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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 Platinum
Lifetime Maximum Limit $1,000,000 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 $25,000 $100 to $25,000
Deductible Carry Forward included included included included
Treatment outside the U.S. 50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
Treatment inside the U.S. using Medical Concierge 50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
50% of deductible waived,
up to a maximum of $2,500.
No coinsurance
50% of deductible waived,
up to a maximum of $2,500.
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
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
Coinsurance International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%
International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%
International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%
International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%
Outpatient $500 maximum limit - specialists/physician charges (pre-inpatient / post-inpatient)

$300 maximum per visit - lab tests;
$250 maximum per visit - diagnostic x-rays

Subject to deductible and coinsurance
$70 maximum limit; 25 visit limit - specialists/physician charges
$50 maximum limit - chiropractor charges
$500 maximum limit - surgery intervention consultation charges
$300 maximum per visit - lab tests;
$250 maximum per visit - diagnostic x-rays

Subject to deductible and coinsurance
Subject to deductible and coinsurance Subject to deductible and coinsurance
Mental/Nervous N/A Subject to deductible and coinsurance. Outpatient after 12 months of continuous coverage Subject to deductible and coinsurance. $10,000 maximum. Subject to deductible and coinsurance. $50,000 lifetime maximum.
Hospital Emergency Room Injury Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Hospital Emergency Room Illness Subject to deductible and coinsurance.
Covered only if admitted as inpatient
Subject to deductible and coinsurance.
Additional $250 deductible if not admitted as an inpatient
Subject to deductible and coinsurance.
Additional $250 deductible if not admitted as an inpatient
Subject to deductible and coinsurance.
Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average semi-private room rate.
All subject to $600 per day /240 day maximum
Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average semi-private room rate
Intensive Care Unit Subject to deductible and coinsurance Subject to deductible and coinsurance.
$1,500 limit per day - 180 days of coverage per event
Subject to deductible and coinsurance Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy Subject to deductible and coinsurance
$600 maximum limit per examination
Subject to deductible and coinsurance
$600 maximum limit per examination
Subject to deductible and coinsurance Subject to deductible and coinsurance
Surgery Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Assistant Surgeon 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Maternity
(Delivery, preventative care, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)
N/A N/A N/A $2,500 additional deductible per pregnancy.
$50,000 lifetime maximum.
$200 newborn preventative care benefit for the first 31 days -12 months after birth.
$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth
Podiatry Care
(Additional $250 deductible if not admitted)
N/A N/A $750 maximum limit $750 maximum limit
Physical Therapy Subject to deductible and coinsurance. $40 maximum per visit - 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery Subject to deductible and coinsurance.
$40 maximum per visit - 30 visit limit
Subject to deductible and coinsurance.
$50 maximum per visit
Subject to deductible and coinsurance.
$50 maximum per visit
Transplants $250,000 lifetime maximum $250,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum
Prescription Coverage Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event Subject to deductible and coinsurance.
90-day supply per prescription following related covered event
Subject to deductible and coinsurance.
90-day supply per prescription. Outpatient only
International - 100%
Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription
Healthy Travel Preventive coverage $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision Optional Rider Optional Rider Optional Rider $100 maximum per 24 months for exams. $150 per 24 months for materials
Local Ambulance due to Injury or Illness resulting in Hospitalization $1,500 maximum limit per event.
Not subject to deductible or coinsurance
$1,500 maximum limit per event.
Not subject to deductible or coinsurance
Subject to deductible and coinsurance Not subject to deductible or coinsurance
Emergency Evacuation $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 lifetime maximum limit.
Not subject to deductible or coinsurance
Up to maximum limit.
Not subject to deductible or coinsurance
Emergency Reunion $10,000 lifetime maximum.
Not subject to deductible or coinsurance
N/A $10,000 lifetime maximum.
Not subject to deductible or coinsurance
$10,000 lifetime maximum.
Not subject to deductible or coinsurance
Interfacility Ambulance Transfer
(Transfer from one licensed health care Facility to another licensed health care Facility)
$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only
$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only
Subject to deductible and coinsurance. U.S. only Not subject to deductible or coinsurance. U.S. only
Political Evacuation and Repatriation N/A N/A N/A $10,000 lifetime maximum
Remote Transportation N/A N/A N/A $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance
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 $50,000 lifetime maximum. Not subject to deductible or coinsurance
Complementary Medicine N/A N/A $500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental InjuryTreatment at a hospital facility $1,000 per period of coverage $1,000 per period of coverage Up to the lifetime maximum limit Up to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth N/A N/A $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an Accident N/A N/A $500 per period of coverage See Non-Emergency Dental benefit
Non-Emergency Dental Optional Rider Optional Rider Optional Rider $750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity(Outside the U.S. only) Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.

Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Not subject to deductible or coinsurance
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.

Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Not subject to deductible or coinsurance
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.

Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Not subject to deductible or coinsurance
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.

Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. Not subject to deductible or coinsurance
Supplemental Accident N/A N/A $300 of eligible medical expenses following an accident . Not subject to deductible or coinsurance $500 of eligible medical expenses following an accident . Not subject to deductible or coinsurance
Adult Preventative Care
(Age 19 or older)
N/A N/A $250 per period of coverage. Not subject to deductible or coinsurance. $500 per period of coverage. Not subject to deductible or coinsurance.
Child Preventative Care
(Through age 18)
N/A $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. $200 maximum per period of coverage. Not subject to deductible or coinsurance. $400 maximum per period of coverage. Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation
(Outside the U.S. only)
Excluded $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage* $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage* Covered if disclosed and not excluded by rider
*If applicants can verify their prior comprehensive health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any comprehensive health plan established or maintained by a State or the U.S. government)
Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided