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Worldwide Rates: Silver / Gold / Platinum
Rates Excluding US & Canada: Silver / Gold / Platinum
International Health Insurance > International Medical Group
Global Medical Insurance Gold Benefits
Global Medical Insurance offers you the choice of three plan options: Silver, Gold 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®.
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Benefit Description
Subject to deductible and coinsurance unless otherwise noted |
Global Medical Insurance - Gold |
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Coverage Area
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Two options: worldwide or worldwide excluding the U.S. and Canada |
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Policy Maximum
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$5,000,000 lifetime per individual |
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Deductible
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Ranges from $250 to $10,000 per period of coverage, 50% reduction within PPO, Carry forward deductible - last 30 days of certificate year |
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Family
Deductible
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3x the single |
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Coinsurance within the U.S. and Canada
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80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage |
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Coinsurance within the PPO network and
outside the U.S. and Canada
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100% |
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Hospitalization / Room & Board
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Average semi-private room rate |
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Intensive Care
Unit
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Usual, Reasonable and Customary (URC) |
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Surgery
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URC |
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Anesthetist's Charges Associated with
Surgery
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URC |
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Transplants
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$1,000,000 |
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Outpatient
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URC |
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Rx Coverage
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URC |
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Emergency Room Illness
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URC - |
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Emergency Room Accident
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URC |
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Local Ambulance
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URC |
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Emergency
Evacuation
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Limited to policy maximum - not subject to deductible or coinsurance |
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Emergency
Reunion
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$10,000 |
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Return of Mortal Remains
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$25,000 |
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Maternity
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Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for first 12 months - not subject to deductible or coinsurance. Available after 10 months of coverage benefits reduced by 50% for births that occur in11th or 12th month of continuous coverage |
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Supplemental
Accident
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$300
per occurrence |
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Mental/Nervous
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$10,000
per period of coverage |
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Adult Wellness
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$250 per period
of coverage - not subject to deductible or coinsurance |
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Child Wellness
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$200 maximum per
period of coverage -not subject to deductible or coinsurance |
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Other Services
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URC |
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Physical
Therapy
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Maximum $50 per visit |
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High School
Sports Injury
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NA |
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Recreational
SCUBA
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URC |
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Remote
Transportation
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NA |
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Political Evacuation and Repatriation
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NA |
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Complementary Medicine
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Acupuncture $150 |
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Non-emergency
Dental
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NA |
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Emergency Dental due to Accident |
URC |
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Emergency Dental due to Sudden
Unexpected Pain
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$100 per period of coverage |
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Vision
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NA |
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Global Concierge & Assistance Services
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NA |
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Pre-existing
Conditions
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$5,000 per
period of coverage up to a $50,000 lifetime maximum. |
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NA (Not Applicable) / URC (Usual, Reasonable and Customary) / SAAI (Same As Any Illness) |
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