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 Platinum plan provides the best coverage for inpatient medical expenses and outpatient medical expenses including maternity costs.
|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||$8,000,000 per individual|
|Deductible (Insured pays before insurance pays)||$250, $500, $1,000, $2,500, $5,000, $10,000, $25,000|
|Family Deductible||2 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.|
|Maternity Coinsurance||Maternity is covered same as any illness for any maternity related claim with a service date that occurs after 10 months of coverage - $2,500 additional deductible, $50,000 lifetime max. $200 child wellness for the first 12 months. new born care & congenital disorders max of $250,000 for the first 31 days. Maternity related claims with dates of service before 10 months are not covered.
IMG sometimes excludes maternity coverage for dates of conception before 24 months.
|Hospital Room & Board||Private room rate|
|Intensive Care||URC(Usual Reasonable and Customary)|
|Xray and Lab||URC|
|Mental Health and Substance Abuse||$50,000 max, after 12 month 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||Outside the US - 100%
Inside the US - Prescription drug card co-pay:
$20 for generic
$40 for brand name where generic is not available.
90-day supply per prescription
|Vision||Exams-up to $100. Materials-up to $150 per 24 months|
|Child Wellness||$400/period, not subject to deductible or coinsurance.|
|Adult Wellness||$500/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||$50,000 per insured, not subject to deductible or coinsurance|
|Pre-existing conditions (Illness or Injury)||May be covered same as any illness or 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
Platinum is best for those wanting the best coverage or considering having a baby.
|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