Global Medical Insurance (GMI)

  • Low cost International travel insurance.
  • Your choice of deductibles and policy limits.
  • Coverage includes medical evacuation, repatriation, reunion etc.
  • No medical exam required for visitors insurance enrollment.
  • 100% of Eligible Expenses after the Deductible up to the policy limit Outside US & Canada.
  • Apply online and get Instant ID card & Embassy letter.

Global Medical Insurance (GMI) - is a revolutionary program that offers long-term flexible worldwide coverage to meet your individual or family needs, backed by the world-class services you expect.

GMI allows you to custom build a plan that is specifically tailored for you. It offers the flexibility to select from an assortment of four unique benefit plan options - each with specialized coverages. To accommodate your financial means, you can customize your length and area of coverage as well as select from multiple deductibles and modes of payment. Its flexible underwriting options also provide IMG the ability consider coverage that may have been declined by other carriers.

To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment's notice. You have the freedom to choose any provider for your services, or you can quickly and easily access providers in the extensive PPO network and the International Provider AccessSM(IPA). You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses.


Overview:

Long-term comprehensive medical plan for individuals and families

Flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide.

Highlights:
  • Flexible, comprehensive medical coverage
  • Coverage for individuals and families
  • Four unique plan designs - Silver, Gold, Gold Plus and Platinum
  • Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Sports
  • Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
  • Select from multiple deductible options
  • Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
  • Choose from several payment modes
  • Multiple underwriting options to fit your needs
  • Freedom to choose your provider
  • Access to two extensive provider networks
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program
  • Medical professionals to coordinate your care
  • 24 hour access to information

Who the plan is designed for:

  • Coverage for individuals or families living or working abroad
  • Contract employees living and working abroad
  • Seniors with dual residencies six months or longer outside the U.S.

Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications. Your health care while abroad should not be one of those concerns. Global Medical Insurance is a revolutionary program from IMG that offers the flexible worldwide coverage you need, backed by the world-class services you expect. Unlike other health care programs on the market, Global Medical Insurance allows you to custom build a plan that is specifically tailored for you.

Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from an assortment of unique benefit options. From the scheduled benefits of the Silver plan option to the benefit-rich Platinum plan option, there are a large variety of specialized coverages to meet any need. To accommodate your financial means, you can customize your length and area of coverage with the flexibility to select from multiple deductibles and modes of payment. With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.

Additionally, the program provides world-class services. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment''''s notice, and our extensive global provider networks are quickly and easily accessible. You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. You can also efficiently save time managing routine areas of your account by utilizing our secure, online service tools. In addition, IMG is available for service at your convenience - via phone, email or Live Chat.

You need to know that you have the proper worldwide coverage. When you select Global Medical Insurance, you receive IMG''''s commitment to deliver exceptional health benefits, medical assistance and service - all designed to give you Global Peace of Mind®.

Coverage Area Options/Budget:

Two coverage areas: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan - You have the opportunity to select the coverage area that best reflects your geographic area of need. Each provides full coverage, but premiums reflect the cost of care in different parts of the world. Regardless of the coverage area you choose, you maintain the freedom to choose your own provider.

Multiple deductible options - To accommodate your financial resources, you can select from seven different deductible options - all providing different premium levels. Additionally, your deductible can be reduced up to 50% to a $2,500 maximum.

No additional cost for children - No matter the plan option or coverage area you choose, if you are a family, the family premium covers the first two children between 14 days and 9 years at no additional cost for the first year (see Additional Coverage Information). This is a valuable savings for any budget.

Four premium modes - Schedule the frequency of payment that meets your means.

  • Annual
  • Semi-annual
  • Quarterly
  • Monthly

Option Riders:

Global Medical Insurance is designed to protect individuals and families from the high cost of medical expenses. In addition to tailored benefits packages, the program offers several optional coverages. You may review and choose any from the following list that meet your needs.

Global Term Life Insurance (Including AD7/D)

Provides protection for families following a traumatic loss. Includes Accidental Death and Dismemberment (AD&D) coverage at no additional cost. AD&D is paid in addition to any amount paid by Global Term Life Insurance and can double the amount of the benefit.

Those approved for the plan and under age 70 are automatically eligible for Global Term Life Insurance at the time of application. Global Term Life Insurance is an optional program purchased in units. The number of units applicants may purchase is based upon their age at the time of application and each subsequent renewal. Applicants from age 31 days through 18 years and from 65 through age 69 are eligible for one unit of coverage. Applicants from age 19 through age 64 are eligible for two units of coverage.

Global Daily Indemnity:

Will pay the benefit amount directly to you for each required overnight stay in a hospital. The hospital stay must be eligible for coverage under your plan. Hospital stays related to maternity are not eligible.

