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Global Medical Insurance® for International Travel
- Who: Available for US citizens as well non US citizens needing annual worldwide coverage. Ideal for individuals and families, students, executives, expatriates seeking international coverage.
- What: Provides inpatient as well as out-patient medical coverage for illnesses and injuries. Includes doctor visits, hospitalization, preventative care, pre-existing conditions (waiting periods may apply), prescription medication, emergency medical evacuation, repatriation, maternity and more.
- Where: You can choose the coverage area to include worldwide or worldwide excluding U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Why is Global Medical Insurance® Good for Visitors?
Global Medical Insurance offers affordable annual coverage with multiple plan options and payment modes to fit your budget. You can choose the coverage area to include worldwide or worldwide excluding U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. You can select your health care provider wherever you are in the world. The plan offers 4 coverage options: Bronze, Silver, Gold, Platinum. Assistance services for Evacuations, Return of Mortal Remains, Emergency Reunion, and more. Based on the choice of Plan, Preventative Care or wellness benefits are available with no waiting periods.
If you travel internationally and if you are expatriates, international executives, diplomats, students, entertainers, and other international travelers you can consider the Global Medical Insurance.
Plan Benefits: Coverage for in-patient and out-patient medical accidents & illness up to $8 million based on the plan you choose. Benefits include coverage for ER visits, Mental/Nervous coverage, Maternity, Physical Therapy, Prescription Drugs, Preventative Care Evacuation, Repatriation of Remains, and more. Choice of deductibles from $250 to $10,000
Pre-existing: The Silver and Gold plans cover up to $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions after 24 months of continuous coverage. There is no pre-existing condition coverage on the Bronze plan. On the Platinum plan, pre-existing conditions are covered for visitors if disclosed on the application and not excluded by riders
PPO Hospital Network: In the US, if you choose to use a Provider (doctor or hospital) within the plan’s PPO- United Health , the deductible will be reduced by 50% and the co-insurance will be waived. Outside the US, you are free to go to any provider, however, you can also access the database of International Providers
Special Feature 1: Preventative Care and Deductible Carry Forward.
Special Feature 2: Optional riders for Global Term Life Insurance, Accidental Death and Dismemberment., Dental Insurance and Vision, Terrorism Rider on the Platinum Plan, and Sport Rider for the Gold and Platinum plans
Special Feature 3: Maternity /Pregnancy coverage on the Platinum Plan
What Coverage and Benefits are offered by Global Medical Insurance®?
Global Medical Insurance provides annual coverage from ages 14 days to 74 years with 4 coverage options: Bronze, Silver, Gold, Platinum. The plan provides two choices of coverage area: Worldwide or worldwide excluding U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. You can select your health care provider wherever you are in the world Teladoc, provide you with professional medical counsel for diagnosis, treatment, and prescriptions.
For a detailed description of the benefits, you can review the Brochure.
Global Medical Insurance Coverage Highlights:
- Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families
- Annually renewable medical coverage
- Deductible options from $100 to $25,000
- Maximum limit options from $1,000,000 to $8,000,000
- Coverage for hospital room & board, Intensive care unit, Inpatient or outpatient, Surgery, Laboratory tests, X-rays, Local ground ambulance, Well adult and well childcare and more
- Pre-existing Conditions Waiver is available for individuals with proof of comprehensive health insurance and no significant break in coverage (63 days)
- Emergency medical evacuation
- Emergency dental due to an accident
- Maternity Pregnancy (waiting period may exist)
- Outpatient visits
Benefits of Global Medical Insurance® Plan – Bronze
| Benefit | Coverage Amount up to 69 years | Coverage Amount above 69 years |
|---|---|---|
| In-patient Hospital | $1,000,000 | $1,000,000 |
| Out-patient Clinic | $1,000,000 | $1,000,000 |
| Doctor Visit | $1,000,000 | $1,000,000 |
| Prescription Drugs | $1,000,000 | $1,000,000 |
Benefits of Global Medical Insurance® Plan – Silver & Gold
| Benefit | Coverage Amount up to 69 years | Coverage Amount above 69 years |
|---|---|---|
| In-patient Hospital | $5,000,000 | $5,000,000 |
| Out-patient Clinic | $5,000,000 | $5,000,000 |
| Doctor Visit | $5,000,000 | $5,000,000 |
| Prescription Drugs | $5,000,000 | $5,000,000 |
Benefits of Global Medical Insurance® Plan- Platinum
| Benefit | Coverage Amount up to 69 years | Coverage Amount above 69 years |
|---|---|---|
| In-patient Hospital | $8,000,000 | $8,000,000 |
| Out-patient Clinic | $8,000,000 | $8,000,000 |
| Doctor Visit | $8,000,000 | $8,000,000 |
| Prescription Drugs | $8,000,000 | $8,000,000 |
What is The Price or Cost of Global Medical Insurance®?
