CH_ca Posted May 1, 2023 #1 Share Posted May 1, 2023 Hi, I'm thinking of buying HAL's Platinum CPP that has $10,000 Emergency Medical Coverage AND I'll also have my own Medical Travel Insurance (with $0 deductible). My own insurance policy said if I have coverage elsewhere, the other party needs to pay first. But according to the excerpt below, HAL will not pay if my own insurance is $0 deductible. Should I make my own insurance policy $10,000 deductible so that HAL will pay the first $10,000 if I file a claim? I'm so confused. Maybe I misinterpreted the whole thing. 😕 Could someone who knows these insurance terms well give me some guidance? Thanks! Link to comment Share on other sites More sharing options...
Tampa Girl Posted May 1, 2023 #2 Share Posted May 1, 2023 If your own insurance is going to pay 100%, why are you concerned that the CPP should pay anything? Our BCBS pays the entire amount of our medical treatment throughout the world, including on ships, so I have never seen the need to submit the bills, pursuant to the HAL's CPP plan. The only reason that we buy a CPP plan is for CFAR. The only other insurance we carry is med-evac because the CPP plan only allow for $50,000. I don't think that amount would get us back from the Caribbean. We don't need medical insurance and don't buy the CPP for that. Link to comment Share on other sites More sharing options...
CH_ca Posted May 1, 2023 Author #3 Share Posted May 1, 2023 Thanks for your reply. I buy the Platinum CPP for cancellation coverage and other reasons. It seems redundant to have 2 policies to cover the first $10,000 of medical expense. Also, from the wordings of both policies, they will push the responsibility to each other for the 1st $10k claim. If HAL already covers $10k, and if I can increase the deductible of my insurance to $10k, I can save about 30% premium from my own policy. I'd like some advice to see if I'm thinking this wrong. 🙂 Link to comment Share on other sites More sharing options...
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