Optional Maternity Rider

Available on Silver, Gold and Gold Plus plans only

  • $50,000 lifetime maximum
  • Maximum of $5,000 for normal delivery for each pregnancy - not subject to deductible or coinsurance
  • Maximum of $7,500 for C-section delivery for each pregnancy - not subject to deductible or coinsurance
  • Newborn covered for the first 31 days only without additional premium
  • $200 child wellness benefit for the first 12 months
  • Newborn care and congenital disorders maximum of $250,000 for the first 31 days
  • Must be selected at time of initial purchase of plan
  • Benefits available after 10 months of continuous coverage
  • Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
  • Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage

Terrorism Rider:

Available on the Platinum plan only

If an insured person is injured as a result of an act of Terrorism*, and the insured person has no direct or indirect participation in the act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum.

This benefit does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person''''s arrival date, and the insured person unreasonably fails or refuses to depart the country or location.

* For limitations and the definition of Terrorism, please see the Certificate Wording.

Sports Rider:

Available on the Platinum plan only

Provides up to $25,000 of lifetime coverage for adventure sports such as mountaineering, parachuting, and whitewater rafting (refer to Certificate Wording for a comprehensive list). Also provides up to $10,000 of lifetime coverage for amateur sports when not engaged for wage, reward, or profit including contact sports such as soccer and hockey.

Flexible Underwriting:

The plan provides flexible underwriting methods to extend coverage to you. Your application may be underwritten by Standard Underwriting or the Flexible Underwriting Rider.

Standard Issuance - There are two levels of underwriting when all medical conditions have been disclosed and they have not been specifically excluded or restricted by a rider (subject to the foregoing limits and the other terms of the plan*).

The Silver, Gold and Gold Plus plan options provide a $50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of $5,000 per period of coverage after coverage has been in effect for 24 continuous months. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period of continuous coverage.

The following illnesses which exist, manifest themselves, are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of coverage described above: acne, asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall bladder or gall stones and kidney stones, any condition of the breast, and any condition of the prostate.

On the Platinum plan option , conditions that are fully disclosed on the application and have not been excluded or restricted by a rider will be covered the same as any illness. Conditions, including any complications therefrom, that are not fully disclosed on the application will not be covered.

Flexible Underwriting Rider - Where you may have otherwise been declined for coverage, the Flexible Underwriting Rider allows us to extend coverage to you. After 24 months of continuous coverage, a disclosed pre-existing condition which has not been specifically excluded by a rider will be covered as any other pre-existing condition so long as in that 24 month period no treatment has been received for that condition. If treatment has been sought or should have been sought, then the 24 month period starts over from the treatment date.


Benefits:


