World Wide Health Insurance

We can customize an employee benefits solution that will enhance employee participation, stimulate employee moral and even attract new talent. Sprezzatura guarantees a benefits program that is built to work around your company, not the other way around. Our service professionals provide the support you need with the care you deserve. We are able to insure any member of your company from U.S. Citizens to Non U.S. Citizens which are legally working in the U.S. as well as any country around the world.

Information About This Program

Exclusively For

Non U.S. Citizens
Non Green Card Holders

Lloyd's Of London

"A" Rated (Excellent) for financial strength by A.M. Best, Lloyd’s has over a 13- year history of insurance excellence

Administrator

Collects premium
Aids in claims administration
Offers worldwide major medical coverage

Benefits & Advantages

Renewable Coverage: The coverage issued by certain underwriters at Lloyd’s cannot be individually canceled by insurer.
Guaranteed Premium: The table of premium cannot be increased individually for any reason.
You’re Choice of Provider: The insured member has the right to select the physician, hospital, or any other medical service, facility of their choice in any part of the world. This coverage includes in-hospital as well as out of hospital expenses.

Maximum Life Term Coverage per Member $1,250,000
Transplant Maximum (In Network Only) $1,250,000
In Network		Out of Network
In Hospital	100%	In Hospital	60%
Outpatient	80%	Outpatient	48%
Emergency Room	80%	Emergency Room	48%
Doctor Office Visits	80%	Doctor Office Visits	48%
Lab and Other Tests	80%	Lab and Other Tests	48%
Prescription Medications	80%	Prescription Medications	48%
Coverage Outside of the U.S.
In Hospital		100%
Intensive Care Room Maximum Per Day		$900.00
Semi Private Room and Board Maximum Per Day		$600.00
Outpatient		80%
Emergency Room		80%
Doctor Office Visit		80%
Lab and Other Tests		80%
Prescription Medication		80%
General Limitations
Normal Child Birth Reimbursement (after a 12 month waiting period and spouse insured.)			$6,000
Caesarian Child Birth Reimbursement (after a 12 month waiting period and spouse insured.)			$8,000
Ambulance Service Maximum per Case			$800

Dividends

At each renewal, the company rewards members with a dividend reduction in premium for savings obtained in benefit utilization by insured compared to others in the same age bracket, and geographic area where claims are incurred.

Member ID Card

The insured member and his dependents each receive three identification cards: The first can be used for admission in most hospitals in the USA, using the United Healthcare Network. The second can be used worldwide (and or Out of Network in the USA) and if not recognized by a provider, the insured pays the claim and may submit it to Certain underwriters at Lloyd’s for reimbursement. The third (Pharmacy Card) can be used in the majority of pharmacies in the USA.
The insured receives a pharmacy I.D. card with which he or she can obtain a covered prescription medication and pay only 20% of a discounted price at most pharmacy chain stores throughout the U.S.

Reimbursement of Medical Expenses

Insured will submit our company claim form or one readily accepted by AMA Council, duly completed and signed by the insured and the provider of service. Attached to the claim form, the insured must copies of all itemized bills showing description of charges, dates incurred, and name of patient. You may submit your claim form and receipts to us via Fax, Mail, or Email. All submissions must be in English or any other language accepted by the insurer.

Exclusions

Pre-Existing or congenital conditions
Maternity and infertility
Miscarriage
Abortion and related conditions
Routine physical check ups
Cosmetic surgery for any reason
Psychological or psychiatric treatment and its medications
Non prescription or over the counter medication
Sexual dysfunction
Acupuncture
Alcohol or drug addition
Acts of war – declared or undeclared
Self inflicted injuries or suicide
Expenses incurred after termination of coverage
Dental
Purchase or rental of: Air conditioners, Air purifiers, motorized transportation equipment, escalators or elevators, general exercise equipment, swimming pools or supplies and attachments therefore in private homes or place of business
Taxes, shipping, handling, procuring or other non-medical charges billed in conjunction with a covered medical service or supply
Hearing aids
HIV or AIDA (Acquired Immune Deficiency Syndrome) and related conditions
Examination of the eyes to prescribe eyeglasses or any other corrective device
Services which are provided free of charge or not recommended by a physician
Experimental medicine or services or provisions not specified or included in the policy
Long term medical care(person unable to manage personal hygiene or feed themselves)
Epidemic & natural disasters
Preventive care or treatment
Childbirth by subscribers dependent child or by subscriber if under individual plan 12 months prior to childbirth
Hazardous sports, i.e. professional or semi-professional sports competitions, skydiving, scuba diving, racing with equipment of any kind, etc.
Refer to policy for complete list of exclusion.

Additional Benefits (in and out of hospital)

Private duty nursing 24 hours when ordered by attending physician, physician, assistant surgeon up to 20% of surgeons fee, medication, x-ray and laboratory services.
Blood & Blood Plasma
Physiotherapy & Hydrotherapy

Calendar year Premium Table

Premiums are based on the elder of the household, and are prorated according to the date of birth
Premiums increase due to:
- Age advance and
- Inflation
- General claims experience adjustments

Underwriting fee in addition to the first premium period

The fee will be $100.00 per individual to be covered under the plan. This amount is to cover the cost of medical exams and retail credit investigation
In the event the coverage applied for is denied, the applicant forfeits this underwriting fee

Payment Mode