Long-term comprehensive medical plan for individuals and families
Flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide.
Highlights:
- Flexible, comprehensive medical coverage
- Coverage for individuals and families
- Four unique plan designs - Silver, Gold, Gold Plus and Platinum
- Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Sports
- Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
- Select from multiple deductible options
- Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
- Choose from several payment modes
- Multiple underwriting options to fit your needs
- Freedom to choose your provider
- Access to two extensive provider networks
- Emergency Medical Evacuation and other evacuation benefits
- Medical Concierge Program
- Medical professionals to coordinate your care
- 24 hour access to information
Who the plan is designed for:
- Coverage for individuals or families living or working abroad
- Contract employees living and working abroad
- Seniors with dual residencies six months or longer outside the U.S.
Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications. Your health care while abroad should not be one of those concerns. Global Medical Insurance is a revolutionary program from IMG that offers the flexible worldwide coverage you need, backed by the world-class services you expect. Unlike other health care programs on the market, Global Medical Insurance allows you to custom build a plan that is specifically tailored for you.
Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from an assortment of unique benefit options. From the scheduled benefits of the Silver plan option to the benefit-rich Platinum plan option, there are a large variety of specialized coverages to meet any need. To accommodate your financial means, you can customize your length and area of coverage with the flexibility to select from multiple deductibles and modes of payment. With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.
Additionally, the program provides world-class services. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment''''s notice, and our extensive global provider networks are quickly and easily accessible. You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. You can also efficiently save time managing routine areas of your account by utilizing our secure, online service tools. In addition, IMG is available for service at your convenience - via phone, email or Live Chat.
You need to know that you have the proper worldwide coverage. When you select Global Medical Insurance, you receive IMG''''s commitment to deliver exceptional health benefits, medical assistance and service - all designed to give you Global Peace of Mind®.
Coverage Area Options/Budget:
Two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
- You have the opportunity to select the coverage area that best reflects your geographic area of need. Each provides full coverage, but premiums reflect the cost of care in different parts of the world. Regardless of the coverage area you choose, you maintain the freedom to choose your own provider.
Multiple deductible options
- To accommodate your financial resources, you can select from seven different deductible options - all providing different premium levels. Additionally, your deductible can be reduced up to 50% to a $2,500 maximum.
No additional cost for children
- No matter the plan option or coverage area you choose, if you are a family, the family premium covers the first two children between 14 days and 9 years at no additional cost for the first year (see Additional Coverage Information). This is a valuable savings for any budget.
Four premium modes
- Schedule the frequency of payment that meets your means.
- Annual
- Semi-annual
- Quarterly
- Monthly
Option Riders:
Global Medical Insurance is designed to protect individuals and families from the high cost of medical expenses. In addition to tailored benefits packages, the program offers several optional coverages. You may review and choose any from the following list that meet your needs.
Global Term Life Insurance (Including AD7/D)
Provides protection for families following a traumatic loss. Includes Accidental Death and Dismemberment (AD&D) coverage at no additional cost. AD&D is paid in addition to any amount paid by Global Term Life Insurance and can double the amount of the benefit.
Those approved for the plan and under age 70 are automatically eligible for Global Term Life Insurance at the time of application. Global Term Life Insurance is an optional program purchased in units. The number of units applicants may purchase is based upon their age at the time of application and each subsequent renewal. Applicants from age 31 days through 18 years and from 65 through age 69 are eligible for one unit of coverage. Applicants from age 19 through age 64 are eligible for two units of coverage.
Global Daily Indemnity:
Will pay the benefit amount directly to you for each required overnight stay in a hospital. The hospital stay must be eligible for coverage under your plan. Hospital stays related to maternity are not eligible.
Optional Maternity Rider
Available on Silver, Gold and Gold Plus plans only
- $50,000 lifetime maximum
- Maximum of $5,000 for normal delivery for each pregnancy - not subject to deductible or coinsurance
- Maximum of $7,500 for C-section delivery for each pregnancy - not subject to deductible or coinsurance
- Newborn covered for the first 31 days only without additional premium
- $200 child wellness benefit for the first 12 months
- Newborn care and congenital disorders maximum of $250,000 for the first 31 days
- Must be selected at time of initial purchase of plan
- Benefits available after 10 months of continuous coverage
- Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
- Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage
Terrorism Rider:
Available on the Platinum plan only
If an insured person is injured as a result of an act of Terrorism*, and the insured person has no direct or indirect participation in the act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum.
