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Global Medical Insurance Gold - Travel Insurance Center

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Global Medical Insurance Gold

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Global Medical Insurance Gold plan benefits

Benefit Description
Subject to deductible and coinsurance unless otherwise noted
Gold
1st 36 months of continuous coverage
Coverage Area

Two options: worldwide or worldwide excluding the U.S. and Canada

Policy Maximum $5 million
Deductible

$250 to $10,000
50% waived within PPO network

Family Deductible

3 times the individual deductible

Coinsurance within the U.S. and Canada

80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage

Coinsurance within the PPO network and outside the U.S. and Canada

No Coinsurance

Hospitalization / Room & Board

Average semi-private room rate

Intensive Care Unit

Usual, Reasonable and Customary (URC)

Surgery

Usual, Reasonable & Customary charges (URC)

Anesthetist's Charges Associated with Surgery

Usual, Reasonable & Customary charges (URC)

Transplants

$1 million
lifetime maximum

Outpatient

Usual, Reasonable & Customary charges (URC)

Rx Coverage

Usual, Reasonable & Customary charges (URC)

Emergency Room Illness

Usual, Reasonable & Customary charges (URC) 
subject to an additional $250 deductible if not admitted

Emergency Room Accident

Usual, Reasonable & Customary charges (URC)

Local Ambulance

Usual, Reasonable & Customary charges (URC)

Emergency Evacuation

Up to maximum limit - not subject to deductible or coinsurance

Emergency Reunion

$10,000
lifetime maximum

Return of Mortal Remains

$25,000
lifetime maximum per insured -not subject to deductible or coinsurance

Maternity

Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section - not subject to deductible or coinsurance, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days
(Benefits reduced by 50% for births in that occur in the 11th or 12th month
of continuous coverage)

Supplemental Accident

$300
per occurrence

Mental/Nervous

$10,000 per period
$50,000 maximum
Available after 12 months of continuous coverage

Adult Wellness

$250 per period of coverage - not subject to deductible or coinsurance Available for those 30 years of age and over after 12 months of continuous coverage

Child Wellness

$200 maximum per period of coverage -not subject to deductible or coinsurance Available for children under 18 years of age after 12 months of continuous coverage

Other Services

Usual, Reasonable & Customary charges (URC)

Physical Therapy

Maximum $50 per visit

High School Sports Injury

NA

Recreational SCUBA

Usual, Reasonable & Customary charges (URC)

Remote Transportation

Usual, Reasonable & Customary charges (URC)

Political Evacuation and Repatriation

NA

Complementary Medicine

Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage

Non-emergency Dental

NA

Emergency Dental due to Accident

Usual, Reasonable & Customary charges (URC)

Emergency Dental due to Sudden Unexpected Pain

$100 per period of coverage

Vision

NA

Global Concierge & Assistance Services

NA

Pre-existing Conditions

$5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage

NA (Not Applicable) / SAAI (Same As Any Illness)

 

 

 

Benefit Description
Subject to deductible and coinsurance unless otherwise noted
Gold
Beginning the 1st day of the 37th month)
Coverage Area

Two options: worldwide or worldwide excluding the U.S. and Canada

Policy Maximum $5 million
Deductible

$250 to $10,000
50% waived within PPO network

Family Deductible

3 times the individual deductible

Coinsurance within the U.S. and Canada

80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage

Coinsurance within the PPO network and outside the U.S. and Canada

No Coinsurance

Hospitalization / Room & Board

Up to a limit of $2,250 per day

Intensive Care Unit

Up to a limit of $4,500 per day

Surgery

Usual, Reasonable & Customary charges (URC)

Anesthetist's Charges Associated with Surgery

Usual, Reasonable & Customary charges (URC)

Transplants

$500,000
lifetime maximum

Outpatient

Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 copay; Diagnostic Lab and X-Rays limited to $5,000 per certificate period; Physiotherapy - up to $50 per visit, $1,000 max per certificate period $10,000 lifetime maximum

