Wanderlust

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Plan Details EI&I IHP
Plan Details
Duration
EI&I
12 months (or less)
IHP
12 months
Plan Details
Geographic
EI&I
Worldwide
IHP
Worldwide
Plan Details
Policy Limit
EI&I
US $500,000
IHP
US $2,000,000
Plan Details
Deductible
EI&I
$250 in the aggregate
IHP
$0
Plan Details
Age Limit
EI&I
59
IHP
69
Plan Details
Co-insurance
EI&I
0% WW, 10% US in Network, 30% US out Network
IHP
0% WW, 10% US in Network, 30% US out Network
Plan Details
Life Interruption
EI&I
Flight home up to $5,000
IHP
Flight home up to $10,000
Plan Details
Family
EI&I
2 children under 10 covered for each 1 policy issued.
IHP
Individual plan required
Plan Details
Hospital
EI&I
Standard Private Room
IHP
Standard Private Room
Plan Details
ICU
EI&I
100% to Policy Limit
IHP
100% to Policy Limit
Plan Details
Surgeon, Assistant Surgeon, Anesthesiologist, Doctors & Nurses, Prescription Medication: inpatient
EI&I
100% to Policy Limit
IHP
100% to Policy Limit
Plan Details
Day Patient / Outpatient Surgery
EI&I
100% to Policy Limit
IHP
100% to Policy Limit
Plan Details
Outpatient Coverage
EI&I
100% to Policy Limit
IHP
100% to Policy Limit
Plan Details
Outpatient Diagnostic Test Services
EI&I
100% to Policy Limit
IHP
100% to Policy Limit
Plan Details
Emergency Ambulance (Ground & Air)
EI&I
100% to Policy Limit
IHP
100% to Policy Limit
Plan Details
Evacuation of Mortal Remains
EI&I
up to $15,000
IHP
up to $100,000
Plan Details
Repatriation Companion (for minors)
EI&I
one companion, economy class return ticket
IHP
one companion, economy class return ticket
Plan Details
Acute Onset Pre- Existing Conditions
EI&I
up to $5,000
IHP
up to $25,000
Plan Details
Pre Existing Conditions
EI&I
No
IHP
No
Plan Details
Hospital Cash Benefits
EI&I
No
IHP
up to $150 per night to a maximum of 30 days
Plan Details
Inpatient Psychiatric
EI&I
No
IHP
up to 30 days to a max limit of $5,000
Plan Details
Outpatient Psychiatric
EI&I
No
IHP
to a maximum of 10 visits
Plan Details
Health Screening, Routine Medical Exam & Vaccination
EI&I
No
IHP
up to a maximum of $500
Plan Details
Durable Medical Equipment
EI&I
up to $500 limit per medical condition within 6 months of an eligible medical condition, inpatient & outpatient
IHP
up to $1,500 limit per medical condition within 6 months of an eligible medical condition, inpatient & outpatient
Plan Details
Cancer / Neoplasm
EI&I
No
IHP
100% to Policy Limit
Plan Details
Recon Nasal / Septum Deformity
EI&I
No
IHP
100% to Policy Limit
Plan Details
Sleep Disorders
EI&I
No
IHP
100% to Policy Limit
Plan Details
HIV
EI&I
No
IHP
100% to Policy Limit
Plan Details
Speech Disorders
EI&I
No
IHP
100% to Policy Limit
Plan Details
Congenital Disorders
EI&I
No
IHP
to a maximum of US $25,000
Plan Details
Organ Transplant
EI&I
No
IHP
100% Policy Limit, max of $50,000 for medical expenses related to live donor
Plan Details
Nurse Care at Home
EI&I
up to 30 days max overall limit of $5,000
IHP
up to 60 days max overall limit of $10,000
Plan Details
Terminal Illness / Palliative care
EI&I
No
IHP
up to 180 Days max limit of $50,000
Plan Details
Adult Companion (for under 18 patient)
EI&I
No
IHP
100% to Policy Limit
Plan Details
Emergency Dental
EI&I
up to $1,000 for a covered accident
IHP
up to $1,000 for a covered accident
Plan Details
Rehab / Specialist Treatment
EI&I
$100 per day up to 30 days
IHP
$500,000 to a max of 30 days
Plan Details
Dental
EI&I
No
IHP
routine covered, complex subject to a 9 month waiting period max $1,000.
