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Major
Medical Coverage for ExPats |
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Global Medical
A long-term, annually renewable, U.S.-style major medical
insurance plan. Global Medical Insurance offers two areas
of coverage to non-U.S. citizens and to U.S. expatriates who
want a quality medical insurance plan that will respond to
their medical needs anywhere in the world. The two areas of
coverage are for people needing coverage worldwide or
worldwide excluding U.S./Canada. |
Major Medical
Coverage
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Global Medical
Brochure
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| Coverages |
Global Medical |
Who is ELIGIBLE for Global Medical |
Accident & Sickness
Medical
Routine physical
exams and vaccinations are
not
covered |
Bronze: $1,000,000
Silver: $5,000,000
Gold: $5,000,000
Platinum: $8,000,000 |
- Coverage for
individuals or families living or working abroad
- Contract employees
living and working abroad
- Seniors with dual
residencies six months or longer outside the U.S.
Being a global citizen can be an exciting experience, but it also
comes with potential complications. Your health care while traveling
should not be one of those concerns. With Global Medical Insurance,
a revolutionary program from International Medical Group® (IMG®),
you will receive the worldwide medical coverage you need, backed by
the world-class services you expect.
Global Medical Insurance allows you to choose from several plan
options, customize your length and area of coverage and select from
multiple deductibles and modes of payment. With your medical history
in mind, the program provides different underwriting methods to
extend medical coverage to you that may be declined by other
companies.
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| Deductible |
Bronze: $250 to $10,000
Silver: $250 to $10,000
Gold: $250 to
$25,000
Platinum: $100 to $25,000 |
| Co-insurance |
In Network -
Subject to deductible. No coinsurance.
Out-of-Network -
Subject to deductible. Plan pays 80% of the next $5,000 of eligible
expenses, then 100% to the overall maximum per period of coverage. |
| Medical
Lifetime Maximum |
Bronze: $1,000,000
Silver: $5,000,000
Gold: $5,000,000
Platinum: $8,000,000 |
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Prescription |
Subject to deductible and coinsurance.
Available for 90 days following related inpatient treatment or
outpatient surgery.
$600 maximum limit per event (includes
dressings and durable medical equipment)
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Pre-existing
Condition
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Bronze: Not covered
Silver: $50,000
lifetime maximum; $5,000 per period of coverage for unknown
conditions.
Available after 24
months of continuous coverage. Will be covered same as any other
illness as of the effective date if proof of creditable coverage is
provided and accepted.
Gold: $50,000 lifetime maximum; $5,000 per
period of coverage for unknown conditions. Available
after 24 months of continuous coverage. Will be covered same as any
other illness as of the effective date if proof of creditable
coverage is provided and accepted.
Platinum: $100 to $25,000 |
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|
Adult Preventive Care |
Bronze: No Coverage
Silver: No Coverage
Gold: $250 per period
of coverage - not subject to deductible or coinsurance.
Platinum:
$500 per period of coverage - not subject to deductible or
coinsurance. |
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Child Preventive Care |
Bronze: No Coverage
Silver: $70 maximum per visit. Maximum 3
visits per period of coverage
Gold: $200 maximum per period of
coverage - no subject to deductible or coinsurance
Platinum: $500
maximum per period of coverage - not subject to deductible or
coinsurance |
| Emergency Medical
Evacuation |
Bronze: $50,000
Silver: $50,000
Gold: Up to Maximum Limit
Platinum: Up to Maximum Limit |
| Repatriation of mortal
remains |
Bronze: $10,000
Silver: $25,000
Gold: $25,000
Platinum:
$50,000 |
| Maternity coverage |
Only Available through the Platinum Plan:
$2,500 additional deductible per pregnancy.
$50,000 lifetime
maximum. $200 newborn preventative care benefit for the first 31
days – 12 months after birth.
$250,000 maximum for newborn care &
congenital disorders for the first 31 days after birth
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Mental Health |
Bronze: No Coverage
Silver: Outpatient coverage
after 12 months
Gold: $10,000 per maximum period of
coverage. Lifetime Maximum $50,000. Available after 12
month continuous coverage
Platinum: `00% |
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| Political
Evacuation |
Platinum
Only - $10,000 |
| Traumatic Dental
Injury Coverage |
Bronze: $1,000
Silver: $1,000
Gold: Up to
the lifetime maximum
Platinum: Up to the lifetime maximum |
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Dental Unexpected Pain |
Bronze: No coverage
Silver: No coverage
Gold:
$100 per period of coverage
Platinum: Up to the lifetime
maximum |
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