Rx Coverage

$5,000 per certificate period for each insured person, out-patient only

Emergency Room Illness

Usual, Reasonable & Customary charges (URC)

Emergency Room Accident

Usual, Reasonable & Customary charges (URC)

Local Ambulance

Usual, Reasonable & Customary charges (URC)

Emergency Evacuation

$250,000 limit per person per certificate period

Emergency Reunion

$10,000
lifetime maximum

Return of Mortal Remains

$25,000
lifetime maximum per insured -not subject to deductible or coinsurance

Maternity

Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section - not subject to deductible or coinsurance, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage)

Supplemental Accident

$300
per occurrence

Mental/Nervous

$2,500 maximum per certificate period;
In-patient limited to 25 days per certificate period; Out-patient limited to max of 20 visits per certificate period at 70% eligible expenses,
up to $75 maximum per visit;
Lifetime maximum of $30,000

Adult Wellness

$250 per period of coverage - not subject to deductible or coinsurance Available for those 30 years of age and over after 12 months of continuous coverage

Child Wellness

$200 maximum per period of coverage -not subject to deductible or coinsurance Available for children under 18 years of age after 12 months of continuous coverage

Other Services

Usual, Reasonable & Customary charges (URC)

Physical Therapy

Maximum $50 per visit

High School Sports Injury

NA

Recreational SCUBA

Usual, Reasonable & Customary charges (URC)

Remote Transportation

NA

Political Evacuation and Repatriation

NA

Complementary Medicine

Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage

Non-emergency Dental

NA

Emergency Dental due to Accident

$500 per period

Emergency Dental due to Sudden Unexpected Pain

$100 per period of coverage

Vision

NA

Global Concierge & Assistance Services

NA

Pre-existing Conditions

$5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage

NA (Not Applicable)  / SAAI (Same As Any Illness)

This website contains only a consolidated and summary description of some of the current Global Medical Insurance benefits,conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wording.

Global Concierge and Assistance ServicesSM

DEDICATED SERVICE LINE
An international toll-free number accessible worldwide 24/7.

DEDICATED CLAIMS TEAM
Provides members with expedited claims processing.

BAG TRACKING
Assistance in locating lost checked baggage and arranging the delivery of it to you anywhere in the world.

DRUG TRANSLATION SERVICES
24/7 online access that provides country specific brand names of common prescription and over-the-counter medications.

EMBASSY & CONSULATE REFERRALS
Provides the location and contact information of the nearest U.S. Embassy or Consulate.

EMERGENCY CASH TRANSFERS
Assists in arranging and obtaining cash transfers anywhere in the world.

EMERGENCY MESSAGE RELAY
Relay messages to your family, friends and co-workers, helping you maintain contact during an emergency.

EMERGENCY TRAVEL ARRANGEMENTS
Assists in making the appropriate travel arrangements in the event you must interrupt your travel and return home.

LEGAL REFERRALS
Provides the contact information for an attorney located in your country of travel.

LOST PASSPORT/TRAVEL DOCUMENTS ASSISTANCE
Assists in reporting, retrieval or replacement of lost or stolen travel documents.

PRESCRIPTION DRUG REPLACEMENT ASSISTANCE
Assists in the replacement and shipment of lost or damaged medication.

PRE-TRIP HEALTH AND SAFETY ADVISORIES
24/7 online access to information concerning current passport and visa requirements; information regarding inoculations and vaccinations; and up-to-date travel safety advisories.

SECURITY UPDATES AND COUNTRY PROFILES
24/7 online access to the latest advisories and travel warnings.

Global Concierge and Assistance Services are additional services offered under the Platinum plan option. They are not insurance benefits

 

Eligibility information about this plan

Citizenship: All Nationalities
Residency:  All Nations 
                   Not Available to residents of New York State or European Union countries
Age: Must apply by age 65. Lifetime renewability
US citizens must spend at least 6 months per year outside the US.


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. Certain other restrictions may also apply.

