International Medical Group

Global Medical Insurance

  • Best Suitable for: Individuals and families of any nationalty
  • Eligibility:
    • It is offered to the persons between the age of 14 days and 74 years old may apply for coverage
    • Persons 75 years of age and older are not eligible
  • Global Medical Plan offerspre-existing conditions coverage
  • UNDERWRITERS : Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company
  • ADMINISTRATOR : International Medical Group

Visitors Care Plans Highlights

POLICY MAXIMUM
  • Plan offers :
    Bronze-US$ 1,000,000
    Silver - US$ 5,000,000
    Gold, Gold Plus - US$ 5,000,000
    Platinum - US$ 8,000,000
Deductible
  • Per period of coverage:
    Bronze -US$250 to $10,000
    Silver -US$250 to $10,000
    Gold ,Gold Plus - US$250 to $25,000
    Platinum - US$100 to $25,000
Co-insurance
  • Treatment Outside the U.S. and Canada: Bronze, Silver, Gold, Gold Plus, Platinum - 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
  • Treatment Inside the U.S. (using Medical Concierge):
    • Bronze, Silver, Gold, Gold Plus, Platinum - 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
  • Treatment Inside the U.S. (PPO Network): Bronze, Silver, Gold, Gold Plus, Platinum - Subject to deductible. No coinsurance.
  • Treatment Inside the U.S. (Non PPO Network):
    • Bronze, Silver, Gold, Gold Plus - Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

Pre-Existing Conditions Coverage

Pre-Existing Condition Rider? :
  • BRONZE - Excluded
  • SILVER - $50,000 lifetime maximum; $5000 per period of coveraage for unknown conditions.Available after 24 months of continous coverage*
  • GOLD - $50,000 lifetime maximum; $5000 per period of coveraage for unknown conditions.Available after 24 months of continous coverage*
  • PLATINUM - Covered if disclosed and not excluded by rider

Benefits Details

Coverage Details BRONZE SILVER GOLD PLATINUM
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%
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 pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage
Crew Member Return $2,500 maximum limit.Not subject to deductible or coinsurance $2,500 maximum limit.Not subject to deductible or coinsurance $2,500 maximum limit.Not subject to deductible or coinsurance $2,500 maximum limit.Not subject to deductible or coinsurance
Interfacility Ambulance Transfer $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
Child Preventative Care 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.
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
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 Local Ambulance $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
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
Maternity N/A N/A N/A $50,000 lifetime maximum.
Newborn preventative care: $200
Newborn care & congenital disorders: $250,000 (first 31 days after birth).
Traumatic Dental Injury $1,000 per period of coverage $1,000 per period of coverage e Up to the lifetime maximum limit Up to the lifetime maximum limit
Surgery Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Chemotherapy or Radiation Therapy Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Physical Therapy $40 maximum per visit - 10 visit limit per event. $40 maximum per visit - 30 visit limit $50 maximum per visit $50 maximum per visit
Emergency Reunion $10,000 lifetime maximum.Not subject to deductible or coinsurance NA $10,000 lifetime maximum.Not subject to deductible or coinsurance $10,000 lifetime maximum.Not subject to deductible or coinsurance

Coinsurance

BRONZE : International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%

SILVER : International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%

GOLD : International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%

PLATINUM : International - 100%
U.S. in-network – 100%
U.S. out-of-network - 80%

Treatment outside the U.S.

BRONZE :50% of deductible waived,up to a maximum of $2,500.No coinsurance

SILVER : 50% of deductible waived,up to a maximum of $2,500.No coinsurance

GOLD : 50% of deductible waived,up to a maximum of $2,500.No coinsurance

PLATINUM :50% of deductible waived,up to a maximum of $2,500.No coinsurance

Treatment inside the U.S.using Medical Concierge

BRONZE :50% of deductible waived,up to a maximum of $2,500.No coinsurance

SILVER : 50% of deductible waived,up to a maximum of $2,500.No coinsurance

GOLD : 50% of deductible waived,up to a maximum of $2,500.No coinsurance

PLATINUM :50% of deductible waived,up to a maximum of $2,500.No coinsurance

Treatment inside the U.S. -PPO Network

BRONZE :Subject to deductible.No coinsurance

SILVER :Subject to deductible.No coinsurance

GOLD : Subject to deductible.No coinsurance

PLATINUM :Subject to deductible.No coinsurance

Treatment inside the U.S. -Non-PPO Network

BRONZE :Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage

SILVER :Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage

GOLD : Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage

PLATINUM :Subject to deductible.Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage

