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1-877-778-4562
Global Medical Insurance is long-term, annually-renewable, major medical insurance that provides worldwide health insurance coverage to people of all nationalities. Global Medical Insurance is an ideal expatriate medical insurance plan for those who need a full range of medical benefits. The policy offers flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide. Global Medical Insurance provides you with a commitment to deliver world class health benefits, medical assistance and total peace of mind. The Global Medical Insurance offer a full range of benefits suited for individuals and families and you have a choice of plan options with lifetime benefit maximums upto USD 8 million. There are two coverage area options, worldwide or worldwide excluding the U.S. and Canada. Select the option choice that best fits your specific needs, you get coverage 24 hours a day with the freedom to choose any doctor or hospital for treatment. Global Medical Insurance is quoated annualy and an annual premium is applicable, other premium payment options factor additional cost and is available in semi-annual premiums, quarterly premiums, and monthly premium payment plans. The eligibility requirements for Global Medical Insurance along with the riders available are listed below.
Global Medical Insurance Plan DetailsGlobal Medical Insurance is long-term, annually-renewable, major medical insurance that provides worldwide coverage to individuals and families of all nationalities. This is an ideal plan for those who need a full range of medical benefits. As part of the eligibility requirements for Global Medical Insurance, US citizens must reside abroad or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months. Non-US citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-US citizens residing in the US. Global Medical Insurance Plan BenefitsGlobal Medical Insurance (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. 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.
The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the certificate wording for a complete description, which is available upon request. Policy ExclusionsAfter coverage has been in effect for 24 continuous months, Global Medical Insurance provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Medical Insurance offers a "rider" or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: tonsillectomy, disc disease, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate. OTHER EXCLUSIONS AND LIMITATIONS*
Global Medical Insurance
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