This benefit does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person''''s arrival date, and the insured person unreasonably fails or refuses to depart the country or location.
* For limitations and the definition of Terrorism, please see the Certificate Wording.
Sports Rider:
Available on the Platinum plan only
Provides up to $25,000 of lifetime coverage for adventure sports such as mountaineering, parachuting, and whitewater rafting (refer to Certificate Wording for a comprehensive list). Also provides up to $10,000 of lifetime coverage for amateur sports when not engaged for wage, reward, or profit including contact sports such as soccer and hockey.
Flexible Underwriting:
The plan provides flexible underwriting methods to extend coverage to you. Your application may be underwritten by Standard Underwriting or the Flexible Underwriting Rider.
Standard Issuance -
There are two levels of underwriting when all medical conditions have been disclosed and they have not been specifically excluded or restricted by a rider (subject to the foregoing limits and the other terms of the plan*).
The Silver, Gold and Gold Plus plan options provide a $50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of $5,000 per period of coverage after coverage has been in effect for 24 continuous months. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period of continuous coverage.
The following illnesses which exist, manifest themselves, are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of coverage described above: acne, asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall bladder or gall stones and kidney stones, any condition of the breast, and any condition of the prostate.
On the Platinum plan option , conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same as any illness. Conditions, including any complications therefrom, that are not fully disclosed on the application will not be covered.
Flexible Underwriting Rider - Where you may have otherwise been declined for coverage, the Flexible Underwriting Rider allows us to extend coverage to you. After 24 months of continuous coverage, a disclosed pre-existing condition which has not been specifically excluded by a rider will be covered as any other pre-existing condition so long as in that 24 month period no treatment has been received for that condition. If treatment has been sought or should have been sought, then the 24 month period starts over from the treatment date.
| Benefit Description
| Silver
| Gold
(1st 36 months of continuous coverage)
| Gold
(Beginning the 1st day of the 37th month)
| Gold Plus
| Platinum
|
| Lifetime Maximum Limit
| $5,000,000
lifetime per individual |
$5,000,000
lifetime per individual |
$5,000,000
lifetime per individual |
$5,000,000
lifetime per individual |
$8,000,000
lifetime per individual |
Deductible
(Per Period of Coverage)
| $250 to $10,000
|
$250 to $10,000
|
$250 to $10,000
|
$250 to $10,000
|
$100 to $10,000
|
| Family Deductible
| Three times the individual deductible |
Three times the individual deductible |
Three times the individual deductible |
Three times the individual deductible |
Two times the individual deductible |
| Treatment outside the U.S. and Canada
| Subject to deductible
No coinsurance |
Subject to deductible
No coinsurance |
Subject to deductible
No coinsurance |
Subject to deductible
No coinsurance |
Subject to deductible
No coinsurance |
Treatment inside the U.S.
(Out-patient/In-patient Emergency)
| PPO Network - deductible 50% waived (to a $2,500 maximum).
No coinsurance |
PPO Network - deductible 50% waived (to a $2,500 maximum).
No coinsurance |
PPO Network - deductible 50% waived (to a $2,500 maximum).
No coinsurance |
PPO Network - deductible 50% waived (to a $2,500 maximum).
No coinsurance |
PPO Network - deductible 50% waived (to a $2,500 maximum).
No coinsurance |
Treatment inside the U.S.
(In-patient Non-Emergency)
| Medical Concierge - deductible 50% waived (to a $2,500 maximum).
No coinsurance.
PPO Network - subject to deductible.
No coinsurance. |
Medical Concierge - deductible 50% waived (to a $2,500 maximum).
No coinsurance.
PPO Network - subject to deductible.
No coinsurance. |
Medical Concierge - deductible 50% waived (to a $2,500 maximum).
No coinsurance.
PPO Network - subject to deductible.
No coinsurance. |
Medical Concierge - deductible 50% waived (to a $2,500 maximum).
No coinsurance.
PPO Network - subject to deductible.
No coinsurance. |
Medical Concierge - deductible 50% waived (to a $2,500 maximum).