The pricing is dependent on the following factors: The Global Medical plan is an annual plan. The premium payment mode selected, your age along with the plan option, and the deductible amount selected will determine your premium or cost that you will pay.
Plan Limit: You can select from 4 plan options. The Bronze plan offers coverage of $1,000,000 while the Silver and Gold offers $5,000,000. The most comprehensive is the Platinum Plan with $8,000,000. You have a choice of the deductible from $100 to $25,000 based on the plan you select.
Age: Persons from ages of 14 days to 74 years may apply for coverage. Persons 75 years of age and older are not eligible for coverage.
Payment Mode: Global Medical Insurance is an annual plan with payment modes of Monthly, Quarterly, Semi-Annually, and Annually. The annual mode is the most cost-effective.
Optional Coverage Benefits Riders: Optional riders include Global Term Life Insurance, AD&D, Terrorism, Sports, Dental & Vision.
Global Medical Insurance Plan Price Table
| Age(Excl US) | Silver | Gold |
|---|---|---|
| From 40 to 49 years | $1,686 | $2,916 |
| From 50 to 59 years | $1,909 | $6,194 |
| From 60 to 64 years | $3,298 | $8,809 |
| From 65 to 69 years | $7,892 | $20,497 |
| Age(Worldwide) | Silver | Gold |
|---|---|---|
| From 40 to 44 years | $2,220 | $3,851 |
| From 50 to 54 years | $2,516 | $8,221 |
| From 60 to 64 years | $4,365 | $11,706 |
| From 65 to 69 years | $10,492 | $27,291 |
FAQ: How does Global Medical Insurance® Plan work?
Global Medical Insurance is available to individuals and families of all nationalities. U.S. Citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least six of the next 12 months. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the United States. Persons between the ages of 14 days and 74 years old may apply for coverage. Persons older than 74 years of age are not eligible for fresh coverage (unless they have been continuously covered under the plan till age 74).
To apply for the Global Medical Insurance, simply complete and return the application. If you are applying as a family, you may include yourself, your spouse, and dependents on one application. If you have dependents who are 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for coverage.
If approved you will receive a fulfillment kit which includes an identification card, declaration of insurance, and Certificate Wording containing a complete description of benefits, exclusions, and terms of the plan. If your application is not approved, you will receive a full refund of the premium you have paid.
If the Underwriters need additional information to evaluate your application. an email will be sent to you requesting more details.
The Silver and Gold plans cover up to $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions after 24 months of continuous coverage. There is no pre-existing condition coverage on the Bronze plan. On the Platinum plan, pre-existing conditions are covered for visitors if disclosed on the application and not excluded by riders.
Pre-existing Conditions Waiver is available for individuals with proof of comprehensive health insurance and no significant break in coverage (63 days)
An optional rider can be purchased with Gold and Platinum options to cover amateur sports and adventure sports.
Amateur Athletic are covered up to $ 10,000-lifetime maximum
Coverage for Adventure Sports:
Through age 49 years: $50,000 lifetime maximum
Age 50 years through age 59 years: $ 30,000-lifetime maximum
Age 60 years through age 64 years: $15,000 lifetime maximum
In the US, if you choose to use a Provider (doctor or hospital) within the plan’s PPO- United Health , the deductible will be reduced by 50% and the co-insurance will be waived.
Outside the US, you are free to go to any provider, however, you can also access the database of International Providers
The application will need the name, date of birth, your home country address, and email address to send the insurance documents.
As the application goes through Underwriting, details on all the medical history will have to be correctly answered. A list of prescription drugs if any will have to be submitted.
A valid credit card will be required to complete the purchase.
If approved you will receive a fulfillment kit which includes an identification card, declaration of insurance, and Certificate Wording containing a complete description of benefits, exclusions, and terms of the plan.
Prior to the end of each period of coverage (12 months), you will receive an email stating that the plan will be renewed unless you confirm otherwise. You must continue to meet the eligibility requirements for renewing coverage.
Once you are accepted into the plan, you have a 15-day free look period to review the coverage. If during that 15-day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and full refund of your premium
It is a good practice to keep a copy of the entire claims documents with you before you submit a claim for processing
- Download and complete the Claims Form
- Attach copies of all the pages of the passport
- Attach any itemized bills or receipts if money was paid out of pocket for services
- Submit the above within the stipulated time of 90 days after seeing the provider
- Follow up on your claim by calling 800.628.4664 or emailing insurance@imglobal.com
Claims mailing address:
International Medical Group, Inc.
Attn: Claims Department
PO Box 9162
Farmington Hills, MI 48333
Phone: 1.800.628.4664
Email: insurance@imglobal.com
Global Medical Insurance is underwritten by Sirius International Insurance Corporation.