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Rates: Worldwide Including US & Canada / Worldwide Excluding US & Canada
Rates: Worldwide Including US & Canada / Worldwide Excluding US & Canada
Missionary Medical Insurance > International Medical Group
Compare IMG Missionary Insurance Benefits
| Global Mission Medical Insurance | Global Mission Basic | |
| Coverage area | Worldwide & Worldwide excluding US and Canada | Worldwide & Worldwide excluding US and Canada |
| Policy maximum per individual | US$5,000,000 | US$5,000,000 |
| Hospital room & board | Usual, reasonable, and customary charges | US$600 per day (maximum of 240 consecutive days per covered event) |
| Intensive care unit | Usual, reasonable, and customary charges | US$1,500 per day (maximum of 180 consecutive days per covered event) |
| Inpatient or outpatient surgery | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Anesthetist’s charges associated with surgery | Usual, reasonable, and customary charges | 20% of the surgery benefit payable |
| Lab tests, X-rays, other tests associated with an inpatient covered event | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Transplants | US$1,000,000 lifetime | US$250,000 all inclusive per transplant |
| Outpatient visits or exams | Usual, reasonable, and customary charges | 25 visits, including prenatal and
postnatal care, per insured person per coverage period reimbursed to the
maximum limit as outlined below: Physician – US$70/visit Specialist – US$70/visit Psychiatrist-US$60/visit Chiropractor-US$50/visit Surgical intervention consultation-US$500/visit |
| Outpatient X-rays | Usual, reasonable, and customary charges | US$250 per exam maximum limit |
| Outpatient lab tests | Usual, reasonable, and customary charges | US$300 per exam maximum limit |
| Prescription medication related to a covered event | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Emergency room | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Emergency dental | Usual, reasonable, and customary charges | US$1,000 per coverage period |
| Local ground ambulance | Usual, reasonable, and customary charges | US$1,500 per covered event (not subject to deductible or coinsurance) |
| Emergency medical evacuation | Up to policy maximum; includes Emergency Reunion benefit of US$10,000 lifetime | US$50,000 per coverage period (not subject to deductible or coinsurance) |
| Repatriation | US$25,000 | US$25,000 (not subject to deductible & coinsurance) |
| Supplemental accident | US$300 per occurrence | No coverage |
| Maternity | US$50,000 lifetime (maximum of US$5,000 for normal delivery; US$7,500 for c-section – available after 12 months of coverage | Limited to US$4,000 per pregnancy (not subject to coinsurance – available after 12 months of coverage) |
| Professional services related to inpatient maternity expenses | Included in benefit above | US$200 per day (not subject to coinsurance) |
| Newborns | Usual, reasonable, and customary charges – eligible newborn children may be added without evidence of insurability under certain circumstances | US$15,000 lifetime maximum for the first 30 days after birth – newborns must be medically underwritten |
| Child wellness | US$50 maximum per visit; US$150 maximum per period of coverage (not subject to deductible or coinsurance – available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage) | 3 visits per coverage period (maximum limit of US$70 per visit) |
| Pre-existing conditions | US$50,000 lifetime (maximum of US$5,000 per period of coverage – available after 24 months of continuous coverage) | US$50,000 lifetime (maximum of US$5,000 per period of coverage – available after 24 months of continuous coverage) |
| Mental/nervous care | US$10,000 per period of coverage, US$25,000 lifetime (available after 12 months of continuous coverage – inpatient and outpatient care by a licensed psychiatrist) | Outpatient services covered only as indicated in the “Outpatient visits or exams” section |
| Wellness | US$250 per period of coverage (not subject to deductible or coinsurance – includes routine physicals, mammograms, and ob/gyn visits for those age 35 and over after 12 continuous months of coverage – visits must be separated by at least 12 months) | No coverage available |
| Complementary medicine | Each per period of coverage Acupuncture – US$150 Aroma therapy – US$50 Herbal therapy – US$50 Magnetic therapy-US$75 Massage therapy-US$150 Vitamin therapy-US$100 |
No coverage available |
| Extended care facility services | Usual, reasonable, and customary charges | Limited to the first 30 days of convalescent confinement |
| Home nursing care services | Usual, reasonable, and customary charges | Limited to 30 days per covered event |
| Inpatient hospice care | Usual, reasonable, and customary charges | Limited to 30 days per covered event |
| Chemotherapy & radiation therapy | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Physical therapy | Maximum US$50 per visit | Maximum US$40 per visit (30 visits per coverage period) |
| MRI, CAT scan, endoscopy, echocardiography, gastroscopy, colonoscopy, & cystoscopy | Usual, reasonable, and customary charges | US$600 per exam maximum limit |
| Prosthetic devices | Usual, reasonable, and customary charges | No coverage available |
The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the certificate wording for a complete description, which is available upon request.