WEA Signature Elite

The WEA Signature Elite option is our top-level international health insurance, providing expatriates with leading edge comprehensive coverage, including full emergency room, surgery and outpatient medication benefits, flexible deductible, emergency dental, and hospitalization and intensive care coverage. WEA Signature Elite also includes 100% maternity benefits, local ambulance service, lab and x-rays, as well as complementary medicines.

Plan Highlights

  • Worldwide coverage (U.S. optional)
  • 5 deductible options
  • Hospitalization
  • Intensive Care Unit
  • Emergency Room coverage
  • Prescription medication
  • Emergency medical evacuation
  • Optional maternity benefits
  • Wellness benefits
  • Acupuncture and Aromatherapy
  • Dental treatment
  • Vision benefits

Lifetime Maximum Benefits

Up to $2,000,000 for human organ transplant

$5,000,000 per insured

General

BenefitCoverage
Area of Coverage OptionsWorldwide (including U.S. Coverage) 
or 
Worldwide (excluding U.S. Coverage)
Policy Lifetime Maximum per Insured$5,000,000
Policy Year Deductible Options
(Certificate of Coverage defines your selection)
  • Individual
  • Family

Deductible for Family is a maximum of two (2) individually met deductibles per policy year.
$250 | $500 | $1,000 | $2,500 | $5,000
Co-Insurance Limit (Out-of-Pocket) Outside the U.S.No co-insurance applies
Co-Insurance Limit (Out-of-Pocket) U.S. In-NetworkAfter the deductible, 10% of the first $5,000 of covered medical charges
Co-Insurance Limit (Out-of-Pocket) U.S. Out-of-NetworkAfter the deductible, 50% of covered medical charges
Policy Waiting Period30 days
Inpatient Benefits

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Hospital Room and Board90%50%100%
Intensive Care Unit (ICU)90%50%100%
Inpatient Ancillary Hospital Services
Including, but not limited to X-rays, drugs, bandages, operating room fees, surgical implants
90%50%100%
Inpatient Physician/Specialist Visits
Limited to one visit per day per specialty
90%50%100%
Inpatient Surgery90%50%100%
Surgeon’s Fees90%50%100%
Assistant’s Surgeon’s Fees20% of the Primary Surgeon approved fees
Anesthesiologist’s Fees30% of the Primary Surgeon approved fees
Pre-Admission Testing
Must be performed before non-emergency hospitalization
90%50%100%
Extended Care Facility
30 days per policy year
90%50%100%
Human Organ Transplant & Acquisition
Subject to 12-month waiting period
90%
$2,000,000 lifetime maximum
Not covered100%
$2,000,000 lifetime maximum
Inpatient Mental/Nervous Health
Subject to 12-month waiting period; Coverage limits apply to Inpatient &
Outpatient visits combined
90%
$50,000 lifetime maximum
50%
$50,000 lifetime maximum
100%
$50,000 lifetime maximum
Outpatient Benefits

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Outpatient Surgery90%50%100%
Surgeon’s Fees90%50%100%
Assistant’s Surgeon’s Fees20% of the Primary Surgeon approved fees
Anesthesiologist’s Fees30% of the Primary Surgeon approved fees
Chiropractic Services90%
50%
100%
Diagnostic Testing
MRI, CT Scan, PET Scan, and other diagnostic machine tests
90%50%100%
Dialysis90%50%100%
Emergency Room Services
If not admitted to the hospital, a co-payment of $250 per visit will apply
90%50%100%
Home Health Care90%50%100%
Hospice Care
180 days per policy year
90%50%100%
Outpatient Physician/Specialist Visits
Limited to one visit per day
90%50%100%
Oncology / Cancer Treatment90%50%100%
Reconstructive Surgery
Due to covered injury or illness
90%50%100%
Outpatient Rehabilitation / Therapeutic Services
Physical, Speech, Occupational Therapy
60 visits per policy year
Outpatient Mental/Nervous Health
Subject to 12-month waiting period; Coverage limits apply to Inpatient & Outpatient visits combined
90%
$50,000 lifetime maximum
50%
$50,000 lifetime maximum
100%
$50,000 lifetime maximum
Wellness Benefit for Children under the age of 19
Subject to 12-month waiting period
Up to $400 per policy year
Deductible waived
Wellness Benefit for Adults
Subject to 12-month waiting period
Up to $500 per policy year
Deductible waived
Alternative Medicine

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Aroma & Herbal Therapy80% up to $50 per policy year
Magnetic Therapy80% up to $75 per policy year
Vitamin Therapy80% up to $100 per policy year
Acupuncture & Massage Therapy80% up to $150 per policy year
Additional Benefits

