The Meridian Series for Agent

1. The Meridian Series
International Medical Insurance that
is “Going Your Way”

2. Why Would Anyone Need
International Medical Insurance?
• Local Insurance Plans Routinely Do Not Extend Internationally
• Social Medical Programs Are Constrained by Geographic Location
and May Not Offer Desirable Benefits
• Allows the Freedom and Flexibility to Seek Medical Care Anywhere
• Eliminates the Need for Travel Insurance
Existing Schemes Typically Provide No Coverage for:
• Emergency Medical Evacuation
• Repatriation of Remains
• Out of Network Charges
• Access to Private Medical Care Anywhere in the World
• Many, Many More Exposures

3. Who Is Azimuth Risk Solutions, LLC
• Managing General Underwriter for Lloyd’s,
London
• Service-First Culture for Agents and Clients
• Designs, Develops, Administers, Claims
Payment, Client Service, Underwriting on
Behalf of Lloyd’s
• Staff Has 30+ Years Experience in International
Market
• Based in Indianapolis, Indiana, USA

4. Who Is Lloyd’s, London
• Oldest and Largest Insurance Market in the
World
• 320+ Year Record of Paying Every Eligible
Claim Presented
• “A” Rated by A.M. Best and Standard & Poors
• Lead Syndicate for Azimuth Risk Solutions, LLC
is Kiln/Mathers, Plc.

5. Why Sell The Meridian Series?
• Worldwide There Are a Significant Population of High Net
Worth Citizens and Expatriates; This Means Huge
Opportunity
• The Meridian Series Has Three Versions to Capture Market
Share; This Means Flexibility to Place Most Clients
• Meridian Plans Are the Best Value Proposition in the
Market; This Means the Client Will Be Very Satisfied
• Azimuth Risk Solutions Is a Service-First Organization;
Which Means Clients Receive the Personal Attention They
Want and Deserve
• Generous Compensation; This Means Cash in Your Pocket

6. What is the Meridian Series of
International Health Insurance Plans?
• Three Different Versions of the Meridian Series
to Meet Varying Market Segments: Basic,
Enhanced and Clear
• Annually Renewable Major Medical Insurance
with No Medical Questions at Renewal
• Available for Worldwide Cover or Worldwide
Excluding the US/Canada
• Up to $5 Million USD Overall Coverage
• Choice of Annual Deductibles: $250 up to $5000

7. Who Is Eligible?
• Healthy Individuals Who Live Outside the US
and Desire Access to Private Medical Care
• If the Client Applies Before Age 65 and is
Accepted on the Plan, They May Renew
Indefinitely With No Medical Questions at
Time of Renewal
• If the Client Applies After Age 65, They May
Renew Until Their 75th
Birthday

8. How Competitive are the Premiums?
• Let’s take the most expensive option in the
market today:
45 year old male choosing plan “B” (rhymes with
oopa) $1000 in country/$2000 out of country
deductible. Annual premium of $4,606
45 year old male choosing Meridian Enhanced with
$250 deductible is $1,978
Even with 25% renewal increases annually (highly
unlikely) it would take approximately 4 years to
attain the original premium charged by Company
B for a lesser amount of coverage

9. What Is The Difference Between
Meridian Plans?
• Meridian Enhanced – a top tier schedule of
benefits, offering the maximum available limits
• Meridian Basic – a value rich, reduced benefit
schedule at an attractive premium point
• Meridian Clear – the right choice for healthy
individuals who need immediate coverage, or for
those with modestly flawed health histories who
accept restrictions for pre-existing conditions

10. Meridian Enhanced
• $5 Million Maximum
• Choice of $250/500/1000/5000/10,000 deductible
• 100% coverage outside the US or in US PPO
• 90% of 1st
$5000 of expenses after deductible outside US PPO
• In/outpatient care, prescription drugs, repatriation of remains
coverage
• Maternity covered up to $100K after 12 months – with $5000
additional deductible
• $2 Million Organ Transplant benefit
• Higher benefit limits for Emergency Evacuation, Mental Health,
Wellness and Local Ambulance charges
• High value extra benefits, including complementary medicine,
vision care, high school sports injury and option dental and
hazardous sports coverage

11. Meridian Basic
• Robust $2 Million Maximum Limit
• Choice of $250/500/1000/5000/10,000
deductible
• In/outpatient care, emergency evacuation,
repatriation of remains, emergency reunion,
prescription drugs and more
• Organ transplants to $500,000
• Maternity benefits offered as an optional rider

12. Meridian Clear
• $2 Million Maximum Limit
• $500/1000/2500/5000/10,000 deductible
options
• Target market – clients with instant coverage
need and those with modestly flawed health
• Limited benefit plan
• Can be issued INSTANTLY online – only product of
its kind
• Provides coverage for those who might otherwise
find coverage unavailable

13. How Would it Work?
• Instant Online Quoting and Application System
• Real Time Online Transactions via Credit Card
• Electronic Application Submission
• Submitted Applications Sent Directly to
Underwriters’ Desktop for Rapid Review and
Response
• Electronic or Standard Fulfillment Document
Delivery
• Annual Renewals May Be Completed Online

14. Claims Handling
• In the US, MultiPlan Network (
www.multiplan.com) with over 450,000
healthcare providers available
• Outside the US, Precertification Allows
Azimuth to Arrange for Direct Settlement in
Most Instances
• If Claim is Settled by Client, Reimbursement
Within 10 Business Days

15. How to Get Started?
• Clients visit www.yourwebsite.com and Select
“International Health & Travel Insurance” Link
to Submit Applications
• Complete the Agent/Agency Agreement and
Be Able to Sell Products Within One Business
Day

16. Thank You!
Azimuth Risk Solutions Looks Forward to Serving
Your Clients' International Health Insurance
Needs, So Let Us Get Things “Going Your Way”