Global Medical Insurance

  • Best Suitable for: Individuals and families of any nationalty
  • Eligibility:
    • It is offered to the persons between the age of 14 days and 74 years old may apply for coverage
    • Persons 75 years of age and older are not eligible
  • Global Medical Plan offers pre-existing conditions coverage
  • Underwriter: Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company
  • Administrator: International Medical Group
Related links
  • Brochure
  • Claims
  • What's good?

Plan Highlights

Policy Maximum
  • Plan offers :
    Bronze-US$ 1,000,000
    Silver - US$ 5,000,000
    Gold, Gold Plus - US$ 5,000,000
    Platinum - US$ 8,000,000
Deductible
  • Per period of coverage:
    Bronze -US$250 to $10,000
    Silver -US$250 to $10,000
    Gold ,Gold Plus - US$250 to $25,000
    Platinum - US$100 to $25,000
Co-insurance
  • Treatment Outside the U.S. and Canada: Bronze, Silver, Gold, Gold Plus, Platinum - 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
  • Treatment Inside the U.S. (using Medical Concierge):
    • Bronze, Silver, Gold, Gold Plus, Platinum - 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
  • Treatment Inside the U.S. (PPO Network): Bronze, Silver, Gold, Gold Plus, Platinum - Subject to deductible. No coinsurance.
  • Treatment Inside the U.S. (Non PPO Network):
    • Bronze, Silver, Gold, Gold Plus - Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

Coverage

Hospitalization/Room & Board

  • Bronze: In US- 100% of average semi-private room rate.
    Outside of US- 100% of private room rate (not to exceed 150% of semi-private room rate)
  • Silver: In US- 100% of average semi-private room rate.
    Outside of US- 100% of private room rate (not to exceed 150% of semi-private room rate). All subject to $600 per day - 240 day max.
  • Gold (1st 36 months): In US- 100% of average semi-private room rate.
    Outside of US- 100% of private room rate (not to exceed 150% of semi-private room rate)
  • Gold (Beginning 1st day of 37th month): Up to a limit of $2,250 per day
  • Gold Plus: In US- 100% of average semi-private room rate.
    Outside of US- 100% of private room rate (not to exceed 150% of semi-private room rate)
  • Platinum: Private room rate

Emergency Evacuation

  • Bronze: $50,000 per period of coverage - not subject to deductible or coinsurance
  • Silver: $50,000 per period of coverage - not subject to deductible or coinsurance
  • Gold (1st 36 months):Up to maximum limit - not subject to deductible or coinsurance
  • Gold (Beginning 1st day of 37th month): $250,000 limit per person per certificate period
  • Gold Plus: Up to maximum limit - not subject to deductible or coinsurance
  • Platinum: Up to maximum limit - not subject to deductible or coinsurance

Return of Mortal Remains

  • Bronze: $10,000 lifetime maximum per insured - not subject to deductible or coinsurance
  • Silver: $25,000 lifetime maximum per insured - not subject to deductible or coinsurance
  • Gold (1st 36 months): $25,000 lifetime maximum per insured - not subject to deductible or coinsurance
  • Gold (Beginning 1st day of 37th month): $15,000 lifetime maximum per insured - not subject to deductible or coinsurance
  • Gold Plus: $25,000 lifetime maximum per insured - not subject to deductible or coinsurance
  • Platinum: $50,000 lifetime maximum per insured -not subject to deductible or coinsurance

Maternity

  • Bronze: -NA-
  • Silver: -NA-
  • Gold (1st 36 months):-NA-
  • Gold (Beginning 1st day of 37th month): -NA-
  • Gold Plus: -NA-
  • Platinum: $2,500 deductible per pregnancy. $50,000 lifetime maximum. $200 newborn wellness benefit for the first 12 months after birth. Newborn care & congenital disorders maximum of $250,000 for the first 31 days after birth
 

Pre-Existing Conditions

Pre-Existing Condition?:
Global Medical(Silver,Gold,GoldPlus)plan provides US$50,000 lifetime maximum, US$5,000 per period of coverage after 24 months.Global Medical Platinum Plan is same as any illness.

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Global Medical Insurance

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