| Company |
International Medical Group®, Inc.
|
International Medical Group®, Inc.
|
International Medical Group®, Inc.
|
| Plan Name |
Global Medical Insurance® Platinum
|
Global Medical Insurance® Silver
|
Global Medical Insurance® Gold
|
| Company Logo |
|
|
|
| Underwriter |
Sirius International - Rated A (excellent) by A.M. Best
|
Sirius International - Rated A (excellent) by A.M. Best
|
Sirius International - Rated A (excellent) by A.M. Best
|
| Available To |
All Nationalities. U.S. citizens must reside abroad for at least six months
|
All Nationalities. U.S. citizens must reside abroad for at least six months
|
All Nationalities. U.S. citizens must reside abroad for at least six months
|
| Coverage Area |
Two options: worldwide or worldwide excluding the U.S. and Canada
|
Two options: worldwide or worldwide excluding the U.S. and Canada
|
Two options: worldwide or worldwide excluding the U.S. and Canada
|
| |
| Plan Name |
Global Medical Insurance® Platinum
|
Global Medical Insurance® Silver
|
Global Medical Insurance® Gold
|
| Trip Cancellation |
No coverage |
No coverage |
No coverage |
| Trip Interruption |
No coverage |
No coverage |
No coverage |
| Cancel For Any Reason |
No coverage |
No coverage |
No coverage |
| Cancel For Work Reason |
No coverage |
No coverage |
No coverage |
| Trip Delay |
No coverage |
No coverage |
No coverage |
| Missed Connection |
No coverage |
No coverage |
No coverage |
| Employment Layoff |
No coverage |
No coverage |
No coverage |
| Terrorism |
No coverage |
No coverage |
No coverage |
| Supplier Bankruptcy/Default |
No coverage |
No coverage |
No coverage |
| Hurricane/Weather |
Weather related injuries are covered |
Weather related injuries are covered |
Weather related injuries are covered |
| Labor Strike |
No coverage |
No coverage |
No coverage |
| |
| Plan Name |
Global Medical Insurance® Platinum
|
Global Medical Insurance® Silver
|
Global Medical Insurance® Gold
|
|
Medical Expenses
|
$8 Million lifetime per individual
|
$5 Million lifetime per individual
|
$5 Million lifetime per individual |
|
Medical Coverage (Primary/Secondary)
|
Secondary - becomes Primary if no other collectable insurance is available |
Secondary - becomes Primary if no other collectable insurance is available |
Secondary - becomes Primary if no other collectable insurance is available
|
|
Deductible
|
Select from $250 up to $10,000 per period of coverage. 2 Deductibles per Family per Period of Insurance
|
Select from $250 up to $10,000 per period of coverage. 3 Deductibles per Family per Period of Insurance |
Select from $250 up to $10,000 per period of coverage. 3 Deductibles per Family per Period of Insurance |
|
Coinsurance
|
After Deductible the Company will pay 80% of the next $5,000 of eligible expenses. Coinsurance Waived for PPO Network expenses. Coinsurance waived for expenses incurred outside US and Canada
|
After Deductible the Company will pay 80% of the next $5,000 of eligible expenses. Coinsurance Waived for PPO Network expenses. Coinsurance waived for expenses incurred outside US and Canada
|
After Deductible the Company will pay 80% of the next $5,000 of eligible expenses. Coinsurance Waived for PPO Network expenses. Coinsurance waived for expenses incurred outside US and Canada
|
| Emergency Evacuation |
Up to the Maximum limit - Must be approved in advance and coordinated by the Company
|
$50,000 per period of coverage - not subject to deductible or coinsurance
|
Up to the Maximum limit - Must be approved in advance and coordinated by the Company |
| Emergency Dental |
Calendar year maximum - $750
Individual deductible - $50
See schedule of benefits
|
Usual, Reasonable, Customary charges covered for accidental damage to sound natural teeth - Sudden unexpected pain treatment up to $100
Non-emergency dental NA
|
Usual, Reasonable, Customary charges covered for accidental damage to sound natural teeth - Sudden unexpected pain treatment up to $100
Non-emergency dental NA
|
| Sports & Hazardous Activities |
Amateur, Professional, or Hazardous Sports excluded -Recreational Scuba and Skiing are covered - See Policy Details
|
