THE INSURANCE PROVIDES SERVICES FOR PEOPLE TRAVELLING OUTSIDE THEIR COUNTRY FOR MEDICAL TREATMENTS
Additional Medical / Surgical Costs as a result of a Complication
Additional Expenses for Travel, Meals & Accommodations as a result of a Complication
Travel Companion Coordination – Additional Expenses Travel, Meals and Accommodations
Emergency Medical Coverage for an accident or illness related to travel
Accidental Death or Dismemberment
Emergency Transportation / Medical Repatriation
24 Hour – Emergency Medical Assistance Service
Travel Cancellation in Exceptional Circumstances
The Insurance
The insurance was designed for the international health tourism industry.
It offers great value for those travelling abroad for medical treatment at affordable prices.
There is not a single travel insurance policy marketed in Israel and worldwide that covers (excludes) a person traveling abroad for medical treatments.
For the first time ever, there is an insurance policy that actually covers those travelling for medical treatments.
The policy covers medical complications that may be caused by medical treatments, but not covering pre-exiting condition the insured had at the last 3 years prior to the travel.
This website does not belong to the insurance company or the trust, and its entire purpose is to assist customers seeking to purchase this insurance by way of translation and accessibility. The site was established at the insurance company’s request, in Hebrew, to assist Israeli customers in buying the insurance, and the site only refers customers to the insurance company's website for the actual purchase.
Insurance Structure
The insurance is written by Opportuna Insurance PCC Ltd on behalf of Frank Risk Cell.
Insurance is Builth to provide services for international health tourists (medical tourism or medical travel) and related international travel. Qualified customers are eligible for the benefits outlined in the insurance plan.
All members are insured through an English Channel Islands insurance company, Opportuna Insurance PCC which in itself is guaranteed with a 100% total reinsurance of the largest British international insurance corporation.
Insurance Coverage
Complication coverage is included for various complications emanating from a covered medical procedure. The duration of the complication coverage is up to 180 days following surgery/treatment
Medical complication insurance coverage, travel expenses for health, and related tourism
Coverage list (per participant)
This agreement provides benefits in accordance with the list set forth below.
This is not a health insurance policy. A claim for medical expenses must be filed and submitted for approval and reimbursement of expenses to the claimant (indemnification). Please read Filing a Claim for more details. The benefits exceed any valid and collectible coverage. The departure and return dates must be within 30 days. Complication and their diagnosis must occur within 180 days from the date of the original approval of the procedure / medical or dental treatment, or as stated in the coverage table, the earliest of the above. Additional medical or surgical treatment for a covered complication must occur within 270 days of the original approval of the procedure / medical or dental treatment.
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List of benefits (for each insured)
Medical Complication and Travel Benefits for
International Medical Tourists/Travellers & Travel Companions (Trust Participant’s specific benefits are indicated on their Participation Confirmation)
This is NOT A MEDICAL POLICY. Eligible claim expenses would be submitted for approval and reimbursement to the claimant. Please refer to the “How to File a Claim” for details. Benefits are excess of any other valid and collectable coverage. Travel departure and return dates must commence and terminate within 60 days. If home country expense coverage is included, the occurrence of and diagnosis of the complication must occur within 180 days from the originally approved date of the medical or dental procedure/treatment or as stated on the trust participant’s schedule of benefits whichever is less.
All amounts indicated are $ US Dollars. Home Country Complication Expense Coverage is included but can be excluded at enrolment. |
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| Maximum Sum Payable for Certain Benefits These benefits indicated are subject to a maximum sum payable per Insured. A single claim may trigger more than one of these benefits however when combined, the benefit payable is the total of the claim or the Maximum Sum Payable, whichever is less. | Option 1 $25,000 | Option 2 $50,000 | Option 3 $75,000 | Option 4 $100,000 |
MEDICAL TOURIST / TRAVELLER – MEDICAL COMPLICATION BENEFITS |
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| Accidental Death or Dismemberment | $10,000 | $20,000 | $37,500 | $50,000 |
| Repatriation of Mortal Remains | $5,000 | $5,000 | $5,000 | $5,000 |
| Additional Medical or Surgical Treatment as a Result of Covered Complication | $7,500 | $15,000 | $22,500 | $30,000 |
| Additional Medical or Surgical Treatment for Unsuccessful or Unfavorable Outcomes from a Covered Complication | $2,500 | $2,500 | $2,500 | $5,000 |
| Additional Medical or Surgical Treatment due to a Thrombosis | $2,500 | $2,500 | $2,500 | $5,000 |
| Additional Expense – Travel, Meals and Accommodations – Meals and Accommodations limited to $250 USD/day and Travel limited to same class of travel initially booked. | $2,500 | $5,000 | $5,000 | $5,000 |
| Travel Companion Coordination – Travel, Meals and Accommodations – Meals and Accommodations limited to $250 USD/day and Travel limited to same class of travel initially booked | $2,500 | $5,000 | $5,000 | $5,000 |
| Emergency Medical Transportation | $50,000 | $50,000 | $50,000 | $50,000 |
| 24 Hour – Emergency Medical Assistance Service | Included | Included | Included | Included |
| Enrollee can elect to exclude home country coverage for a complication from an approved procedure up to 180 days after the date of the approved medical procedure. By removing this coverage for a credit, enrollee will only be covered for a complication whilst outside of their home country. This option is elected at enrollment | ||||
MEDICAL TOURIST / TRAVELLER – TRAVEL BENEFITSThe below benefits are additional benefits for the enrollee but exclude medical complications. |
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| Emergency Medical Coverage (Accident and Illness) | $1,000,000 in excess of $250 | |||
TRAVEL COMPANION – TRAVEL BENEFITS IF ELECTED AT ENROLLMENT |
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| Accidental Death or Dismemberment | $25,000 | $50,000 | $75,000 | $100,000 |
| Repatriation of Mortal Remains | $5,000 | $5,000 | $5,000 | $5,000 |
| Emergency Medical Transportation | $50,000 | $50,000 | $50,000 | $50,000 |
| 24 Hour – Emergency Medical Assistance Service | Included | Included | Included | Included |
| Emergency Medical Coverage (Accident and Illness) | $1,000,000 in excess of $250 | |||
TRIP CANCELLATION, TRAVEL DELAY AND BAGGAGEApplicable to the medical tourist and the travel companion – if travel companion coverage was elected at enrollment |
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| Travel Cancellation under Exceptional Circumstances | $10,000 | |||
| Travel Delay +12 Hours (Outbound Only) – 1000$ | Loss of Baggage (Outbound Only) – $1,000 excess of $250 | |||
ADDITIONAL BENEFITS RELATED TO SARS-CoV-2 (COVID-19) – SEPARATE BENEFIT LIMITS APPLY – NOT SUBJECT TO MAXIMUM SUM LIMIT CHOSENApplicable to the medical tourist and the travel companion if elected at enrollment |
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| Emergency Medical Coverage – Illness related to SARS-CoV-2 (COVID-19) | $25,000 | $50,000 | $75,000 | $100,000 |
| Travel and Accommodations – Expense related to SARS-CoV-2 (COVID-19) | $5,000 (limited to $250 per day) | |||
Please Note: For coverage specifics and details, please refer to Home | Custom Assurance Placements | Columbia, SC | Insurance Broker
