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Global Medical Insurance® - (GMI) International Long-Term Insurance Plan

Global Medical Insurance® - (GMI)


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.

Global Medical Insurance® allows you to custom build a plan. This plan is specifically tailored for you. It offers flexibility to choose from an assortment of four unique benefit plan options. They each have specialized coverage. Your length and area of coverage can be customized as well. You can also choose from multiple deductibles and modes of payment. These options also provide IMG the ability to consider coverage that may have been declined by other carriers.

There is an on-site clinical staff ready to assist you at a moment's notice to maximize the outcome of your medical care. You will have the freedom to select any provider for your service. Providers can be accessed quickly and easily in the extensive PPO network and the International Provider AccessSM (IPA). Direct access to Medical Concierge is available as well. This is an unequalled service that supplies you with personalized assistance in finding the best provider for your specific needs. At the same time, you will be saving out-of-pocket and medical expenses.

Long Term Comprehensive Medical Plan

These medical plans are for individuals and families. This worldwide medical insurance program is for U.S. citizens living or working abroad and for non-U.S. nationals worldwide. Here are some of the highlights : With traveler's insurance help is always available twenty-four hours a day to assist. This can prove invaluable when a hospital is needed, getting past language barriers, or just converting cost of services from local currency to United States dollars.

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.