Global Medical insurance is long term medical insurance for people living outside of their country of citizenship. It is designed for non-US citizens to use worldwide, and for US citizens and permanent residents who spend more than six months of the year outside the United States to use worldwide.
The IMG Global Medical Gold plan provides better coverage for inpatient medical expenses and outpatient medical expenses.
|Summary of Benefits|
|Insurance Provider||International Medical Group|
|Plan Type||Global Medical insurance is long term medical insurance for people living outside of their home country.
For all Non-US citizens, and for US citizens and permanent residents who spend more than six months of the year outside the United States.
You select the area of coverage and deductible level to meet your needs.
|Maximum Benefit||$5,000,000 per individual|
|Deductible (Insured pays before insurance pays)||$250, $500, $1,000, $2,500, $5,000, $10,000, $25,000|
|Family Deductible||3 times the individual|
|Coinsurance in US||In-PPO (UnitedHealthcare PPO): Subject to deductible. No coinsurance
Non-PPO: You pay 20% of next $5000 expenses after deductible
|Coinsurance with Concierge||Deductible 50% waived (up to $2500). No coinsurance.|
|Coinsurance outside US||Deductible 50% waived (up to $2500). No coinsurance.|
|Hospital Room & Board||In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private).|
|Intensive Care||URC(Usual Reasonable and Customary)|
|Xray and Lab||URC|
|Mental Health and Substance Abuse||$10,000 per year - $50,000 max, after 12 months of coverage|
|Emergency Room||URC for injury or illness resulting in hospital admission. Additional $250 deductible for illness without hospital admission in US|
|Prescription Drugs||Subject to deductible and coinsurance. 90-day supply per prescription|
|Child Wellness||$200/period, not subject to deductible or coinsurance.|
|Adult Wellness||$250/period, not subject to deductible or coinsurance. Available for those at least 19 years old.|
|Healthy Travel Preventive||$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.|
|Hospital Indemnity||Outside of US only. Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max|
|Medical Evacuation||Up to the maximum benefit, not subject to deductible or coinsurance.|
|Repatriation of remains||$25,000 per insured, not subject to deductible or coinsurance|
|Pre-existing conditions (Illness or Injury)||May have limited coverage after 24 months or be excluded at time of underwriting|
|More Information||Optional riders: Global Term Life Insurance, Terrorism, Sports, Dental, Vision
Rates illustrated below are for annual premium, rates are higher for monthly payment
Freedom to seek treatment with hospital or doctor of your choice
To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays
|Benefit Details||Benefit Details|
Dependent child/children rates are only available when one or two parents are covered. The rates are per child. Children alone (14 days to 18 years old) use the single female 19 year old rate.
Chinese citizens who also are residents of China are not eligible to buy. A child under 19 years old regardless of citizenship is not eligible to buy alone for a Chinese residence.
Premium rates are lower if you select coverage excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan