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In partnership with:
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Worldwide Comprehensive Health Insurance for Pilots
GlobalCare® Pilots Health Plan
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TABLE OF CONTENTS
OVERVIEW 4THE GlobalCare® PLAN 5KEY BENEFITS 6CLAIMS EXPERTISE 7PLAN ELIGIBILITY 8SUMMARY OF BENEFITS 9 - 10ANNUAL PREMIUMS 11ENROLLMENT 12 OPTIONAL BENEFITS 13FREQUENTLY ASKED QUESTIONS 14 - 17
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Baymac has partnered with Clements Worldwide to provide world-class insurance solutions, underwritten by Lloyd’s of London, to its members. Together, Baymac and Clements have created the GlobalCare® Pilots Health Plan, a comprehensive health insurance coverage specifically designed to meet the needs of professional pilots and their families globally.
About Clements Worldwide
For over 70 years Clements Worldwide has been the preferred insurance provider for expatriates, international organizations and professional associations. By combining our experience, feedback from clients around the world, and our unique access to Lloyd’s of London as a coverholder, we are able to create insurance solutions that are customized to our clients specific requirements.
Our company’s strength and innovation lie in the quality and depth of our solutions and staff. We provide a wide range of products including Loss of Income, Life Benefits, Personal Property and International Motor Insurance, all supported by our three strategic offices located in Dubai, London and Washington DC .
Credentials
• Coverholder for Lloyd’s of London for 13 products. Other programs exclusively designed with carriers in the U.S. and worldwide
• Ten time recipient of the Independent Insurance Agents & Brokers of America’s (IIABA) Best Practices Award.
• Preferred provider of International Insurance solutions for many international organizations and expats globally
OVERVIEW
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THE GlobalCare® PLAN
High Limit CoverageUSD 5 million annual worldwide coverage
Children FreeChildren up to the age of 10 are included
Emergency Medical EvacuationWhen local facilities are not adequate
Discounted Rates for young adultsUp to the age of 26
Pre-existing Conditions Accepted*Full at renewal/up to USD10,000 year one
A Rated Financial SecurityUnderwritten by Lloyd’s of London
Extensive Medical Network750,000+ providers in US and over 7,000+ physicians in 190 countries
Enhanced coverageVision – included free of charge. Dental and Accidental Death & Dismemberment – available as add-on options**
Core Coverage
Choice of Doctor / Medical FacilityUse any medical facility of your choice
No Medical UnderwritingNo medical underwriting / medical tests for pilots under the age of 63
Hereditary Conditions CoveredNo waiting period
Post Retirement BenefitsSubject to laws of your home country
War and Terrorism CoverageNo country exclusions
Exceptional Claims ServicingRobust and user friendly claims portal
HIV / AIDS CoveredNo waiting period if first contracted after policy inception
Mobile AppAccess to mPassport, allowing you to scan and file claims “on the go”
Additional Benefits Exclusive to GlobalCare®
The Baymac GlobalCare® Pilots Health Plan is specifically designed to meet the needs of pilots worldwide. Unlike other international health plans, GlobalCare® provides access to one of the largest international direct billing networks and allows the medical provider to be chosen by the insured.
* Additional information on page 14** Additional information on page 13
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• This program provides comprehensive medical coverage allowing insureds to seek treatment anywhere in the word.
• Coverage for professional pilots and their families including children up to the age of 26. Unmarried children age 21 to 26 are eligible as dependents, as long as they are registered in an accredited educational institution.
• Select your doctor: the plan does not limit you to any particular doctor or practitioner outside the U.S. (out of network condition may apply in U.S. for applicable deductible plan)
• Pre-existing conditions are covered up to a limit of USD 10,000 for a period of 12 months of continuous cover. On renewal pre-existing conditions will be covered up to the policy limit subject to other terms and conditions of the policy. Maternity is covered subject to a 12-month waiting period. Mental and Nervous disorders are covered subject to an 18-month waiting period.
