Global Medical Insurance® Protects US Expatriates and non-US Citizens Purchase Global Medical Insurance® easily online! Not sure which option is right for you? SelectaPlansm can help! Global Medical Insurance® provides long-term worldwide coverage for individuals and families. It includes a complete package of international benefits and 24 hour medical emergency assistance. U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least six months of the next 12 months. Non-U.S. citizens may reside anywhere including their country of citizenship, although certain eligibility restrictions may apply to non-US citizens residing in the U.S. Global Medical Insurance offers two coverage areas; worldwide and worldwide excluding the U.S. and Canada. Premiums Coverage Benefits Download the Brochure [PDF - 435k]     Download the Brochure - Florida Residents 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.   PREMIUMS Global Medical Insurance is a long-term, annually renewable, medical insurance plan. Individuals covered by the Global Medical Insurance plan by their 65th birthday who maintain continuous coverage to age 75 are eligible for the Global Senior Plan® which offers lifetime coverage.   Download the rates [PDF - 266k] COVERAGE BENEFITS - Subject to deductible and coinsurance unless otherwise noted   Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from four unique benefit options, Silver, Gold, Gold Plus and Platinum - each with specialized coverages. 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. Benefit Description Silver Gold (1st 36 months of continuous coverage) Gold (Beginning the 1st day of the 37th month) Gold Plus Platinum Lifetime Maximum Limit $5,000,000 lifetime per individual $5,000,000 lifetime per individual $5,000,000 lifetime per individual $5,000,000 lifetime per individual $8,000,000 lifetime per individual Deductible (Per Period of Coverage) $250 to $10,000 50% waived within PPO network $250 to $10,000 50% waived within PPO network $250 to $10,000 50% waived within PPO network $250 to $10,000 50% waived within PPO network $100 to $10,000 50% waived within PPO network Family Deductible Three times the individual deductible Three times the individual deductible Three times the individual deductible Three times the individual deductible Two times the individual deductible Coinsurance within the PPO network No coinsurance No coinsurance No coinsurance No coinsurance No coinsurance Coinsurance outside the U.S. and Canada No coinsurance No coinsurance No coinsurance No coinsurance No coinsurance Coinsurance inside the U.S. and Canada 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage 90% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage Hospitalization / Room & Board $600 per day - 240 day maximum Average semi-private room rate Up to a limit of $2,250 per day Average semi-private room rate Private room rate Intensive Care Unit $1,500 per day - 180 day per event URC Up to a limit of $4,500 per day URC URC Surgery URC URC URC URC URC Anesthetist's Charges Associated with Surgery 20% of surgery benefit URC 20% of surgery benefit URC URC Transplants $250,000 per transplant $1,000,000 lifetime maximum $500,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum Out-patient 25 visits: $70 doctor/specialist; $60 psychiatrist; $50 chiropractor; $250 X-ray per exam maximum limit; $500 surgery intervention consultation; $300 lab tests per exam maximum limit URC Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 copay; Diagnostic Lab and X-Rays limited to $5,000 per certificate period; Physiotherapy - up to $75 per visit, $1,000 max per certificate period $10,000 lifetime maximum URC URC Emergency Room Illness (Additional $250 deductible if not admitted) URC URC URC URC URC Emergency Room Accident URC URC URC URC URC Supplemental Accident NA $300 per occurrence $300 per occurrence $300 per occurrence $500 per occurrence Local Ambulance $1,500 per covered event - not subject to deductible or coinsurance URC $100 per event - not subject to deductible or coinsurance URC URC Mental/Nervous Outpatient only after 12 months $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage $2,500 maximum per certificate period; In-patient limited to 25 days per certificate period; Out-patient limited to max of 20 visits per certificate period at 70% eligible expenses, up to $75 maximum per visit; Lifetime maximum of $30,000 $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage SAAI - $50,000 lifetime maximum - Available after 12 months of continuous coverage Child Wellness 3 visits per period of coverage - $70 maximum per period - Available after 12 months of continuous coverage $200 maximum per period of coverage - Available after 12 months of continuous coverage $200 maximum per period of coverage - Available after 12 months of continuous coverage $200 maximum per period of coverage - Available after 12 months of continuous coverage $400 maximum per period of coverage - Available after 6 months of continuous coverage Adult Wellness NA $250 per period of coverage - not subject to deductible or coinsurance - Available for those 30 years of age and over after 12 months of continuous coverage $250 per period of coverage - not subject to deductible or coinsurance - Available for those 30 years of age and over after 12 months of continuous coverage $250 per period of coverage - not subject to deductible or coinsurance - Available for those 30 years of age and over after 12 months of continuous coverage $500 per period of coverage - not subject to deductible or coinsurance - Available for those 18 years of age and over after 6 months of continuous coverage Emergency Evacuation $50,000 per period of coverage - not subject to deductible or coinsurance Up to maximum limit - not subject to deductible or coinsurance $250,000 limit per person per certificate period Up to maximum limit - not subject to deductible or coinsurance Up to maximum limit - not subject to deductible or coinsurance Emergency Reunion NA $10,000 lifetime maximum $10,000 lifetime maximum $10,000 lifetime maximum $10,000 lifetime maximum Return of Mortal Remains $25,000 lifetime maximum per insured - not subject to deductible or coinsurance $25,000 lifetime maximum per insured - not subject to deductible or coinsurance $15,000 lifetime maximum per insured - not subject to deductible or coinsurance $25,000 lifetime maximum per insured - not subject to deductible or coinsurance $50,000 lifetime maximum per insured -not subject to deductible or coinsurance Remote Transportation NA NA NA NA Limited to $5,000 per certificate period up to a $20,000 lifetime maximum Political Evacuation and Repatriation NA NA NA NA Limited to $10,000 lifetime maximum Rx Coverage URC URC $5,000 per certificate period for each insured person, out-patient only URC Outside U.S. - URC Inside U.S. - Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available Other Services Extended care: first 30 days; Radiation: URC; Home nursing: 30 days per covered event; Hospice: 30 days; Prosthetic Devices: all URC URC URC - Radiation & Chemotherapy treatments (in and out-patient) limited to $10,000 per year; $50,000 lifetime maximum URC URC Physical Therapy Maximum $40 per visit - 30 visit maximum Maximum $50 per visit Maximum $50 per visit Maximum $50 per visit Maximum $50 per visit Complementary Medicine 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 URC URC URC URC Non-emergency Dental NA NA NA NA 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 $1,000 per period of coverage URC $500 per period URC URC Emergency Dental due to Sudden Unexpected Pain NA $100 per period of coverage $100 per period of coverage $100 per period of coverage See non-emergency dental benefits High School Sports Injury NA NA NA NA Up to $20,000 per certificate period Vision NA NA NA NA Exams - up to $100 Materials - up to $150 per 24 months Global Concierge & Assistance Services NA NA NA NA Included Pre-existing Conditions $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage $5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage SAAI Maternity Delivery, wellness, new born care & congenital disorders (not subject to deductible or coinsurance - available after 10 months of coverage Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) SAAI - $1,000 additional deductible, $50,000 lifetime maximum, $200 child wellness benefit for the first 12 months, new born care & congenital illness maximum of $250,000 for the first 31 days 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 Wordings are available upon request. 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.