International Medical Group

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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®.

Benefit Description
Subject to deductible and coinsurance unless otherwise noted

Global Medical Insurance - Gold

Coverage Area

Two options: worldwide or worldwide excluding the U.S. and Canada

Policy Maximum
$5,000,000
lifetime per individual
Deductible

Ranges from $250 to $10,000 per period of coverage, 50% reduction within PPO, Carry forward deductible - last 30 days of certificate year

Family Deductible

3x the single

Coinsurance within 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

Coinsurance within the PPO network and outside the U.S. and Canada

100%

Hospitalization / Room & Board

Average semi-private room rate

Intensive Care Unit

Usual, Reasonable and Customary (URC)

Surgery

URC

Anesthetist's Charges Associated with Surgery

URC

Transplants

$1,000,000
lifetime maximum

Outpatient

URC

Rx Coverage

URC

Emergency Room Illness

URC -
subject to an additional $250 deductible if not admitted

Emergency Room Accident

URC

Local Ambulance

URC

Emergency Evacuation

Limited to policy maximum - not subject to deductible or coinsurance

Emergency Reunion

$10,000
lifetime maximum

Return of Mortal Remains

$25,000
lifetime maximum per insured -not subject to deductible or coinsurance

Maternity

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

Supplemental Accident

$300 per occurrence
not subject to deductible or coinsurance

Mental/Nervous

$10,000 per period of coverage
up to a $50,000 lifetime maximum. Available after 12 months of continuous coverage

Adult Wellness

$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

Child Wellness

$200 maximum per period of coverage -not subject to deductible or coinsurance
Available for children under 18 years of age after 12 months of continuous coverage

Other Services

URC

Physical Therapy

Maximum $50 per visit

High School Sports Injury

NA

Recreational SCUBA

URC

Remote Transportation

NA

Political Evacuation and Repatriation

NA

Complementary Medicine

Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage

Non-emergency Dental

NA

Emergency Dental due to Accident

URC

Emergency Dental due to Sudden Unexpected Pain

$100 per period of coverage

Vision

NA

Global Concierge & Assistance Services

NA

Pre-existing Conditions

$5,000 per period of coverage up to a $50,000 lifetime maximum.
Available after 24 months of continuous coverage

NA (Not Applicable) / URC (Usual, Reasonable and Customary) / SAAI (Same As Any Illness)