• No medical underwriting for Baymac Professional Pilot Group Members under the age of 63.
• Third Party administrator HTH Worldwide has been appointed to handle claims and has multi-lingual representatives available 24/7.
• This policy provides optional coverage for dental (emergency dental included in the standard Plan), and Accidental Death and Dismemberment (AD&D).
• Flexible payment options.
• Air Ambulance and Medical Evacuation services are included at no additional cost.
• Multi-lingual servicing capabilities for doctor consultations.
KEY BENEFITS
* Pre-existing condition means any Illness or Injury for which a Covered Person received any diagnosis, medical advice or treatment, or had taken any prescribed drug, or where distinct symptoms were evident, during the 24 months preceding his or her effective date of coverage under this Certificate of Insurance.
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CLAIMS EXPERTISE
Clements Worldwide are dedicated to providing a claims service that is focused on the customer, offering them with the necessary support and guidance when they need it the most. GlobalCare® comes with many benefits to help make the claims process as simple as possible.
• Access to a direct billing network of over 750,000 U.S. doctors, clinics & hospitals• Over 7,000+ physicians and 2,000+ facilities in 190 countries worldwide• 24/7 multilingual assistance centers
In addition GlobalCare® offers technological advantages aimed at making the claims process smoother and more accessible for those on the move.
GlobalCare® Health – Portal A dedicated online portal allowing the policyholder to complete a variety of essential tasks to maintain a healthy lifestyle, including but not limited to:
• Search for hospitals and physicians• Prescription mail order• Review coverage & benefits• Review & print Explanation of Benefits (EOBs)• Online Claims submission (eClaims)• Pre-certification • Check status of pending & paid claims• Guarantee Of Payment (GOP)• Translation tool• Travel health & news
mPassport® appCustomers of Clements Worldwide have access to a smart phone app that is focused on making claim submission easy, no matter where you are. The app performs a variety of functions, allowing the policy holder to:
• Submit a direct pay request to receive a Guarantee of Payment (GOP) • Submit an electronic claim for member or provider reimbursement when GOP has
not been used and payment was made at the time of service
Medical Monitoring - A personal touchClements Worldwide, through its network, provides consultations with attending medical professionals during hospitalization and provides a single point-of-contact for family members to receive ongoing updates regarding medical status.
Claims Concierge ServiceWith GlobalCare® policyholders get exclusive access to in-house, specialized claims service to assist them with claims and benefit queries. This service is dedicated to ensuring the entire claims process is as simple and effective as possible.
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The Plan has been designed to include pilots within the Baymac Professional Pilots Group and their dependents. Available to international expatriates (excluding U.S. Nationals)
To be eligible for enrollment, pilots must meet the following criteria:
• Must be actively employed as a pilot at time of enrollment
• Must hold a valid Commercial Pilot’s License (CPL), Multi-Crew Pilot’s License (MPL), or Air Transport Pilot’s License (ATPL)
• Must have a valid medical certificate issued by an aviation medical practitioner (AME) approved by the licensing authority for the CPL, MPL, or ATPL held.
• Active Baymac Membership
No medical underwriting is required for pilots under 63 years of age. Pilots who are 63 years of age or older at the time of enrollment are required to complete a medical form and may be required to provide additional medical information if required by the underwriters.
You must reside outside of your home country for at least 6 months and outside of the USA and respective territories for at least 9 months out of any continuous 12 month period. You must have less than 90 days of continuous medical treatment in USA or your home country.
Dependents who meet the following criteria are eligible for medical coverage under the Plan:
• Lawful spouse or domestic partner of an Insured; or
• A dependent child of an insured under age 26 years including child of the Insured’s lawful spouse; or *
• Natural, adopted or children under the legal guardianship of the Insured including step children who are at least 51% dependent upon the Insured Person for support; or
• Unmarried children 21-26 years of age provided the child is a full-time student in an accredited educational institution and is not employed on a full-time basis.
