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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.


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  • View a Brochure
  • View an Application
  • View Rates
  • Link to PPO provider
  • Benefits
  • Exclusions
  • View Prescription Discount Card

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    Benefits:
    Global Medical Insurance offers you the choice of four plan options: Silver, Gold, Gold Plus and Platinum. You also have the opportunity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada. Simply choose the plan option and coverage area that best fits your needs. Each one offers a full range of benefits suited for individuals and families, provides coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.

    When you select Global Medical Insurance, you receive IMG's commitment to deliver world-class health benefits, medical assistance and Global Peace of Mind®.


    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
    50% waived within PPO network    		 $250 to $10,000
    50% waived within PPO network    		 $250 to $10,000
    50% waived within PPO network    		 $250 to $10,000
    50% waived within PPO network    		 $100 to $10,000
    50% waived within PPO network
    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
    Coinsurance within the PPO network No coinsurance No coinsurance No coinsurance No coinsurance No coinsurance
    Coinsurance outside the U.S. and Canada No coinsurance No coinsurance No coinsurance No coinsurance No coinsurance
    Coinsurance inside the U.S. and Canada 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 90% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage
    Hospitalization / Room & Board $600 per day - 240 day maximum Average semi-private room rate Up to a limit of $2,250 per day Average 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; Physiotherapy - up to $75 per visit, $1,000 max per certificate period $10,000 lifetime maximum 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 $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
    Child Wellness 3 visits per period of coverage - $70 maximum per period - Available after 12 months of continuous coverage $200 maximum per period of coverage - Available after 12 months of continuous coverage $200 maximum per period of coverage - Available after 12 months of continuous coverage $200 maximum per period of coverage - Available after 12 months of continuous coverage $400 maximum per period of coverage - 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
    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
    Rx Coverage URC URC $5,000 per certificate period for each insured person, out-patient only URC Outside U.S. - URC
    Inside U.S. - Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available
    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 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% Ortho 0%
    (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
    Global Concierge & Assistance Services NA NA NA NA Included
    Pre-existing Conditions $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage SAAI
    Maternity
    Delivery, wellness, new born care & congenital disorders (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.

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    Exclusions:

    Pre-existing conditions and exclusions
    Flexible Underwriting


    Global Medical Insurance provides flexible underwriting methods to extend coverage to you. Your application may be underwritten by Standard Underwriting or the Flexible Underwriting Option.


    Standard Underwriting - All disclosed medical conditions which have not been specifically excluded or restricted by a rider, will be covered after coverage has been in effect for 24 continuous months (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. 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 or 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: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or 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 Option - Where you may have otherwise been declined for coverage, the Flexible Underwriting Option allows us to extend coverage to you. After 24 months of continuous coverage, a pre-existing condition which has not been specially excluded by a rider will be covered the same 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, then the 24 month period starts over from the treatment date. Treatment includes: 1) Consulted any physician for Medical Treatment or Advice (other than routine check-ups); or 2) Taken medication (including prescription drugs, special diets or injections).


    Other Exclusions and 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 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 disorders (unless the maternity rider or Platinum plan option is purchased)
    • Maternity expenses (including prenatal, delivery, postnatal, newborn and congenital care) when the pregnancy is a result of Invitro
    • 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 or riot
    • 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