Families applying for Global Medical Insurance will receive free coverage for the first two eligible dependent children between the ages of 14 days to 9 years when both parents are insured under the Global Medical Insurance plan. Children under the age of 19 applying individually should use the male 19-24 age bracket when applying for coverage. Each person requesting coverage must complete the information required in the application.

Lifetime Eligibility
Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium

Global Medical Insurance Gold Plan Documents

2019 Domestic Summary

2019 International Plan Summary

Allianz Rental Car - Sample Policy

AXA Gold - Generic - Summary of Benefits

AXA Platinum - Generic - Summary of Benefits

AXA Silver - 33 State - Summary of Benefits

AXA Silver - CO - Summary of Benefits

AXA Silver - FL - Summary of Benefits

AXA Silver - IN - Summary of Benefits

AXA Silver - KS - Summary of Benefits

AXA Silver - LA - Summary of Benefits

AXA Silver - MA - OK - TN - TX - Summary of Benefits

AXA Silver - MN - Summary of Benefits

AXA Silver - MO - PA - VA - Summary of Benefits

AXA Silver - NH - Summary of Benefits

AXA Silver - NY - Summary of Benefits

AXA Silver - OR - Summary of Benefits

AXA Silver - SD - Summary of Benefits

AXA Silver - WA - Summary of Benefits

BHTP ExactCare Sample DOC

Business Travel Accident Insurance Questionnaire

Click Here for LX Plan Documents

Click Here for SE Plan Documents

Corporate Kidnap, Ransom and Extortion Application

Defense Base Act Insurance Application

Defense Base Act Insurance Brochure

Defense Base Act Waiver - Guam

Deluxe Plan - Group Travel Insurance Enrollment Form

Diplomat America Plan Summary

Diplomat International Plan Summary

Domestic Plan Summary

Executive Travel Accident Insurance Program Description of Coverage

GeoBlue Trekker Choice - Description of Coverage

GeoBlue Trekker Essential - Description of Coverage

Global Accident Protection Plan (GAPP)

Global Accident Protection Plan (GAPP) Optional War Risk

Global Benefits Group Annual TravelCare 360 RW Worldwide Travel Coverage

Global Medical Insurance Brochure 2019

Group Deluxe CFAR Rates

Group Deluxe Rates

Group Lite Rates

Group Travel Protection Deluxe Description of Coverage

Group Travel Protection Plan Lite Description of Coverage

IMG Patriot America Certificate of Insurance

IMG Visitors Care Certificate of Insurance

International Plan Summery

Kidnap and Ransom Insurance Description

Lite Plan - Group Travel Insurance Enrollment Form

Longshore and Harbor Workers' Compensation Act

MedjetAssist Annual Membership Program Rules and Regulations

MedjetAssist Expat Membership Program Rules and Regulations

Patriot Accidental Death and Dismemberment Rider

Patriot Adventure Sports Rider

Patriot America Plus Certificate of Insurance

Patriot Evacuation Plus Rider

Patriot international Certificate of Insurance

Patriot Platinum America Certificate of Insurance

Patriot Platinum Brochure

Patriot Platinum International Certificate of Insurance

Patriot Travel Medical Insurance Brochure 2018

Roundtrip International Brochure

Safe Travels First Class Sample Policy

Safe Travels International Summary of Coverage

Safe Travels Outbound Summary of Coverage

Safe Travels Voyager Summary of Benefits

Student Group Travel Insurance Enrollment Form

Student Protection Plan Description

Student/School Group Protection Description of Coverage

Travel Guard Annual Travel Plan Description of Coverage

Travel Guard Annual Travel Plan Sample Policy

Travel Guard Gold CT FL

Travel Guard Gold CT IL IN KS NH SD TX

Travel Guard Gold IN

Travel Guard Gold NH

Travel Guard Gold OR_GA_UT

Travel Guard Gold WA

Travel Guard NH OLC

Travel Guard Silver CT IL IN KS NH SD TX

Travel Guard Silver IN

Travel Guard Silver NH

Travel Guard Silver OR GA UT

Worldwide Trip Protector Lite Summary

Worldwide Trip Protector Summary

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