At all times during the policy period, Baymac Professional Pilots Group membership must be in good standing.
* Additional plan options available for children aged 26 and over.
PLAN ELIGIBILITY
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SUMMARY OF BENEFITS*
* Summary of Benefits subject to policy wording, limitations and exclusions may apply. ** AIDS not covered if contracted prior to enrollment date. *** Mental, Nervous conditions, and Maternity are subject to waiting periods.
In-Patient Benefits (Pre-certification required except in emergency)
CT, PET and MRI Scans Covered (Subject to co-insurance & policy limit)
Day-care Treatment Covered (Subject to co-insurance & policy limit)
Organ Transplant USD 500,000 lifetime max (Subject to co-insurance & policy limit)
Parental Accommodation Covered (Subject to co-insurance & policy limit)
Prescription Drugs, Doctor’s Fees, Diagnostic Tests Covered (Subject to co-insurance & policy limit)
Semi-Private Room and Board Covered (Subject to co-insurance & policy limit)
Surgical Procedures Covered (Subject to co-insurance & policy limit)
BENEFIT COVERAGE
General Benefits
Policy Limit USD 5,000,000 annual max.
Coverage Territory Coverage Territory - Worldwide with options for including or excluding USA and its territories
Plan Co-insurance90% in-network in United States
70% out-of-network in United States90% outside of United States
Eligibility Actively at work with CPL, MPL, or ATP license
Accidental Damage of Teeth Covered up to USD 2000 per accident
AIDS Covered** (up to policy limit)
Complications of Pregnancy and Childbirth USD 100,000 (max/lifetime)
Congenital Conditions USD 300,000 (max/lifetime)
Hereditary Conditions Covered (up to policy limit)
Maternity - Cesarean Section 50% of cost up to USD 15,000 max
Maternity - Normal Delivery 50% of cost up to USD 10,000 max
Newborn CoverageCovered per Maternity benefit with waiting period
applicable. Newborns should be enrolled under the policy within 31 days of birth.
Nursing Care - Home or Convalescent Home Max 30 days per condition
Oncology Covered (subject to co-insurance and policy limit)
Passive War and Terrorism Covered (subject to co-insurance and policy limit)
Pre-existing Conditions Covered***(up to USD 10,000 for 1st 12 months)
Repatriation of Mortal Remains USD 10,000
Treatment Abroad Direct billing frequently used International hospitals / facilities.
Waiting Periods (Subject to pre-existing conditions clause)
Maternity 12 months
Mental and Nervous Conditions 18 months
Minor Surgery Immediate coverage subject to pre-existing conditions clause
Newborns Subject to maternity waiting period and 31 day notification
Organ Transplant Immediate coverage subject to pre-existing conditions clause
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SUMMARY OF BENEFITS continued
BENEFIT COVERAGE
Out-Patient Benefits
Accident & Emergency Treatment
USD 100 Co-Pay/visit, if not admitted as an in-patient.
100% R&C after copay within 72 hours of Injury or Medical Emergency
80% of R&C after 72 hours of Injury or Medical Emergency
Alternative Medicine
Covered - up to USD 250 (Acupuncture, Naturopathy, Osteopathy,
Magnetic Therapy, Herbal Therapy, Massage Therapy, Aro-ma Therapy and Vitamin Therapy)
Check up Wellness - USD 250 annual
Chronic Conditions Covered (Subject to co-insurance & policy limit)
CT, PET and MRI Scans Covered 100% (Subject to co-insurance & policy limit. Pre-certification Required)
General Practitioner, Specialist Fees and Diagnostic Tests Covered 100% (Subject to co-insurance & policy limit)
Hospice Care / Terminal Care Covered (Subject to co-insurance & policy limit. Pre-certification Required)
Out Patient Surgery Covered (Subject to co-insurance & policy limit)
Prescribed Physiotherapy Covered - 80% (Pre-certification Required)
Prescription Drugs Covered with USD 10 or USD 20 co-pay (per 30 day supply)
Rehabilitation Covered - 80%
Routine dental
Covered with rider at maximum limit of USD 1,000 and USD 100 deductible: Class I-100%; Class II-80% and Class
III-50% (18 months waiting period to apply for Class III)
Vaccinations Covered up to USD 250 - no deductible
Additional
Air Ambulance & Emergency Medical Evacuation USD 75,000
Emergency Reunion Covered (up to policy limit)
Local Ambulance USD 15,000 per occurrence
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ANNUAL PREMIUMS - INTERNATIONAL EXPATRIATE PLAN
* Age 63 and over are subject to medical underwriting.** Children 21-26 must be unmarried and full-time students
Program Description
Eligible Members International pilots living and working outside their home country
Monthly Premium with US Coverage Option
Coverage Territory Worldwide, excluding U.S. See FAQ 29 for details Worldwide Including U.S.
