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GLOBAL MEDICAL INSURANCESM

BENEFITS

Global Benefits | Global Premiums


Global Medical Insurancesm (GMI) covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per policy period (12 months) with a maximum of three deductibles per family per calendar year. 
For eligible expenses incurred in the U.S. and Canada:
once the deductible is met, GMI pays 80% of the next US$5000 in eligible expenses the 100% of eligible expenses up to the policy maximum. 
For eligible expenses incurred outside the U.S. and Canada:
once the deductible is met, GMI will pay 100% up to the policy maximum.


MEDICAL INSURANCE                    BENEFIT             
Subject to deductible and coinsurance
Coverage Area
Worldwide

Policy Maximum Per Individual
Hospitalization

Semiprivate room and board, Nursing services, Prescription medication, Physician charges, Diagnostic and laboratory testing, X-rays, Chemotherapy and radiation, Durable medical equipment, Treatment, services and supplies routinely provided.
US$5,000,000 lifetime
Intensive Care Unit
URC

Surgery
Surgical care, Second surgical opinion, Anesthetics, Physician charges for surgery, Treatment, services and supplies routinely provided.

URC
Transplants
Covered only within IMG's PPO Transplant Facilities.
US$500,000 lifetime
Outpatient
Emergency treatment of illness or injury, Surgery, Rehabilitative treatment, Treatment, services or supplies routinely provided, Prescription medication.
URC
Emergency
Surgery or dental treatment following an accident, Emergency room following an accident.
URC
Emergency Transportation by
Ground Ambulance
URC
Emergency Medical Evacuation
Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime.
US$50,000 lifetime
Repatriation US$25,000
Supplemental Accident
The first $300 will be covered for each accidental injury.
US$300 per occurrence (not subject to the deductible or coinsurance)
Maternity
After 12 months of continuous coverage, Pre and Postnatal care, Normal delivery or C-section, Well baby care and treatment of newborn coverage for first 31 days.
US$25,000 lifetime
maximum of US$5,000 for normal delivery for each pregnancy lmaximum of US$7,500 for C-Section delivery for each pregnancy
Newborns
Eligible newborn children may be added without evidence of insurability.  An application must be submitted within 31 days of child's birth.
URC
Child Wellness
Available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage.
US$50 maximum per visit; US$150 per policy period (not subject to deductible or coinsurance)

Pre-existing Conditions
After 24 months of continuous coverage.

US$50,000 lifetime (maximum of US$5,000 per policy period)
Mental/Nervous Care
After 12 months of continuous coverage, Inpatient and outpatient care by a  licensed psychiatrist.
US$10,000 per period,
US$20,000 lifetime
Wellness
Females age 35 and over after 24 months on the plan. Routine physicals l Mammogram, ob/gyn visit, etc. (exams must be separtated by 12 months)

Males age 40 and over, after 24 months on the plan  Routine physicals. (exams must be separated by 12 months)

US$250 per period
(not subject to deductible or coinsurance)
Complimentary Medicine  
Acupuncture US$150
Aroma Therapy US$50
Herbal Therapy US$50
Magnetic Therapy US$75
Massage Therapy US$150
Vitamin therapy US$100
Other
Chiropractor when referred by a physician, Radiation treatment, Home nursing care, Hospice care, Physical therapy (maximum US$50 per visit), Prosthetic devices.
URC
Other
Chiropractor when referred by a physician.
  • Radiation treatment
  • Home nursing care, Hospice care
  • Physical therapy (maximum US$50 per visit)
  • Prosthetic devices
100%

 

 

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1340 Centre Street #203
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800-777-5765
617-964-4849
Email: info@internationalbenefits.com

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