Benefit Bronze Silver Gold
(1st 36 months of continuous coverage)
Gold
(Beginning the 1st day of the 37th month)
Gold Plus Platinum
Lifetime Maximum Limit $1,000,000
per individual
$5,000,000
per individual
$5,000,000
per individual
$5,000,000
per individual
$5,000,000
per individual
$8,000,000
per individual
Deductible
(Per Period of Coverage)
$250 to $10,000 $250 to $10,000 $250 to $10,000 $250 to $10,000 $250 to $10,000 $100 to $25,000
Deductible Carry Forward included included included included included included
Treatment outside the U.S. 50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
Treatment inside the U.S. using Medical Concierge 50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
50% of deductible waived,
up to a maximum of $2500.
No coinsurance
Treatment inside the U.S.-PPO Network Subject to Deductible.
No coinsurance
Subject to Deductible.
No coinsurance
Subject to Deductible.
No coinsurance
Subject to Deductible.
No coinsurance
Subject to Deductible.
No coinsurance
Subject to Deductible.
No coinsurance
Treatment inside the U.S.- Non-PPO Network Subject to Deductible.Plan pay 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to Deductible.Plan pay 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to Deductible.Plan pay 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to Deductible.Plan pay 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to Deductible.Plan pay 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to Deductible.Plan pay 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Hospitalization / Room & Board in U.S.-100% of average semi-private room rate.Outside of U.S.-100% of private room rate (not to exceed 150% of semi-private room rate). in U.S.-100% of average semi-private room rate.Outside of U.S.-100% of private room rate (not to exceed 150% of semi-private room rate).All subject to $600 per day-240 day max. in U.S.-100% of average semi-private room rate.Outside of U.S.-100% of private room rate (not to exceed 150% of semi-private room rate). Up to a limit of $2,250 per day in U.S.-100% of average semi-private room rate.Outside of U.S.-100% of private room rate (not to exceed 150% of semi-private room rate). Private room rate
Intensive Care Unit 100% $1500 per day - 180 days of coverage per unit 100% Up to a limit of $4,500 per day 100% 100%
Surgery 100% 100% 100% 100% 100% 100%
Anesthetist's Charges Associated with Surgery 100% 20% of surgery benefit 100% 20% of surgery benefit 100% 100%
Out-patient
1)Office visits
2) Diagnostic/X-Rays
1) Specialist/consultants(pre-inpatient)- up to $500 prior to inpatient treatment; Specialist/consultants(post-inpatient)- up to $500 following outpatient surgery or inpatient treatment for 90 days after leaving hospital.
2) Lab tests up to $300 per visit; Diagnostic/X-Rays limited to $250 per visit. No family doctor coverage.
1) 25 visits: $70 doctor/specialist maximum limit; $60 psychiatrist maximum limit. $50 chiropractor maximum limit.
2) $250 X-Rays per exam maximum limit; $500 surgery intervention consultation; $300 lab tests per exam maximum limit.
100% 1)physician charges -limit of $150 per visit;Hospital charge - $100 co-pay unless admitted; Urgent Care Facility - $25 co-pay.
2)Diagnostic Lab and X-Rays limited to $5,000 per period of coverage.
100% 100%
Transplants $250,000 lifetime maximum $250,000 lifetime maximum $1,000,000 lifetime maximum $500,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum
Emergency Room Illness
(Additional $250 deductible if not admitted)
Covered only if admitted as inpatient 100% 100% 100% 100% 100%
Emergency Room Accident 100% 100% 100% 100% 100% 100%
Supplemental Accident NA $300 of Eligible Medical Expenses following an accident $300 of Eligible Medical Expenses following an accident $300 of Eligible Medical Expenses following an accident $300 of Eligible Medical Expenses following an accident $500 of Eligible Medical Expenses following an accident
Local Ambulance Injury: Up to $1,500 maximum limit per event. illness resulting in inpatient status: Up to $1500 maximum limit per event $1,500 maximum limit per event -non subject to deductible or coinsurance. 100% $100 maximum limit per event -non subject to deductible or coinsurance. 100% 100%
Mental/Nervous NA Outpatient after 12 months of continuous coverage. $10,000 per period - $50,000 maximum - Available after 12 month of continuous coverage. $30,000 lifetime maximum, and
$2500 maximum per period of coverage.
Additional Sub-Limit: inpatient: limited to 25 day per period of coverage.
Outpatient: Plan pay 70% of Eligible medical expenses up to $75 maximum per visit.Limited to 20 visits per period of coverage.
$10,000 maximum per period of coverage with a $50,000 lifetime maximum -
Available after 12 month of continuous coverage.
$50,000 lifetime maximum - Available after 12 month of continuous coverage.
Emergency Evacuation Up to $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
Up to policy lifetime maximum limit.
Not subject to deductible or coinsurance.
$250,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
Up to maximum limit.
Not subject to deductible or coinsurance.
Up to maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion $10,000 lifetime maximum NA $10,000 lifetime maximum $10,000 lifetime maximum $10,000 lifetime maximum $10,000 lifetime maximum
Return of Mortal Remains $10,000 lifetime maximum
not subject to deductible or coinsurance.
$25,000 lifetime maximum
not subject to deductible or coinsurance.
$25,000 lifetime maximum
not subject to deductible or coinsurance.
$15,000 lifetime maximum
not subject to deductible or coinsurance.
$25,000 lifetime maximum
not subject to deductible or coinsurance.
$50,000 lifetime maximum
not subject to deductible or coinsurance.
Remote Transportation NA NA NA NA NA Up to $5,000 per period of coverage up to $20,000 lifetime maximum
Political Evacuation and Repatriation NA NA NA NA NA Up to $10,000 lifetime maximum
Child Wellness
(Under 18 years of age)
NA 3 visits per period of coverage- $70 maximum per visit.
Available after 12 months of continuous coverage.
$200 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 12 months of continuous coverage.
$200 maximum per period of coverage - not subject to deductible or coinsurance. $200 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 12 months of continuous coverage.
$400 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 6 months of continuous coverage.
Adult Wellness NA NA $250 per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage. $250 per period of coverage - not subject to deductible or coinsurance. $250 per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage. $500 per period of coverage - not subject to deductible or coinsurance. Available for those 19 years of age and over after 6 month of continuous coverage.
Rx Coverage Inpatient:100%.
Outpatient:Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per inpatient event.
100% 100% $500 per period of coverage - outpatient only.90 day supply per prescription. 100% Outside U.S.- 100%
Inside U.S.-Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available.
Physical Therapy Inpatient:100%.
Outpatient:$40 maximum limit per visit, and 10 visit per event, available for 90 days following inpatient Treatment or Outpatient surgery.
Maximum $40 per visit - 30 visit maximum. Maximum $50 per visit. Maximum $50 per visit-$,1000 maximum per period of coverage.
$10,000 lifetime maximum.
Maximum $50 per visit. Maximum $50 per visit.
Complementary Medicine NA NA Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage
Recreational SCUBA NA NA 100% 100% 100% 100%
Non-emergency Dental Optional Rider Optional Rider Optional Rider Optional Rider Optional Rider $750 maximum per Calendar year; $50 individual deductible per calendar year.
Individual deductible - $50 Schedule of benefits :Class I: 90%(deductible is waived); Class II: 70%;Class III: 50%; 6 month waiting period.
Emergency Dental due to Accident $1,000 per period of coverage $1,000 per period of coverage 100% $500 per period of coverage 100% 100%
Emergency Dental due to Sudden Unexpected Pain NA NA $100 per period of coverage $100 per period of coverage $100 per period of coverage See non-emergency dental benefits
Vision Optional Rider Optional Rider Optional Rider Optional Rider Optional Rider Exams - up to $100 maximum per 24 months.
Materials- Up to $150 per 24 months.
Maternity
Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (*not subject to deductible or coinsurance - available after 10 months of coverage)
NA NA NA NA NA $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.
Hospital Indemnity
(Outside the U.S. only)
Private Hospitals :$400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals :$500 per overnight and $5,000 maximum limit per calendar year.
Private Hospitals :$400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals :$500 per overnight and $5,000 maximum limit per calendar year.
Private Hospitals :$400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals :$500 per overnight and $5,000 maximum limit per calendar year.
Private Hospitals :$400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals :$500 per overnight and $5,000 maximum limit per calendar year.
Private Hospitals :$400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals :$500 per overnight and $5,000 maximum limit per calendar year.
Private Hospitals :$400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals :$500 per overnight and $5,000 maximum limit per calendar year.