Co-Insurance 90% in-network in the US / 70% out-of-network in US / 90% outside US
Out-of-Pocket Expenses USD 5,000 per individual / USD 15,000 per family
Medical Insurance - Option 1 Monthly Premiums
Deductible per calendar year USD 1,000
Pilot (to age 62*) USD 257 USD 283
Spouse / Domestic Partner (to age 62*) USD 283 USD 311
Young Adults — Dependent Children (age 19-26)** USD 126 USD 139
Children (11-18) USD 90 USD 99
Children (0-10) No Charge No Charge
Medical Insurance - Option 2 Monthly Premiums
Deductible per calendar year USD 500
Pilot (to age 62*) USD 283 USD 311
Spouse / Domestic Partner (to age 62*) USD 311 USD 342
Young Adults — Dependent Children (age 19-26)** USD 132 USD 146
Children (11-18) USD 94 USD 104
Children (0-10) No Charge No Charge
Rates effective May 24th 2019
Optional Dental Expense Benefits*** Monthly Premiums
Ages 0-4 No Charge
Ages 5-14 USD 34
Ages 15-74 USD 53
Optional AD&D Benefit*** Monthly Premiums
Age 18-65 USD 100,000 USD 8
Age 65-74 USD 50,000 USD 4
Vision No Charge
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HOW TO ENROLL
Existing Baymac Pilot MembersFor existing members of the Baymac Professional Pilots Group, complete the online Baymac GlobalCare® Pilots Application form at:www.baymac.net
Within five business days of receiving your application, you will be informed whether your application has been accepted or if additional information is required. Once accepted, payment may be made to Clements Worldwide by credit card or wire transfer.
For payment details contact Clements Worldwide at +1.202.478.6589, +1.800. 693.1087 or via email at [email protected] Monday through Friday between 8am to 5pm EDT.
Non-MembersThe Baymac GlobalCare® Pilots Health Plan is available exclusively for Baymac Professional Pilot Group Members. Pilots holding a valid Commercial, Multi-Crew Pilot’s License, or Airline Transport Pilot’s License are eligible for membership of the Baymac Professional Pilots Group. Complete the Baymac Professional Pilot Membership Online Application at www.baymac.net and submit payment for membership fees as provided in the Application Form.
On acceptance of your application, you will be provided with a membership number that will be required for each applicant wishing to purchase the Baymac GlobalCare® Pilot Health Plan. Membership is confirmed once your payment has been received and your application approved.
For non-members interested in knowing more about the Baymac GlobalCare® Pilot Health Plan, contact Baymac at +971 55 111 3674 or email [email protected].
Effective Date of CoverageOnce accepted, you will be given an effective date of coverage and a kit containing your Identification Card, Certificate of Coverage, and instructions on how to use your insurance coverage. Included in your instructions will be details on how to access to Clement Worldwide’s international and U.S. PPO Network and information providing you with an online suite of tools and resources to help you locate and obtain quality medical care throughout the world.
