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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 > IMG > Schedule of Benefits
Global Missionary Medical Insurance
Global Mission Medical Insurance (GMMI) covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per policy period (12 months) with a maximum of three deductibles per family per calendar year. For eligible expenses incurred in the U.S. and Canada: once the deductible is met, GMMI pays 80% of the next US$5000 in eligible expenses then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred outside the U.S. and Canada: once the deductible is met, GMMI will pay 100% of eligible expenses up to the policy maximum.
| MEDICAL INSURANCE | BENEFIT Subject to deductible and coinsurance |
| Coverage Area |
Worldwide |
| Policy Maximum Per Individual | US$5,000,000 lifetime |
|
Hospitalization • Semi-private room and board |
URC |
| Intensive Care Unit
|
URC |
| Surgery • Surgical care • Second surgical opinion • Anesthetics • Physician charges for surgery • Treatment, services and supplies routinely provided |
URC |
| Transplants
Covered only within IMG's PPO Transplant Facilities |
US$1,000,000 lifetime |
| Outpatient • Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided • Prescription medication |
URC |
| Emergency • Surgery or dental treatment following an accident • Emergency room following an accident |
URC |
| Emergency Transportation
by Ground Ambulance |
URC |
| Emergency
Medical Evacuation Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime |
up to policy maximum |
| Repatriation | US$25,000 |
| Supplemental Accident The first $300 will be covered for each accidental injury |
US$300 per occurrence(not subject to the deductible or coinsurance) |
| Maternity • After 12 months of continuous coverage • Pre and Post-natal care • Normal delivery or C-section • Well baby care and treatment of newborn coverage for first 31 days |
US$50,000 lifetime maximum of US$5,000 for normal delivery for each pregnancy lmaximum of US$7,500 for C-Section delivery for each pregnancy |
| Newborns Eligible newborn children may be added without evidence of insurability. • An application must be submitted within 31 days of child's birth |
URC |
| Child Wellness Available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage |
US$50 maximum per visit; US$200 per policy period (not subject to deductible or coinsurance) |
|
Pre-existing Conditions |
US$50,000 lifetime (maximum of US$5,000 per policy period) |
| Mental/Nervous Care
After 12 months of continuous coverage •Inpatient and outpatient care by a licensed psychiatrist |
US$10,000 per period, US$20,000 lifetime |
| Wellness
Females age 30 and over after 12 months on the plan. • Routine physicals • Mammogram, ob/gyn visit, etc. (exams must be separtated by 12 months) Males age 30 and over, after 12 months on the plan • Routine physicals (exams must be separated by 12 months) |
US$250 per period (not subject to deductible or coinsurance) |
| Dental Emergency Necessary treatment of sudden, unexpected pain to sound natural teeth |
US$100 per period of coverage |
| Complimentary Medicine | |
| Acupuncture | US$150 |
| Aroma Therapy | US$50 |
| Herbal Therapy | US$50 |
| Magnetic Therapy | US$75 |
| Massage Therapy | US$150 |
| Vitamin therapy | US$100 |
| Recreational SCUBA Coverage Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body |
URC |
| Other • Chiropractor when referred by a physician • Radiation treatment • Home nursing care • Hospice care • Physical therapy (maximum US$50 per visit) • Prosthetic devices |
URC |