BenefitU.S. In NetworkU.S. Out of NetworkOutside the U.S.
Congenital Disorders, Birth Defects & Hereditary Conditions90%
$250,000 lifetime maximum
50%
$250,000 lifetime maximum
100%
$250,000 lifetime maximum
Durable Medical Equipment90%50%100%
Prosthetic Limbs90%
Up to $30,000 per prosthesis
$60,000 lifetime maximum
50%
Up to $30,000 per prosthesis
$60,000 lifetime maximum
100%
Up to $30,000 per prosthesis
$60,000 lifetime maximum
Prescription Medication90%
Up to $20,000 per policy year
50%
Up to $20,000 per policy year
100%
Up to $20,000 per policy year
Emergency Dental Treatment
To restore natural teeth damaged in a covered accident
90%50%100%
Emergency Dental Treatment
Due to sudden unexpected pain
100%
Deductible waived
Non-Professional Sports$200,000 lifetime maximum
Emergency Medical Evacuation / Air Ambulance100%
Deductible waived
Emergency Ground Ambulance90%50%100%
Emergency Transportation of 1 Family Member$10,000 lifetime maximum
Deductible waived
Repatriation of Mortal Remains or Local Burial
(In lieu of repatriation)
$50,000 lifetime maximum
Deductible waived
Eye Examination
One routine eye examination every two years
Up to $100 per policy year
Eyeglasses or Contacts
Once every two years
Up to $150 per policy year
Routine Dental
Subject to 6-month waiting period
  • Class A
  • Class B
  • Class C
Up to $700 per policy year
$50 Deductible
  • Class A: 90% — No deductible applies
  • Class B: $50 deductible then payable at 70%
  • Class C: $50 deductible then payable at 50%
Maternity

BenefitIn NetworkOut of NetworkOutside the U.S.
Lifetime maximum of $50,000; Subject to 10-month waiting period; Deductible waived for deductible options of $2,500 or less
100% coverage up to the limits below for the insured female policyholder or insured dependent spouse only.
Normal Delivery
Prenatal and postnatal care
90%
$50,000 lifetime maximum
50%
$50,000 lifetime maximum
100%
$50,000 lifetime maximum
Cesarean Section90%
$50,000
lifetime
maximum
50%
$50,000
lifetime
maximum
100%
$50,000
lifetime
maximum
Complications of Pregnancy and Birth90%
$50,000 lifetime maximum
50%
$50,000 lifetime maximum
100%
$50,000 lifetime maximum

Optional Riders

In addition to a comprehensive insurance package, we have several options available to enhance the WEA Signature Elite plan option.

Life Insurance and Accidental Death & Dismemberment

Coverage is available for the primary insured only.

 

Coverage OptionsPremium Fee
Option 1: $10,000$40 annually
Option 2: $25,000$100 annually
Option 3: $50,000$200 annually
Option 4: $75,000$300 annually
Option 5: $100,000$400 annually
Travel Assistance

Travel Assistance is a great option for those who are regular travelers. Some key benefits include:

 

  • Hotel convalescence expenses
  • Round-trip airfare ticket for a family member
  • Supplemental indemnity for lost luggage
  • Legal assistance
Premium Fee
Primary$150 annually
Primary and Dependents$300 annually
CoverageMaximum Amount in U.S. Dollars
Medical, hospital and pharmaceutical expenses$10,000
Emergency dental expenses$250
In-office medications$300
Repatriation to domicile after treatment$10,000
Hotel convalescence expenses$100 per day
Maximum of 10 days
Transfer of accompanying minors$2,000
Round-trip ticket for a family member$1,000
Hotel expenses for a family member$50 per day
Maximum of 10 days
Search and transportation of luggage and personal belongings$500
Legal assistance$1,500
Supplemental indemnity for loss of luggage$1,000

All benefits are subject to Usual, Customary and Reasonable (UCR) fees. The benefits, coverage and exclusions listed herein are only a summary, and are subject to the specific terms and conditions of the plan concerning eligible benefit, limitations, eligibility and exclusions. Please refer to the Policy Wording for details.

Penalties to the benefits payable under this plan may apply if the requirements are not met. Please refer to the section labeled Pre-Certification Requirements and Procedures in the plan’s Policy Wording. You must contact the pre-certification provider number listed on your identification card.

The following services require Pre-Certification: Hospitalization | Surgeries | Diagnostic Testing | Oncology Treatment | Repatriation of Mortal Remains | Therapy | Organ Transplant | Medical Air Evacuation / Air Ambulance | Rehabilitation | Home Health Care | Extended Care Facility / Diagnostic Testing

Failure to perform the pre-certification requirements within a minimum of 5 business days prior to the planned treatment of a non-emergency service or within 72 hours of an emergency service, will result in a penalty of 30% of the allowable charge for the entire episode of care. The penalty will not count toward the deductible or co-insurance maximum as defined on the Certificate of Coverage.

Usual Customary and Reasonable Charges = UCR. All amounts are in USD.

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