RenewalsThe Baymac GlobalCare® Pilots Health Plan is renewable annually. Renewal is subject to continued eligibility.
Post Retirement BenefitsIndividual plan options are available for post-retirement. Post-retirement benefits are subject to the laws of your home country.
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OPTIONAL BENEFITS
DentalThere is a USD 100 deductible for dental coverage, with a maximum coverage amount of USD 1,000 per individual. Diagnostic and Preventive dental services (Class I) and Basic Restorations, Endodontics, Periodontics, Prosthodontic Maintenance and Oral Surgery (Class II) are covered immediately, at 100% and 80%, respectively. Major Restorations, Dentures and Bridgework (Class III) require an 18 months of a policy period (a renewal would take effect) before 50% of coverage takes effect.
Accidental Death, Accidental Loss of Limb or SightOptional benefits up to USD 100,000 are available for loss of sight, loss of limbs or loss of life at an additional annual premium.
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1. What is the GlobalCare® Pilots Plan?The GlobalCare® Pilots Plan is specifically designed to meet the needs of professional pilots and their families by providing worldwide major health insurance coverage. This program is offered by Clements Worldwide, a Lloyd’s coverholder who has provided comprehensive global insurance for multinationals worldwide for the over 70 years.
2. Do I require additional healthcare cover if I already have coverage by my airline?This plan is supplementary to any employer or locally required plan. Many airlines provide some medical coverage for their employees. In many instances the coverage provided has several limitations and major medical treatment may either not be covered, not be totally covered, or may require lengthy approval processes, often being financially limited to the cost of local health care.
The GlobalCare® Pilots Health Plan is cost effective, transparent and covers most medical conditions globally. Annual coverage is up to USD 5m per person. Pilots and their families have the peace of mind of knowing that in an emergency, when treatment is not provided locally, transportation is available (by ground or air ambulance), without concerns about cost or employer approval.
3. What are the advantages of the Baymac GlobalCare® Pilots Plan?The Baymac GlobalCare® Pilots Health Plan provides pilots and their families with worldwide access to a superior level of medical and healthcare professionals.
The GlobalCare® Pilots Health Plan is flexible, covering pre-existing conditions, as well as being easily transferable when pilots are required to change employment. The following additional benefits make the Baymac GlobalCare® Pilots Health Plan a leader in its class:
• Competitive premiums
• Deductible options include: USD 500 or USD 1,000
• Comprehensive cover with in/out patient diagnostics and prescription medication
• Children 10 years of age and under are covered at no additional cost. Reduced rates for students up to 26 years of age
• Worldwide network• 24 hours claims assistance
4. Are Pre-existing conditions covered?Yes. Pre-existing conditions are covered up to a limit of USD 10,000 for the first 12 months of continuous cover at initial enrollment. Thereafter pre-existing condition will be covered up to the policy limit subject to other terms and conditions of the policy. Mental and Nervous disorders require an 18 month waiting period before cover starts; Maternity coverage requires a 12-month waiting period. This plan does not cover HIV/AIDS if contracted before policy inception date. Baymac does not, however, intend or expect persons to apply for coverage for the main purpose of claiming for treatment of pre-existing conditions.
5. Is outpatient treatment covered?Yes. See Summary of Benefits.
6. Are prescription drugs covered under outpatient treatment?Yes. See Summary of Benefits.
7. Are congenital conditions covered?Yes. Unlike many policies which exclude congenital conditions, or only cover them when diagnosed during the policy duration, the GlobalCare® Pilots Health Plan will provide cover.
8. What is the USD 5 million annual coverage?Under the GlobalCare® Pilots Plan the policy provides coverage for a annual limit of USD 5 million for each family member covered under the policy.
9. Can I choose any doctor, clinic or hospital any where in the world outside the USA?Yes. You are free to use the doctors, clinics and
FREQUENTLY ASKED QUESTIONS
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hospitals of your choice. The GlobalCare® Pilots Plan does not limit you to a particular network of doctors or hospitals.