Plan Details
Vision
EI&I
No
IHP
eye exams, standard lens enhancement, and contact lenses once every 12 months; eyeglasses once every 24 months to a maximum of $500
Plan Details
Physical Therapy
EI&I
Yes : up to $3,000 to 10 visits within 90 days of a covered event
IHP
Policy Limit to a max of 10 visits within 90 days of a covered event
Plan Details
Complimentary Therapy
EI&I
No
IHP
up to US $60 per visit to a maximum of 10 visits
Questions Answers
Questions
1. ) I’m involved in a start-up online shop, specializing in indigenous craft and clothing. I’m going to travel around Central & South America to immerse myself in different indigenous cultures and to source materials. I might be gone for 6 months, but who knows, I might like it!
Answers
Our EI&I plan is designed for you. You are covered wherever you go and you pay monthly. If you eventually decide to settle long term / indefinitely, you may want to convert to our IHP plan. For the days you travel, you might want to buy a travel pack to cover you for trip delays and loss baggage for example.
Questions
2. ) Me and my friend just finished Uni and are planning on backpacking though Asia for 3 months. My parents want me to have cover if we get ill or injured – and will pay for it.
Answers
Our EI&I provides the medical insurance you need, wherever you go. You can buy the plan and pay for the full duration of your trip so you don’t need to worry about a thing. For the days you travel, you might want to buy a travel pack to cover you for trip delays and loss baggage for example.
Questions
3. ) I work remotely for my US employer. I live in Bermuda under a digital nomad visa. My employer gives me some medical coverages, but I’m terrified that my 12 year old son has an accident and has to go to hospital for treatments, the costs would wipe me out. I’m on a tight budget
Answers
Buy our EI&I plan for your son. Monthly premiums are low and your rate is locked in for 12 months (as long as you buy continuously). If your son has an accident and needs to go to hospital, he’ll be fully covered, and he won’t need to be sent back to the US. Check your own Health coverage, you may want to buy it for yourself too.
Questions
4. ) My spouse / partner has been offered a job in Dubai. The employer is obliged to give provide health insurance, but not for me. I am require however to have health coverage if I want to stay in Dubai.
Answers
To stay in Dubai over 30 days you will need a visa. Wanderlust plans are available and are compliant with the Dubai Health Authority (DHA) and can be purchased through our appointed local insurance partners by clicking this link. Our IHP plan will provide you and your family with the cover you need for every eventuality, including chronic illnesses like cancer, but if you’re on a tight budget, our EI&I plan is also DHA compliant and will provide you the basic coverage you need.
Questions
5. ) I am working in Mexico with my family, we buy private medical insurance as expatriates. I want access to US Healthcare, but my options are limited (many insurers don’t include this). My insurance premiums are very high even though we have no pre-existing conditions.
Answers
Our IPH plan is the best choice for you and your family members. Our pricing is as good as it gets, and you can choose to include access to US healthcare.
Questions
6. ) Like wanderlust, my company is digital. Our online employees and contractors are based in loads of different locations around the world. We were thinking that your EI&IP would be a good option for most of our people rather than buying a traditional health plan, which are far more expensive. I see your competitors don’t offer a plan like EI&I so we really like that part. However, our founders and /or senior stakeholders should have a more traditional plan, like your IHP. I’ve priced each of our people on your website and see it works well and your pricing on an individual basis is the best, but can you offer a group (company) discount?
Answers
The answer is YES. We expect you’d have already priced your “group” plan as individuals on our site. Just send us an e-mail, all you need to do is tell us the home country, age and if you need to access coverage in the US, Hong Kong & Singapore and finally which cover applies to each member of the group – and we’ll come up with group discount. It makes a lot of sense to start new or temporary employees with our EI&I plan, its very affordable and can allow you to offer this benefit as a competitive edge for your business. We do not believe you will find a better value plan than our IHP for your core group.