No coinsurance.
PPO Network - subject to deductible.
No coinsurance. |
Treatment inside the U.S.
Non-PPO Network and Canada
| Subject to deductible
Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage |
Subject to deductible
Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage |
Subject to deductible
Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage |
Subject to deductible
Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage |
Subject to deductible
Plan pays 90% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage |
| Hospitalization / Room & Board
| In U.S./Canada – URC of average semiprivate room rate. Outside of U.S./Canada - URC of private room rate (not to exceed 150% of semi-private room rate)
All subject to $600 per day - 240 day max. |
In U.S./Canada – URC of average semiprivate room rate. Outside of U.S./Canada - URC of private room rate (not to exceed 150% of semi-private room rate) |
Up to a limit of $2,250 per day |
In U.S./Canada – URC of average semiprivate room rate. Outside of U.S./Canada - URC of private room rate (not to exceed 150% of semi-private room rate) |
Private room rate |
| Intensive Care Unit
| $1,500 per day - 180 day per event |
URC |
Up to a limit of $4,500 per day |
URC |
URC |
| Surgery
| URC |
URC |
URC |
URC |
URC |
| Anesthetist''''s Charges Associated with Surgery
| 20% of surgery benefit |
URC |
20% of surgery benefit |
URC |
URC |
| Transplants
| $250,000
per transplant |
$1,000,000
lifetime maximum |
$500,000
lifetime maximum |
$1,000,000
lifetime maximum |
$2,000,000
lifetime maximum |
| Out-patient
| 25 visits: $70 doctor/specialist; $60 psychiatrist; $50 chiropractor; $250 X-ray
per exam maximum limit; $500 surgery intervention consultation; $300 lab tests per exam maximum limit |
URC |
Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted;
Urgent Care Facility - $25 copay; Diagnostic Lab and X-Rays limited to $5,000 per certificate period |
URC |
URC |
Emergency Room Illness
(Additional $250 deductible if not admitted)
| URC |
URC |
URC |
URC |
URC |
| Emergency Room Accident
| URC |
URC |
URC |
URC |
URC |
| Supplemental Accident
| NA |
$300
per occurrence |
$300
per occurrence |
$300
per occurrence |
$500
per occurrence |
| Local Ambulance
| $1,500
per covered event - not subject to deductible or coinsurance |
URC |
$100 per event - not subject to deductible or coinsurance |
URC |
URC |
| Mental/Nervous
| Outpatient only after 12 months of continuous coverage |
$10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage |
$2,500 maximum per certificate period; In-patient limited to 25 days per certificate period; Out-patient limited to
max of 20 visits per certificate period at 70% eligible expenses, up to $75 maximum per visit; Lifetime maximum of $30,000 |
$10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage |
SAAI - $50,000 lifetime maximum - Available after 12 months of continuous coverage |
| Emergency Evacuation
| $50,000
per period of coverage - not subject to deductible or coinsurance |
Up to maximum limit - not subject to deductible or coinsurance |
$250,000 limit per person per certificate period |
Up to maximum limit - not subject to deductible or coinsurance |
Up to maximum limit - not subject to deductible or coinsurance |
| Emergency Reunion
| NA |
$10,000 lifetime maximum |
$10,000 lifetime maximum |
$10,000 lifetime maximum |
$10,000 lifetime maximum |
| Return of Mortal Remains
| $25,000
lifetime maximum per insured - not subject to deductible or coinsurance |
$25,000
lifetime maximum per insured - not subject to deductible or coinsurance |
$15,000
lifetime maximum per insured - not subject to deductible or coinsurance |
$25,000
lifetime maximum per insured - not subject to deductible or coinsurance |
$50,000
lifetime maximum per insured - not subject to deductible or coinsurance |
| Remote Transportation
| NA |
NA |
NA |
NA |
Limited to $5,000 per certificate period up to a $20,000 lifetime maximum |
| Political Evacuation and Repatriation
| NA |
NA |
NA |
NA |
Limited to $10,000 lifetime maximum |
| Child Wellness(Under 18 years of age)
| 3 visits per period of coverage - $70 maximum per period - Available after 12 months of continuous coverage |
$200 maximum per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage |
$200 maximum per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage |
$200 maximum per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage |
$400 maximum per period of coverage - not subject to deductible or coinsurance. Available after 6 months of continuous coverage |
| Adult Wellness
| NA |
$250 per period of coverage - not subject to deductible or coinsurance - Available
