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Member Services:
Azimuth Risk Solutions Inc.
55 Monument Circle #1128
Indianapolis IN 46204
(888) 201-8850
low cost health insurance

Highlights

coverage starts when leaving the home county
Basic plan provides up to $2 million coverage
Enhanced plan provides up to $5 million coverage
First two children under age 10 are covered at no extra charge
optional dental and term life insurance
24/7 live call center with medical referrals
Emergency medical evacuation

low cost health insuranceAzimuth international travel health insurance logo
International renewable major medical insurance underwritten by Lloyd's London and administered by Azimuth Risk Solutions Inc. offers a strong combination of protection and value. Two options are available: worldwide coverage or worldwide excluding U.S. and Canada. Meridian Basic defines the levels of coverage while Meridian Enhanced provides top-tier international insurance protection. Both allow treatment with any doctor or hospital of your choice.
low cost health insurance
Who is eligible?
Applicants at least 14 days old and under 65 years old may apply for this medically underwritten insurance. Some applicants may not be approved. Underwriting is based on responses to questions on the online or paper application.
low cost health insurance
About the Insurance Company
Beacon Series International Travel Medical Insurance is
underwritten by Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A’ (Excellent) by A.M. Best Company and 'A+' (Strong) by Standard & Poor’s. and serviced by Azimuth Risk Solutions Inc.

Product Review

Azimuth worldwide major medical insurance is insured by Lloyd's London. The firm is led by executives who left their employers to start a firm that offers an even stronger top quality insurance product.

Eligibility: 14 days up to age 65

Benefits: Covers usual, customary and reasonable medical charges up to the policy limit of $2,000,000 or $5,000,000 subject to the other listed conditions and limitations. Coverage is primarily intended for medical expenses outside of the home country except that coverage is also provided for short trips home and for up to 30 days upon return from an extended trip. Lost luggage is covered up to $250 and trip delay or cancellation coverage is $100 per day.

Deductible and Co-insurance : A choice of deductible from $0 to $2500. The choice of deductible most significantly affects the premium price. A 20% co-insurance is applied to the first $5,000 of claims that are incurred within the U.S. using medical providers that are outside of the Preferred Provider network. Otherwise, there is no co-insurance.

Coverage Period: 7 days to 6 months

Coverage Limitations and exclusions: Pre-certification is required for non-emergency procedures. Pre-existing conditions are normally excluded from coverage except that a $20,000 benefit is available for sudden onset of a pre-existing condition. Coverage for acts of terrorism is limited to $50,000. Physical therapy benefits are limited to 15 visits at $50 per visit. 

Explanatory note: In English speaking countries outside the U.S. insurance plans are referred to as insurance schemes. We point this out because the word "scheme" often has a negative connotation in the U.S. especially when applied to a financial operation, i.e. "Ponzi scheme". Use of the term "scheme" as a synonym for "plan" in this insurance policy certificate does not imply any negative connotation.

Pros

Financial backing by Lloyd's London. The claim processing differs from other insurers to be more consumer-friendly. The terrorism coverage provided is excluded by some other medical insurance policies. The administrator accepts collect calls, even from outside the U.S. This could be important in an emergency situation and we are not aware of any other provider that offers this service.

The administrator maintains an excellent report with the Better Business Bureau. Generally, due to the inherent nature of the insurance industry, only the very best insurance administrators attempt to obtain a BBB review. In our opinion, Azimuth Risk Solutions has emerged as the premier source of international travel insurance.

Cons

The plan administrator in the U.S. is a new company without a significant track record. Yet the corporate profile emphasizes the relevant experience of the principals in past positions and we believe that the company has shown excellent performance and policyholder service in the time it has been in operation.

Forms in PDF format for download

Product Brochure
Rates
Application
Sample policy certificate of coverage


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.