About Allnation
Established in 1977, Allnation Insurance Company is based in Wilmington, Delaware. The company offers a variety of individual health products designed for people residing outside of the United States seeking global health coverage.  Allnation is a 100% wholly owned subsidiary of The Barbados Mutual Life Assurance Society (The Mutual).  The Mutual was established in 1840 and over the years it has prospered to become the largest insurance and financial services organization in the Caribbean operating in 19 countries throughout the Caribbean plus Belize, Panama and the United States.  The Mutual is rated "A" (excellent) by the AM Best Company - a renown and reputable independent evaluator of insurance companies. For more information contact your authorized broker for Allnation at www.rgains.com

 
Allnation Classic Gold
Prices     If you can't view the file to the left, download

After you pay the deductible, Allnation Classic pays 80% of the next US$ 5,000 of covered allowable charges. Then covered services are paid at 100% of allowable charges.

Classic Gold Highlights
  • Maternity Benefits for Physician/Hospital Care
  • Air Ambulance Benefit - 24 Hour Assistance Services
  • No Day Limits on Hospital Stays
  • US$ 5 Million Lifetime Individual Benefit Maximum
  • PPO Hospital Network in US
  • Congenital Conditions of Covered Newborns
  • Automatic Newborn Enrollment Within 30 Days of Birth 

Hospital Benefits

Inpatient Hospital Benefits
  • Room and Board (Private Room in US PPO Network)
  • Intensive Care Unit
  • Diagnostics
  • Prescription Drugs
  • Chemotherapy & Radiation
  • Doctor & Surgery Services
  • Human Organ Transplants including Pancreas and Bone Marrow for Approved Diagnosis   
    (US$ 250,000 Lifetime Maximum)
  • Blood Transfusions
  • Physical and Occupational Therapy
  • Video Laryngoscopy Procedure

Outpatient Hospital Benefits
  • Ambulatory Surgery
  • Doctor Services
  • Emergency Benefits
  • Chemotherapy & Radiation
  • Prescription Drugs
  • Diagnostics
  • Physical and Occupational Therapy
  • Video Laryngoscopy Procedure

Wellness Benefits
  • Well Child Checkup and Immunizations
  • Routine Adult Physical Exams
  • Mammograms
  • PAP Test
  • GYN Exams
  • PSA Screening Test
  • Routine Vision Exams
Non-Hospital Benefits

  • Doctor's Office/Home Visits

  • Specialists Office Visits

  • Office Surgery

  • Physical Therapy

  • Occupational Therapy

  • Video Laryngoscopy Procedure

  • Psychiatric Office Visits

  • Prescription Drugs

  • Diagnostics
A Broad Range of Deductibles

Allnation Classic Gold offers $500, $1,000, $2,000, $4,000, $10,000 and $25,000 deductibles, so you can choose the right deductible for you and your family.

Easy Claims Filing

Filing claims is easy.  You will receive your claim instructions and claim forms along with your identification card.  All claims are paid in US dollars according to the current Contract Benefits.

Who is Eligible

You are eligible if you are under 75 years of age and live outside of the United States and its territories.  There are no restrictions on nationalities, occupations, hobbies or sporting activities.  Dependents who turn 19 can have continuous coverage on their own policy without new medical underwriting. Continuity of coverage is available to applicants with proof of continuous coverage from equivalent insurance policy from another international health insurance carrier.

Exclusions

The following is a partial list of excluded services.  See the Contract for a more complete list.

  • Undisclosed Pre-existing conditions
  • Drug/Alcohol treatment
  • Dental care
  • Cosmetic services
  • Experimental treatment
  • Pregnancy during the first 12 months of coverage
  • AIDS, HIV, ARC (AIDS related complex)
  • Fertility/Infertility treatment
How to apply

Contact Lic. Broker & Advisor Rebecca Rodriguez at  rebecca@rgains.com   or www.rgains.com