Meridian Clear
Target Groups for Meridian Clear
- Expatriates and international residents living or working abroad.
- Individuals unable to qualify for other international medical plans.
- U.S. citizens residing abroad or traveling internationally for extended periods.
- Families seeking affordable global medical insurance.
- Employers and organizations looking to provide medical benefits for international employees.
Meridian Clear Product Overview
Underwritten by Lloyd’s of London and administered by Azimuth Risk Solutions, the Meridian Clear Plan is tailored for expatriates, international travelers, and global citizens. It combines affordability with accessibility, ensuring that members can secure quality healthcare without geographic restrictions.
With options for wellness care, optional dental riders, and family-friendly features like complimentary coverage for the first two children under 10, the Meridian Clear Plan is a valuable solution for individuals and families navigating the complexities of international living.
- Comprehensive Medical Coverage:
- The Beacon Student Plan offers coverage limits up to $500,000, ensuring financial protection against a wide range of medical expenses, including hospital stays, outpatient treatments, and emergency care.
- Flexibility in Options:
- Choose from Elite, Advantage, and Choice plans, each offering different coverage levels, deductibles, and pricing. Whether students need extensive coverage or basic protection, there’s a plan to fit their needs.
- Support for Mental and Physical Health:
- Coverage includes mental health services, substance abuse treatment, and chiropractic care, addressing both physical and mental wellness during the student’s stay abroad.
- Emergency Assistance:
- Emergency medical evacuations, repatriation of remains, and reunions are covered, ensuring students receive the help they need during unforeseen crises.
- Trusted Backing:
- Underwritten by Lloyd’s of London, the plan benefits from a history of over 325 years of reliable claim payments and financial stability, providing reassurance to students and families.
Key Benefits of Meridian Clear
The Meridian Clear plans offer a wide array of benefits to ensure health, security, and flexibility for international travelers and residents. Below is a summary of key benefits and their specifics:
Requirement | Meridian Clear Coverage |
|---|---|
Coverage Area | Worldwide, with options including or excluding the U.S. and Canada. |
Maximum Coverage Limits | $2,000,000 per coverage period. |
Deductibles | Options: $500, $1,000, $2,500, $5,000, $10,000. |
Pre-existing Condition Coverage | After 24 months of continuous coverage, $5,000 per period, $50,000 plan maximum. |
Hospital Room and Board | Semi-private room rates, subject to plan limits. |
Emergency Medical Evacuation | Up to $30,000 for necessary transport to the nearest adequate facility. |
Emergency Reunion | Up to $7,500 for family travel and accommodations during medical emergencies. |
Wellness Benefits | $250 annually for adults (after 24 months); $150 for children (after 12 months). |
Maternity Coverage | Up to $10,000 after 24 months of continuous coverage, including prenatal and postnatal care. |
*This is only a consolidated and summary description of some of the current Azimuth Risk Solutions benefits, conditions, limitation and exclusions. An Evidence of Insurance containing the terms, conditions and exclusions will be included in the fulfillment kit. Azimuth Risk Solutions reserves the right to issue the most current Evidence of Insurance for this plan in the event this application and/ or brochure has expired, is modified, or is replaced with a newer version. A complete copy of the Master Policy is available at all times upon request.
Meridian Clear Eligibility
The plan is available to individuals aged 14 days to 65 years at the time of application. Members can renew coverage up to their 75th birthday, provided they meet the plan’s residency and coverage requirements. U.S. citizens must leave the U.S. within 30 days of the policy’s effective date and renewal dates.
Effective Date Definition
The effective date begins:
- On the start date requested in the application.
- Upon receipt of the completed application and premium payment by Azimuth Risk Solutions.
When Benefits Begin
Coverage starts at 12:01 AM on the effective date listed in the Certificate of Insurance and continues for the chosen coverage period.
Evidence of Insurance
Members receive a comprehensive Certificate of Insurance detailing plan benefits, limitations, exclusions, and terms. This document serves as proof of coverage and should be presented during medical visits or claims processing.
Frequently Asked Questions
Our FAQs cover common inquiries regarding our insurance services, providing clear answers on insurance processes, fees, security measures, and customer support options to ensure a seamless experience for our users.
Who can apply for the Meridian Clear Plan?
Eligible individuals aged 14 days to 65 years, including expatriates and international residents.
Are pre-existing conditions covered?
Yes, after a 24-month waiting period, with coverage limits of $5,000 per coverage period and $50,000 for the lifetime of the plan.
How are claims processed?
Submit a completed claim form along with receipts and medical documentation. For large claims, pre-certification ensures direct payment to providers.
What optional riders are available?
Members can add dental coverage, term life insurance, and accidental death & dismemberment (AD&D) benefits.
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