Exclusions:


Exclusions & Limitations*:

  • Adult routine physical examinations are excluded under the Silver plan option, and for the first 12 months for the Gold, Gold Plus and Platinum plan options
  • Out-patient mental and nervous is excluded for the first 12 months on all plan options
  • In-patient mental and nervous is excluded under the Silver plan option and for the first 12 months for the Gold, Gold Plus and Platinum plan options
  • Maternity, newborn and congenital care (unless the maternity rider or Platinum plan option is purchased - see Benefits page by clicking link above) Note: maternity expenses including prenatal, delivery, postnatal, newborn and congenital disorders are excluded when the pregnancy is a result of fertility treatment
  • Organ transplants not specifically listed
  • Devices to correct sight or hearing are excluded under the Silver, Gold and Gold Plus plan options
  • Treatment or supplies not medically necessary
  • Treatment not ordered or received by a physician
  • Treatment by a relative or family member
  • Treatment as a result of war, riot, or terrorism
  • Treatment resulting from illegal activities
  • Organized amateur or professional sports
  • Services and treatment eligible for payment by any government or other insurance
  • Investigational, experimental or research procedures
  • Routine foot care
  • Elective cosmetic or plastic surgery
  • Drug and alcohol abuse treatment
  • Speech therapy
  • Custodial care
  • Weight modification
  • Treatment of impotency
  • Contraceptive medication or treatment
  • Persons HIV+ at effective date

Nationwide PPO Network:

Click here to ACCESS THE PPO DIRECTORY

You may seek treatment under Global Medical Insurance with the hospital or doctor of your choice. If you choose the worldwide option and you need to seek treatment in the U.S., you may use the independent Preferred Provider Organization (PPO) contracted by IMG, a separately organized network of approximately 500,000 physicians and 4,700 privately owned and operated hospitals.* This PPO network includes a large number of hospitals including some of the most well-recognized university medical centers and transplant facilities.

Using this provider network could significantly reduce your out-of-pocket expenses. Your deductible will be reduced by 50%, and any coinsurance applicable to that charge is waived, when eligible treatment is received from a network provider.

When a U.S. hospital outside the network is used, a co-payment of US $250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however,
if there is not a network provider within 50 miles of the location of treatment.


Rates:

Global Medical Insurance is a surplus lines product underwritten by Sirius International Insurance Corporation (publ) (the Company). It is distributed, managed and administered, as agent for and on behalf of the Company, by International Medical Group, Inc. (IMG).

Global Medical Insurance New Business Rates

  • WORLDWIDE COVERAGE
  • Worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Taiwan, and Singapore
  • ALL PRODUCTS

Global Medical Insurance, Click here to get a personalized Quote or view the Rate tables (PDF)