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Global Medical Insurance Platinum Benefits

Global Medical Insurance offers you the choice of three plan options: Silver, Gold and Platinum. You also have the opportunity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada. Simply choose the plan option and coverage area that best fits your needs. Each one offers a full range of benefits suited for individuals and families, provides coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.

When you select Global Medical Insurance, you receive IMG’s commitment to deliver world class health benefits, medical assistance and Global Peace of Mind®.

Benefit Description
Subject to deductible and coinsurance unless otherwise noted
Platinum
Coverage Area

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

Policy Maximum $8,000,000
Deductible

$100 to $10,000
50% waived within PPO network

Family Deductible

2 times the individual deductible

Coinsurance within the U.S. and Canada

90% 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

Private room rate

Intensive Care Unit

Usual, Reasonable and Customary (URC)

Surgery

Usual, Reasonable and Customary (URC)

Anesthetist's Charges Associated with Surgery

Usual, Reasonable and Customary (URC)

Transplants

$2,000,000
lifetime maximum

Outpatient

Usual, Reasonable and Customary (URC)

Rx Coverage

Outside U.S. - URC

Inside U.S.
Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available

Emergency Room Illness

Usual, Reasonable and Customary (URC)

Emergency Room Accident

Usual, Reasonable and Customary (URC)

Local Ambulance

Usual, Reasonable and Customary (URC)

Emergency Evacuation

Up to maximum limit - not subject to deductible or coinsurance

Emergency Reunion

$10,000
lifetime maximum

Return of Mortal Remains

$50,000
lifetime maximum per insured -not subject to deductible or coinsurance

Maternity

SAAI - $1,000 additional deductible, $50,000 lifetime maximum, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days

Supplemental Accident

$500 per occurrence

Mental/Nervous

SAAI
$50,000 lifetime maximum.
Available after 12 months of continuous coverage

Adult Wellness

$500 per period of coverage - not subject to deductible or coinsurance Available for those 18 years of age and over after 12 months of continuous coverage

Child Wellness

$400 maximum per period of coverage - Available after 6 months of continuous coverage

Other Services

Usual, Reasonable and Customary (URC)

Physical Therapy

Maximum $50 per visit

High School Sports Injury

Up to $5,000 maximum

Recreational SCUBA

Usual, Reasonable and Customary (URC)

Remote Transportation

Limited to $5,000 per certificate period up to a $20,000 lifetime maximum

Political Evacuation and Repatriation

Limited to $10,000 lifetime maximum

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

Calendar year maximum - $750
Individual deductible - $50
Schedule of benefits -
Class I: 90% Class II: 70%
Class III: 50% Ortho 0%
(6 month waiting period)

Emergency Dental due to Accident

Usual, Reasonable and Customary (URC)

Emergency Dental due to Sudden Unexpected Pain

See non-emergency dental benefits

Vision

Exams - up to $100
Materials - up to $150 per 24 months

Global Concierge & Assistance Services

Included

Pre-existing Conditions

SAAI

NA (Not Applicable) / URC (Usual, Reasonable and Customary) / 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





Global Medical Insurance Platinum

 

International Medical Group

Global Medical Insurance Platinum

Plan Benefits

Plan Cost

Description of Coverage

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Frequently Asked Questions

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