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Coverage is the maximum amount the provider will pay in the event of a claim. For example, if your coverage is $50,000USD and you make an eligible claim for $60,000USD, you will be responsible for the remaining balance of $10,000USD. Generally speaking, the premium cost and coverage limit will increase and decrease in tandem, so it really comes down to what works best for you. If you are willing to pay a higher premium upfront and forgo the responsibility of an exorbitant claim balance, you should increase your coverage. If you are primarily concerned with major medical emergencies, it’s recommended to take a high medical maximum limit.


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