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Plan Benefits
Global Medical Insurancesm (GMI) covers the Usual, Reasonable
and Customary (URC) charges for eligible expenses in the area where
you receive treatment. For each individual, whether needing student
insurance, traveler insurance, expat insurance or other, will only
need to satisfy their deductible once per policy period (12 months)
with a maximum of three deductibles per family. 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 then 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% of eligible expenses up to the policy maximum.
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MEDICAL INSURANCE
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BENEFIT
Subject to deductible and
coinsurance
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Coverage Area
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Worldwide
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Policy Maximum Per Individual
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US$5,000,000 lifetime
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Hospitalization
Semi-private 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
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URC
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Intensive Care Unit
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URC
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Surgery
Surgical care • Second surgical opinion • Anesthetics • Physician
charges for surgery • Treatment, services and supplies
routinely provided
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URC
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Transplants
Limited to certain transplants and covered only within IMG's
independent PPO Transplant Facilities
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US$500,000 lifetime
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Outpatient
Emergency treatment of illness or injury • Surgery • Rehabilitative
treatment • Treatment, services or supplies routinely
provided • Prescription medication
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URC
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Emergency
Surgery or dental treatment following an accident • Emergency
room following an accident
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URC
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Emergency Transportation by
Ground Ambulance
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URC
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Emergency Medical Evacuation
Included with Emergency Medical Evacuation is an Emergency
Reunion benefit of US$10,000 lifetime
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US$50,000 lifetime
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Repatriation
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US$25,000
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Supplemental Accident
The first $300 will be covered for each accidental injury
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US$300 per occurrence (not subject to
the deductible or coinsurance)
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Maternity
Available after 12 months of continuous coverage • Pre
and Post-natal care • Normal delivery or C-section • Well
baby care and treatment of newborn for first 31 days
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US$25,000 lifetime
maximum of US$5,000 for normal delivery for each pregnancy;
maximum of US$7,500 for C-Section delivery for each pregnancy
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Newborns
Eligible newborn children may be added without evidence of
insurability under certain circumstances • An application
form must be submitted within 31 days of child's birth
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URC
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Child Wellness
Available for eligible children from 14 days to 18 years
of age after 12 months of continuous coverage
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US$50 maximum per visit; US$150 per policy
period (not subject to deductible or coinsurance)
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Pre-existing Conditions
After 24 months of continuous coverage
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US$50,000 lifetime (maximum of US$5,000
per policy period)
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Mental/Nervous Care
Available after 12 months of continuous coverage • Inpatient
and outpatient care by a licensed psychiatrist
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US$10,000 per period,
US$25,000 lifetime
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Wellness
Females age 35 and over after 24 months on the plan • Routine
physicals • Mammogram, ob/gyn visit, etc. (exams must
be separated by 12 months)
Males age 35 and over, after 24 months on
the plan • Routine physicals (exams must be separated
by 12 months)
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US$250 per policy period
(not subject to deductible or coinsurance)
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Complementary Medicine
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(Each per policy period)
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Acupuncture
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US$150
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Aroma Therapy
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US$50
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Herbal Therapy
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US$50
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Magnetic Therapy
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US$75
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Massage Therapy
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US$150
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Vitamin Therapy
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US$100
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Other
Chiropractor when referred by a physician • Radiation
treatment • Home nursing care • Hospice care • Physical
therapy (maximum US$50 per visit) • Prosthetic devices
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URC
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This is a summary of benefits only, and is subject
to the specific terms and conditions of the plan concerning eligible
benefits, limitations, eligibility and exclusions thereunder. Please
refer to the policy wording for a complete description, available
upon request.
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