Amateur, Professional, or Hazardous Sports excluded -Recreational Scuba and Skiing are covered - See Policy Details
|
Amateur, Professional, or Hazardous Sports excluded - Recreational Scuba and Skiing are covered - See Policy Details
|
|
Pre-existing Condition Exclusion Waiver - Available |
Pre-existing medical conditions are covered the same as any illness |
$5,000 per period of coverage up to $50,000 lifetime maximum - Available after 24 months of continuous coverage |
$5,000 per period of coverage up to $50,000 lifetime - Available after 24 months of continuous coverage |
|
Pre-existing Conditions - If Not Qualified for Waiver |
Pre-existing medical conditions are covered the same as any illness |
$5,000 per period of coverage up to $50,000 lifetime maximum - Available after 24 months of continuous coverage |
$5,000 per period of coverage up to $50,000 lifetime - Available after 24 months of continuous coverage |
| Repatriation of Remains |
$50,000 lifetime maximum per insured - not subject to deductible or coinsurance
|
$25,000 - not subject to deductible or coinsurance
|
$25,000 - not subject to deductible or coinsurance |
| Emergency Reunion |
$10,000 lifetime maximum
|
No coverage |
$10,000 lifetime maximum
|
| |
| Plan Name |
Global Medical Insurance® Platinum
|
Global Medical Insurance® Silver
|
Global Medical Insurance® Gold
|
| Lost Baggage |
No coverage |
No coverage |
No coverage |
| Baggage Delay |
No coverage |
No coverage |
No coverage |
| Rental Car Protection |
No coverage |
No coverage |
No coverage |
| |
| Plan Name |
Global Medical Insurance® Platinum
|
Global Medical Insurance® Silver
|
Global Medical Insurance® Gold
|
| Accidental Death & Dismemberment |
Global Term Life Insurance is available with no additional underwriting |
Global Term Life Insurance is available with no additional underwriting |
Global Term Life Insurance is available with no additional underwriting
|
| Flight Accident |
No coverage |
No coverage |
No coverage |
| Common Carrier Accident |
No coverage |
No coverage |
No coverage |
| |
| Plan Name |
Global Medical Insurance® Platinum
|
Global Medical Insurance® Silver
|
Global Medical Insurance® Gold
|
| Travel Assistance |
24 hour Toll Free Emergency Medical Assistance |
24 hour Toll Free Emergency Medical Assistance |
24 hour Toll Free Emergency Medical Assistance |
| Special Features |
Following a separate Maternity Deductible of $1,000, the plan will pay 100% of of Maternity Expenses up to a $50,000 lifetime maximum. (after 10 months of continuous coverage) |
Maternity Coverage may be purchased ($2,500) as a Rider at the time of initial application. Benefit available after 10 months of continuous coverage. 50% reduction in benefits for births occurring in 11th or 12th month |
Maternity Coverage may be purchased ($2,500) as a Rider at the time of initial application. Benefit available after 10 months of continuous coverage. 50% reduction in benefits for births occurring in 11th or 12th month |
| Identity Theft |
No coverage |
No coverage |
No coverage |
| Policy Fulfillment |
No Coverage - you must be prevented from traveling due to a covered reason |
As per your choice at the time of purchase. Delivered via email or regular mail. |
As per your choice at the time of purchase. Delivered via email or regular mail. |
| Length Of Coverage |
Lifetime - if enrolled by your 65th birthday - see policy details
|
Lifetime - if enrolled by your 65th birthday - see policy details |
Lifetime - if enrolled by your 65th birthday - see policy details
|
| Administration Fee |
None |
None |
None |
| Money Back Guarantee |
Refundable up to the day before effective date - Refundable after effective date but restrictions apply - plus $25 cancellation fee |
Refundable up to the day before effective date - Refundable after effective date but restrictions apply - plus $25 cancellation fee |
Refundable up to the day before effective date - Refundable after effective date but restrictions apply - plus $25 cancellation fee |
| Policy Certificate |
Policy Certificate
|
Policy Certificate
|
Policy Certificate
|
| Credit Cards Accepted |
See Details |
See Details |
See Details |
| Purchase |
Buy Now
|
Buy Now
|
Buy Now
|
