World Insurance HD Advantage

With this plan, the deductible only needs to be met once per family per year. After you have met your deductible, the plan pays 100% of all covered expenses, up to either $2 or $5 million per person. There is also an option for 50% of 80% coverage, with a co-insurance limit of $10,000. Routine doctor visits and out patient prescription drugs are not covered by this plan, even after the deductible has been met, unless the Comprehensive HSA Benefit rider is included.

Foreign travel is also covered for 60 days, with a $100,000 lifetime limit.

This plan qualifies as HSA-eligible. Combining a Health Savings Account with any the World High Deductible Health Plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest. This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine. If you do not use these funds, they simply accumulate, with interest, for distribution upon your retirement.

Optional Riders:

Comprehensive HSA Benefit

The HD Advantage program does not cover outpatient doctor visits or prescription drugs unless this optional rider is added. This optional benefit cannot be added to your policy after you apply for coverage. It provides the following additional benefits.

1. Rx Benefits - subject to deductible and coinsurance. Prescription drugs or medicines for a covered illness or injury when prescribed by a physician and dispensed by a licensed pharmacist.

2. Physician Office Visit Benefits - subject to deductible and coinsurance for medical services provided by a physician.

3. Outpatient Services - subject to deductible and coinsurance. Services include, but are not limited to, physical,
occupational, speech and manipulative therapy, and diagnostic testing.

4. Wellness Benefits - a maximum of $150 first dollar coverage for wellness benefits per covered person, per calendar year. Eligibility starts for each covered person 12 months after the plan is effective for that covered individual.

Maternity Benefit

When added, this benefit covers 100% of the cost of a routine delivery after you have paid a $2500 deductible. This helps pay pregnancy-related expenses such as prenatal care, delivery, newborn hospital costs, and postpartum care after delivery. Benefits will be payable for pregnancies beginning after a six month waiting period. The cost to add this optional coverage to any World Insurance policy is $212.26 per month.

Critical Illness Benefit

Cash benefits paid directly to you to spend as you wish if you are diagnosed with a critical illness. Benefits will be paid according to the schedule in your insurance contract, up to $25,000 per illness. Available to applicants age 19 and older.

Short Term Convalescent Care Benefit

Pays a daily cash benefit to help with expenses if you are confined in a nursing home or assisted living facility. There is a 20-day waiting period before benefits will be paid, and a 90-day lifetime maximum.

Accidental Death Benefit

Cash benefits paid in the event of a fatal accident. Available in incriminates starting at $2500 and going up to $100,000.

You must be covered by a World Insurance policy in order to add any of these benefits.

For quotes on any of the optional riders listed above, call one of our expert advisors at 866-749-2039.

Maximum Benefit Option

Your HD Advantage policy/certificate's lifetime coverage maximum is $2 million per covered person. The Maximum Benefit Option increases the lifetime maximum to $5 million. It also increases the per-organ transplant maximum from $500,000 to $1,000,000 at nationwide Centers of Excellence, facilities that specialize in specific types of transplants and can provide you with quality care on a cost efficient basis.

Term Life Benefit Option

The Term Life Benefit Rider provides you and/or your spouse with annually renewable term life insurance coverage in benefit amounts of $10,000, $25,000 or $50,000. Plus, you also have the option of converting your term-life policy to a World whole life policy.

Outpatient Accident Benefit Option

With the Outpatient Accident Benefit Rider, your plan pays 100 percent of expenses for a covered injury, not to exceed the amount you choose ($500, $1,000, $1,500, $2,000, $2,500, $3,000 or $5,000) per calendar year for treatment of injuries on an outpatient basis, with no deductible or coinsurance. Additional benefits are subject to your deductible and coinsurance. (Note: Not all levels are available in all states)

Expenses covered under this rider include:

Services, supplies, and physician's care; X-ray and laboratory tests; and Treatment or services received in a hospital emergency room, urgent care center, physician's office, or ambulatory surgical center or facility.