be sure to purchase the Sports Rider which covers activities like hang gliding, bungee jumping and jet skiing. Please know that only sports and activities which are for recreation and not for wage or profit.
For Acts of Terrorism, where the Injury or Illness does not result from the use of any biological, chemical, Radioactive or nuclear agent, material, device or weapon; and The Member has no direct or indirect involvement in the Act of Terrorism; and The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months immediately prior to the Member's date of arrival; and The Member has not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.
For policies purchased more than ninety (90) days, Emergency Dental Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident that is covered under this insurance is $250 Maximum Limit per Coverage Period.
Luggage that has been checked with a regularly scheduled airline carrier or cruise line, is lost for 10 days or more and for which a claim has been submitted and paid is offered this benefit to cover clothing and hygiene items not to exceed more than $100 per item
If a insured member under the Beacon Series is expected to be hospitalized for more than 36 hours due to a covered injury or illness and traveling with a child or children under the age of 18 and that child or children were left unattended as a result of the hospitalization, the Beacon Series will cover the cost of economy transportation for the child or children to return home.
Azimuth will pay the Principal Sum of $30,000 for the Participating Member or the Participating Member???s spouse, or $6,000 for Dependent Child(ren). Azimuth will pay a reduced benefit of 50% to any Participating Member age 70-74 ($15,000); and for ages 75 and older a further reduction of 50% ($7,500).
The accident giving rise to the Accidental Death must occur while the Participating Member is a fare paying passenger on a regularly scheduled trip on board a commercial airline or cruise line. The Maximum Benefit for any one Family is $250,000.
The Coverage Period for the Emergency Reunion shall not exceed fifteen (15) days, including travel days; and the Emergency Reunion must be due to an Emergency Medical Evacuation covered under the Terms of this insurance; and the Participating Member must be so seriously ill that the attending Physician deems it necessary and recommends the presence of a Relative or friend to either the location where the Participating Member is being evacuated from or the destination of the evacuation, whichever is considered by the attending Physician and the Scheme Administrator to be the more reasonable; and all Emergency Reunion travel, transportation and accommodation arrangements and benefits must be coordinated and approved in advance by the Scheme Administrator in order to be eligible for coverage under this insurance.
In the event of the death of the insured as a result of an Illness or Injury covered under this insurance while the Participating Member is outside of his/her Home Country, the Azimuth will reimburse the estate of the Participating Member up to $50,000 for the return of the Participating Member's Mortal Remains to his/her Home Country (but not including any costs of burial); provided, however, that the Azimuth coordinates and approves all costs related to the return of the insured member???s Mortal Remains in advance as a condition to this benefit.
The Beacon Series is designed as a single trip coverage, however, should a client purchase at least 90 days of coverage, the plan provides up to 14 days home country coverage for a quick trip home. The benefit must be used during the purchase period and is not available for home country coverage at the end of your trip.
For purchased coverage periods of 180 days or more, the Beacon Series provides 15 days free home country coverage at end of trip, for 364 days or longer purchased coverage periods, the Beacon Series provides 30 days free end of trip home country coverage.
for those clients whose initial purchase of coverage is 90 days or more, the Beacon Series will pay up to $100 for dental services. Subject to the Deductible and Coinsurance.
An unexpected outbreak or recurrence of a Pre-existing Condition, which occurs unexpectedly and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Condition must not be under treatment, including prescription drugs or therapy.
If a insured member under the Beacon Series is expected to be hospitalized for more than 36 hours due to a covered injury or illness and traveling with a child or children under the age of 18 and that child or children were left unattended as a result of the hospitalization, the Beacon Series will cover the cost of economy transportation for the child or children to return home.
The Beacon Series provides coverage for Additional Transportation Cost to join the Covered Trip or return home, including up to $100 per day for Maximum of 48 hours or two (2) days for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; and/or unused non-refundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be twelve (12) hours or more and certified due to the following reasons:
  • Delay of Common Carrier (which is certified by the Common Carrier);
  • A traffic accident while en-route to the point of departure (substantiated by a police report);
  • Organized Labor Strike, or you or Your Traveling Companion being hijacked or quarantined;
  • Stolen passports, travel documents and (substantiated by a police report).
Ambulance used for transport to the local medical facility.
The Beacon Series provides coverage for Additional Transportation Cost to join the Covered Trip or return home, including up to $100 per day for Maximum of 48 hours or two (2) days for reasonable accommodations and meals, if Your delay requires an unplanned overnight stay; and/or unused non-refundable portion of the prepaid expenses as long as the expenses are supported by proof of purchase and are not reimbursable by any other source. Delay must be twelve (12) hours or more and certified due to the following reasons:
  • Delay of Common Carrier (which is certified by the Common Carrier);
  • A traffic accident while en-route to the point of departure (substantiated by a police report);
  • Organized Labor Strike, or you or Your Traveling Companion being hijacked or quarantined;
  • Stolen passports, travel documents and (substantiated by a police report).
In the event that suitable treatment is not available locally and failure to act would result in an insured member???s loss of life, with precertification the Beacon Series provides up to the selected Maximum Limit, subject to the other Terms of this insurance, including the Conditions and Restrictions set forth below, the Scheme Administrator will reimburse the Participating Member for the following expenses incurred by the Participating Member arising out of or in connection with an Emergency Medical Evacuation occurring while the Evidence of Insurance is in effect:
  • Emergency air transportation to a suitable airport nearest to the Hospital where the Participating Member will receive Treatment; and
  • Emergency ground transportation necessarily preceding Emergency air transportation and from the destination airport to the Hospital where the Participating Member will receive Treatment.
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This is a standard basic hospital bed and/or standard basic wheelchair.

 

 


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