10. What is the Preferred Provider Network and is it only for the USA? The Preferred Provider Network (PPN) is a large network of hospitals within the US only where arrangements have been made with the insurance provider for treatment of its clients within the US. Utilization of this network allows for higher benefits to be available for treatment in the U.S.
11. What if I require treatment in the USA but choose not to use a hospital or clinic within the PPN? You may choose to use other hospitals of your choice within the USA. Where a hospital is chosen within the USA that is outside of the PPN, 70% of the benefit will be paid.
Outside of the US the PPN is not applicable and 90% of the benefits are available for all doctors, clinics and hospitals (subject to policy terms and conditions).
12. Are Air Ambulance and Medical Evacuation available?Yes. In the event of acute or serious injury air ambulance expenses are covered to the nearest suitable place of treatment in cases where no qualified treatment can be obtained locally. (This is only applicable to expatriates, subject to approval by claims administrators)
13. Who is eligible for the GlobalCare® Pilots Health Plan?To purchase the GlobalCare® Pilots Health Plan you must be actively employed as a pilot, hold a valid Commercial Pilots License, Multi-Crew (MPL) or Air Transport Pilot’s License and a valid aviation medical. You must also be a member in good standing of the Baymac Professional Pilots Group, and you must be a fully paid up member if not otherwise exempted.
14. Are my family members eligible for cover under the GlobalCare® Pilots Health Plan?The dependents of the Baymac members enrolled in the program who meet the following criteria are eligible for medical coverage under this plan:
Spouse: Spouses of eligible pilots may become members of the Baymac Group. This includes common law as defined by legislation in the employee’s home country. Once a member, a spouse may obtain cover under the plan.
Children: Children of a pilot or pilot’s spouse who are natural or legally adopted by the pilot or his or her spouse and are unmarried, may be covered under the plan. A child, whose parent is eligible for maternity coverage, can be enrolled in the parent’s policy regardless of the child’s state of health. Congenital and hereditary conditions are covered. Clements Worldwide must be notified within 31 days upon birth of a newborn.
On reaching 21 years of age a child can continue to enjoy cover, provided they are unmarried and a full time student at an accredited tertiary institution, until their 26th birthday without having to undergo new medical underwriting. The child will be removed from the policy after their 26th birthday.
15. My children study overseas; can they be enrolled in the plan?Yes. Up to 26 years of age.
16. Can my children be covered if my wife is not on the plan?Yes (subject to age limitations).
17. How do I apply?Visit www.baymac.net and join the Baymac Professional Pilots Group. Applications are made online. Once your Baymac membership is approved you will receive a membership number that you may use to apply for your GlobalCare® Pilots Health Plan on the Professional Pilots Group Page. Clements will process your application for the healthcare plan. A response will usually be provided within 5 working days.
FAQ continued
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18. Can we enroll for the GlobalCare® Pilots Health Plan at any time or is enrollment open for a limited time?Once you have been accepted as a member of the Baymac professional Pilots Group you may enroll at any time within the validity period of your membership. Application for GlobalCare may be found at www.baymac.net.
19. My family lives at home but I am an expat. Is my family able to use this plan at home?Yes.
20. If I lose my pilot’s medical or license can I renew the plan?Yes. A valid pilot’s medical and license are required for initial enrollment, however, if you lose your license or medical after being on the plan you are able to renew your policy.
21. If I leave my job or the profession of flying can I remain on the plan?Yes. The plan is designed for you to be able to continue on it if you change your employer or lose your job. You and your family can stay on the plan as long as you remain a member in good standing of the Baymac Professional Pilots Group (abiding by the rules of membership and have paid the annual membership fees) and continue to be actively at work.
22. Is the GlobalCare® Pilots Health Plan a top-up plan, or does it stand alone as a primary plan?The GlobalCare® Pilots Health Plan can work as a primary plan if the member has no other health insurance, and as a secondary/top-up plan if the member has other health insurance coverage such as employer provided insurance or self insured medical plans. Whatever is not covered by the member’s primary may be covered by the GlobalCare® Pilots Health Plan to the coverage limits of the plan. This plan is in excess of any employer or locally required plan.