Maternity

BRONZE :N/A

SILVER :N/A

GOLD : N/A

PLATINUM :$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

Crew Member Return

BRONZE :$2,500 maximum limit.Not subject to deductible or coinsurance

SILVER :$2,500 maximum limit.Not subject to deductible or coinsurance

GOLD : $2,500 maximum limit.Not subject to deductible or coinsurance

PLATINUM :$2,500 maximum limit.Not subject to deductible or coinsurance

Interfacility Ambulance Transfer

BRONZE :$1,500 maximum limit per event.Not subject to deductible or coinsurance. U.S. only

SILVER :$1,500 maximum limit per event.Not subject to deductible or coinsurance. U.S. only

GOLD : Subject to deductible and coinsurance. U.S. only

PLATINUM :Not subject to deductible or coinsurance. U.S. only

Adult Preventative Care

BRONZE :N/A

SILVER :N/A

GOLD : $250 per period of coverage.Not subject to deductible or coinsurance.

PLATINUM :$500 per period of coverage. Not subject to deductible or coinsurance.

Child Preventative Care

BRONZE :N/A

SILVER :$70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance.

GOLD : $200 maximum per period of coverage. Not subject to deductible or coinsurance.

PLATINUM :$400 maximum per period of coverage. Not subject to deductible or coinsurance.

Assistant Surgeon

BRONZE : 20% of primary surgeon’s chargee.

SILVER : 20% of primary surgeon’s charge

GOLD : 20% of primary surgeon’s charge

PLATINUM : 20% of primary surgeon’s charge

Emergency Evacuation

BRONZE :$50,000 maximum per period of coverage. Not subject to deductible or coinsurance

SILVER : $50,000 maximum per period of coverage. Not subject to deductible or coinsurance

GOLD : Up to lifetime maximum limit.Not subject to deductible or coinsurance

PLATINUM :Up to maximum limit.Not subject to deductible or coinsurance

Return of Mortal Remains

BRONZE :$10,000 lifetime maximum.Not subject to deductible or coinsurance

SILVER : $25,000 lifetime maximum.Not subject to deductible or coinsurance

GOLD : $25,000 lifetime maximum.Not subject to deductible or coinsurance

PLATINUM :$50,000 lifetime maximum.Not subject to deductible or coinsurance

Emergency Local Ambulance

BRONZE :$1,500 maximum limit per event.Not subject to deductible or coinsurance

SILVER :$1,500 maximum limit per event.Not subject to deductible or coinsurance

GOLD : Subject to deductible and coinsurance

PLATINUM :Not subject to deductible or coinsurance

Traumatic Dental Injury

BRONZE :$1,000 per period of coverage

SILVER :$1,000 per period of coverage

GOLD : Up to the lifetime maximum limit

PLATINUM :Up to the lifetime maximum limit

Surgery

BRONZE :Subject to deductible and coinsurance

SILVER :Subject to deductible and coinsurance

GOLD : Subject to deductible and coinsurance

PLATINUM :Subject to deductible and coinsurance

Chemotherapy or Radiation Therapy

BRONZE :Subject to deductible and coinsurance

SILVER :Subject to deductible and coinsurance

GOLD : Subject to deductible and coinsurance

PLATINUM :Subject to deductible and coinsurance

Physical Therapy

BRONZE :$40 maximum per visit - 10 visit limit per event.

SILVER :$40 maximum per visit -30 visit limit

GOLD : $50 maximum per visit

PLATINUM :$50 maximum per visit

Emergency Reunion

BRONZE :$10,000 lifetime maximum.Not subject to deductible or coinsurance

SILVER :N/A

GOLD : $10,000 lifetime maximum. Not subject to deductible or coinsurance

PLATINUM :$10,000 lifetime maximum.Not subject to deductible or coinsurance

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