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Allnation Insurance Company
Terms & Conditions


Allnation Classic Gold

After you pay the deductible, Allnation Classic pays 80% of the next US$ 5,000 of covered allowable charges. Then covered services are paid at 100% of allowable charges.

Classic Gold Highlights
  • Maternity Benefits for Physician/Hospital Care
  • Air Ambulance Benefit - 24 Hour Assistance Services
  • No Day Limits on Hospital Stays
  • US$ 5 Million Lifetime Individual Benefit Maximum
  • PPO Hospital Network in US
  • Congenital Conditions of Covered Newborns
  • Automatic Newborn Enrollment Within 30 Days of Birth 

Hospital Benefits

Inpatient Hospital Benefits

  • Room and Board (Private Room in US PPO Network)
  • Intensive Care Unit
  • Diagnostics
  • Prescription Drugs
  • Chemotherapy & Radiation
  • Doctor & Surgery Services
  • Human Organ Transplants including Pancreas and Bone Marrow for Approved Diagnosis   
    (US$ 250,000 Lifetime Maximum)
  • Blood Transfusions
  • Physical and Occupational Therapy
  • Video Laryngoscopy Procedure

Outpatient Hospital Benefits

  • Ambulatory Surgery
  • Doctor Services
  • Emergency Benefits
  • Chemotherapy & Radiation
  • Prescription Drugs
  • Diagnostics
  • Physical and Occupational Therapy
  • Video Laryngoscopy Procedure

Wellness Benefits

  • Well Child Checkup and Immunizations
  • Routine Adult Physical Exams
  • Mammograms
  • PAP Test
  • GYN Exams
  • PSA Screening Test
  • Routine Vision Exams
Non-Hospital Benefits
  • Doctor's Office/Home Visits
  • Specialists Office Visits
  • Office Surgery
  • Physical Therapy
  • Occupational Therapy
  • Video Laryngoscopy Procedure
  • Psychiatric Office Visits
  • Prescription Drugs
  • Diagnostics
A Broad Range of Deductibles

Allnation Classic Gold offers $500, $1,000, $2,000, $4,000, $10,000 and $25,000 deductibles, so you can choose the right deductible for you and your family.


Easy Claims Filing

Filing claims is easy.  You will receive your claim instructions and claim forms along with your identification card.  All claims are paid in US dollars according to the current Contract Benefits.


Who is Eligible

You are eligible if you are under 65 years of age and live outside of the United States and its territories.  There are no restrictions on nationalities, occupations, hobbies or sporting activities.  Dependents who turn 19 can have continuous coverage on their own policy without new medical underwriting. Continuity of coverage is available to applicants with proof of continuous coverage from equivalent insurance policy from another international health insurance carrier.


Exclusions

The following is a partial list of excluded services.  See the Contract for a more complete list.

  • Undisclosed Pre-existing conditions
  • Drug/Alcohol treatment
  • Dental care
  • Cosmetic services
  • Experimental treatment
  • Pregnancy during the first 12 months of coverage
  • AIDS, HIV, ARC (AIDS related complex)
  • Fertility/Infertility treatment
How to apply

Complete the application form and return it to us with your premium payment.  We accept US currency drawn on a US bank or credit cards approved by Allnation.


Download the PDF version

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