International Medical Group

Global Crew Medical Insurance

BEST SUITABLE FOR:
  • Professional marine captains and crew
ELIGIBILITY:
  • It is available to individuals and families less than 75 years of age
Global Crew offers pre-existing conditions coverage, for individuals with comprehensive health insurance and no significant break in coverage (63 days)
UNDERWRITERS: Sirius International Insurance Corporation, a White Mountains Insurance Group Company
ADMINISTRATOR:International Medical Group

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Advantages?
Disadvantages?

Plans Highlights

POLICY MAXIMUM
Plan offers:
  • Bronze - US$ 1,000,000
  • Silver - 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
  • Platinum - US$100 to $10,000
COINSURANCE
  • Treatment Outside the U.S. and Canada: 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): 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): Silver, Gold, Gold Plus, Platinum - Subject to deductible. No coinsurance.
  • Treatment Inside the U.S. (Non PPO Network): 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: Plan not included
  • SILVER: $50,000 lifetime maximum; $5,000per period of coverage for unknown conditions. Available after 24 months of continuous coverage
  • GOLD: $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage
  • PLATINUM: Covered if disclosed and not excluded by rider

Benefits Details

Coverage 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 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 N/A $10,000 lifetime maximum.Not subject to deductible or coinsurance $10,000 lifetime maximum.Not subject to deductible or coinsurance

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