for those 30 years of age and over after 12 months of continuous coverage |
$250 per period of coverage - not subject to deductible or coinsurance - Available
for those 30 years of age and over after 12 months of continuous coverage |
$250 per period of coverage - not subject to deductible or coinsurance - Available
for those 30 years of age and over after 12 months of continuous coverage |
$500 per period of coverage - not subject to deductible or coinsurance - Available
for those 18 years of age and over after 6 months of continuous coverage |
| Rx Coverage
| URC |
URC |
$5,000 per certificate period for each insured person, out-patient only |
URC |
Outside U.S. -
Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available
(Certain monthly per prescription amount limits may apply and require pre-approval by the Company.) |
| Other Services
| Extended care: first 30 days; Radiation: URC; Home nursing: 30 days per covered event; Hospice: 30 days; Prosthetic Devices: all URC |
URC |
URC - Radiation & Chemotherapy treatments (in and out-patient) limited to $10,000 per year; $50,000 lifetime maximum |
URC |
URC |
| Physical Therapy
| Maximum $40 per visit - 30 visit maximum |
Maximum $50 per visit |
Maximum $50 per visit- $1,000 max per certificate period. $10,000 lifetime maximum |
Maximum $50 per visit |
Maximum $50 per visit |
| Complementary Medicine
| NA |
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage |
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage |
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage |
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage |
| Recreational SCUBA
| NA |
URC |
URC |
URC |
URC |
| Non-emergency Dental
| NA |
NA |
NA |
NA |
Calendar year maximum - $750
Individual deductible - $50
Schedule of benefits -
Class I: 90%
Class II: 70%
Class III: 50%
(6 month waiting period) |
| Emergency Dental due to Accident
| $1,000 per period of coverage |
URC |
$500 per period |
URC |
URC |
| Emergency Dental due to Sudden Unexpected Pain
| NA |
$100 per period of coverage |
$100 per period of coverage |
$100 per period of coverage |
See non-emergency dental benefits |
| High School Sports Injury
| NA |
NA |
NA |
NA |
Up to $20,000 per certificate period |
| Vision
| NA |
NA |
NA |
NA |
Exams - up to $100 Materials - up to $150 per 24 months |
Maternity
Delivery, wellness, new born care &
congenital disorders, Family Matters
Maternity Program (*not subject to
deductible or coinsurance - available
after 10 months of coverage)
| Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for
normal delivery, $7,500 for C-section, $200 child wellness benefit for the first
12 months, new born care & congenital disorders maximum of $250,000 for the first
31 days (Benefits reduced by 50% for births in that occur in
the 11th or 12th month of continuous coverage) |
Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for
normal delivery, $7,500 for C-section, $200 child wellness benefit for the first
12 months, new born care & congenital disorders maximum of $250,000 for the first
31 days (Benefits reduced by 50% for births in that occur in
the 11th or 12th month of continuous coverage) |
Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for
normal delivery, $7,500 for C-section, $200 child wellness benefit for the first
12 months, new born care & congenital disorders maximum of $250,000 for the first
31 days (Benefits reduced by 50% for births in that occur in
the 11th or 12th month of continuous coverage) |
Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for
normal delivery, $7,500 for C-section, $200 child wellness benefit for the first
12 months, new born care & congenital disorders maximum of $250,000 for the first
31 days (Benefits reduced by 50% for births in that occur in
the 11th or 12th month of continuous coverage) |
SAAI - $1,000 additional deductible, $50,000 lifetime maximum, $200 child wellness
benefit for the first 12 months, new born care & congenital illness maximum of $250,000
for the first 31 days |
| NA (Not Applicable) / URC (Usual, Reasonable and Customary) / SAAI (Same As Any Illness) |
This Web page contains only a consolidated and summary description of all current benefits, conditions,
limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit.
IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired,
is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request. |
Global Medical Insurance is a surplus lines product underwritten by Sirius International Insurance Corporation (publ) (the Company). It is distributed, managed and administered, as agent for and on behalf of the Company, by International Medical Group
, Inc. (IMG