23. What happens with my plan when I retire?Individual plan options are available for post-retirement. Post-retirement benefits are subject to the laws of your home country.
24. Is the GlobalCare® Pilots Health Plan for expats only?No. Two separate health plans have been designed: one to cover expatriates and another for local nationals. The GlobalCare® Pilots Health Plan covers expatriates working in foreign countries and the families of expatriates who may be at home or abroad.
A separate GlobalCare® Pilots policy for pilots who are local nationals working in their home country is also available under separate terms subject to local laws. Pilots working in their home country who are interested in receiving international cover may obtain details on the Local National policy by contacting Baymac at [email protected]. Additional plans are also available to airline management and staff.
25. Can premiums be paid monthly?Yes. Premiums are in US Dollars and may be paid monthly, quarterly, bi-annually or annually.
26. What is a deductible? Is this per claim or per year?The deductible is the amount each individual must pay on their medical costs before claiming on the policy per calendar year. Some benefits do not require a deductible, e.g. annual check-up.
For example, if there is a claim for USD 2,000, the member would pay either USD 500 or USD 1,000 based on their selection at the time of application, and then claim for the remaining balance. If there is a subsequent claim in the same calendar year for USD 800, then the member can claim the full USD 800.
FAQ continued
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27. How does this coverage compare to other global policies?The Plan ranks as one of the few and best plans available for pilots. It has been designed by pilots for pilots to ensure the needs of pilots and their families are met. The Plan requires no medical tests for pilots up to age 62 and can provide comprehensive global cover for medical, dental, AD&D and offers FREE vision benefits.
The inclusion of such conditions as Hereditary, Congenital and Chronic, which are often excluded in other policies, and the option of elective treatment worldwide (including in the USA and Canada), has made the GlobalCare Pilots Health Plan popular among pilots. 28. When will the policy commence?Once Clements has been advised of approval of your membership of the Baymac Professional Pilots Group and your application for the health plan has been received, your policy will usually be issued within 5 working days.
The effective date of the policy will be the effective date requested by you on application or the date the policy is approved whichever comes last. Your policy document will be emailed along with a copy of the medical card/s and the original card/s will be posted to the address on your application.
29. What US coverage is included?If you have a plan without U.S. coverage, you are covered worldwide excluding the U.S. and its territories.
Benefits will be payable for covered expenses incurred in the U.S., its territories and possessions, but only for incidental emergencies that occur while taking a trip to these countries for reasons other than to secure medical attention. Benefits will not be payable for either pre-existing conditions or aggravation of existing conditions while in these countries.
30. Pre-CertificationCertain benefits under the Baymac GlobalCare® Pilots Health Plan require pre-certification to receive the full benefits under the Plan. This simply means that you must contact the GlobalCare® third party administrator as soon as possible before a planned hospitalization or surgical procedure, within 48 hours of an emergency hospital admission, or within the first 90 days of pregnancy. Pre-certification allows us to establish contact and make payment arrangements with your providers. Pre-certification may be done by logging online through the GlobalCare® website or by calling the phone number on the back of your insurance card.
FAQ continued
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In partnership with:
Baymac is the trade name of Baymac Management Services Ltd., an international aviation management consultancy firm consisting of aviation professionals including international aviation consultants, airline managers and pilots, who specialize in providing turn-key manage-ment solutions for companies and individuals within the aviation industry. Baymac is not an insurance company or broker, nor does Baymac provide insurance, financial or investment advice. These services are provided to members by highly regulated organizations licensed to do so in the relevant jurisdictions. Baymac’s Professional Member Services are only available for paid up members.
Copyright © 2018 Clements Worldwide. All Rights Reserved.
BPGCEX040CL 6/19/19
