Global Medical Insurance
Annually renewable worldwide medical insurance program for individuals and families
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.
**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).
Global Medical Insurance is designed to help protect individuals and families from the high cost of medical expenses. In addition to tailored benefits packages, the program offers several optional coverages. You may review and choose any from the following list that meet your needs. To apply, simply add in the appropriate information and premiums, as outlined in the application, into the calculation for the total.
Individual Term Life Insurance
(Amounts shown are the Principal Sums per unit)
|31 days - 18||$5,000|
Accidental Death & Dismemberment (AD&D)
(included with Individual Term Life Insurance)
|Accidental Loss of Life||Principal Sum*|
|Accidental Total Loss of 2 body parts**||Principal Sum*|
|Accidental Total Loss of 1 body part**||50% of Principal Sum*|
*Benefit based on age at time of death.
**"body part" means hand, foot or eye.
(Gold and Platinum plan options)
(Refer to rider for a list of sports excluded)
$10,000 lifetime maximum for amateur athletics
Through age 49 years: $50,000 lifetime maximum
Age 50 years through age 59 years: $30,000 lifetime maximum
Age 60 years through age 64 years: $15,000 lifetime maximum
(Platinum plan option)
$50,000 lifetime maximum for Eligible Medical Expenses arising out of Injury or Illness incurred by the Insured as a result of or in connection with an act of terrorism. (Refer to rider for more details)
(Bronze, Silver and Gold plan options)
- $750 per period of coverage
- $50 deductible (max. 2 per family)
- Class I - 90% (deductible is waived),
- Class II - 70%, Class III - 50%
- 6 month waiting period
- Exams - up to $100
- per 24 months
- Materials - up to $150
- per 24 months
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.