Click to verify BBB accreditation and to see a BBB report.

Global Medical Insurance (GMI)

  • Best Long term insurance for all Nationalities.
  • Annually Renewable.
  • Have coverage including and excluding USA & Canada.
  • Four options available: Silver, Gold, Gold Plus, Platinum.
  • Maternity & Rx copay is available in Platinum.
  • Payment modes: Monthly, Quarterly, Semi annually & Annually.

    • Global Medical Insurance (GMI) - Global Medical insurance is a long-term worldwide insurance program for individual and families.  Global Medical Insurance product includes servicing vacationers, those working or living in foreign countries (Abroad), for short or extended period, people traveling frequently between countries, those who maintain countries of residence.  To meet all this needs, we have developed comprehensive range of travel health insurance products with four different plans. SILVER, GOLD PLUS $5,000,000, GOLD & PLATINUM $8,000,000 coverage including Maternity coverage.  Each plan is Unique with their own coverage.  Long term insurance plan offers exclusively 50% discount in deductible if visited in PPO network after that100% coverage in USA.  These plans are administered by International Medical Group, Inc (IMG) and underwritten by Sirius International insurance Corporation.


  • Quote-Apply On-line
  • View a Brochure
  • View an Application
  • View Rates
  • Link to PPO provider
  • Benefits
  • Exclusions
  • View Prescription Discount Card

    •  


    [Return to Top]  
    Benefits:


    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.

    [Return to Top]  

    Exclusions:

    Pre-existing conditions and exclusions
    Exclusions & Limitations*:
    • Adult routine physical examinations are excluded under the Silver plan option, and for the first 12 months for the Gold, Gold Plus and Platinum plan options
    • Out-patient mental and nervous is excluded for the first 12 months on all plan options
    • In-patient mental and nervous is excluded under the Silver plan option and for the first 12 months for the Gold, Gold Plus and Platinum plan options
    • Maternity, newborn and congenital care (unless the maternity rider or Platinum plan option is purchased - see Benefits page by clicking link above) Note: maternity expenses including prenatal, delivery, postnatal, newborn and congenital disorders are excluded when the pregnancy is a result of fertility treatment
    • Organ transplants not specifically listed
    • Devices to correct sight or hearing are excluded under the Silver, Gold and Gold Plus plan options
    • Treatment or supplies not medically necessary
    • Treatment not ordered or received by a physician
    • Treatment by a relative or family member
    • Treatment as a result of war, riot, or terrorism
    • Treatment resulting from illegal activities
    • Organized amateur or professional sports
    • Services and treatment eligible for payment by any government or other insurance
    • Investigational, experimental or research procedures
    • Routine foot care
    • Elective cosmetic or plastic surgery
    • Drug and alcohol abuse treatment
    • Speech therapy
    • Custodial care
    • Weight modification
    • Treatment of impotency
    • Contraceptive medication or treatment
    • Persons HIV+ at effective date