Global Medical Insurance

From International Medical Group

Annually renewable, GMI Gold, Gold Plus and Platinum are comprehensive international medical insurance plans that provide coverage for people living outside of the US for at least 6 months per year.

Quote & Apply

GMI Gold Benefit Schedule

Benefits
1st 36 Months
Beginning Month 37
Lifetime Maximum Limit
$5,000,000 lifetime per individual
$5,000,000 lifetime per individual
Deductible
per period of coverage
$250 to $10,000
$250 to $10,000
Deductible Carry Forward
Included
Included
Treatment outside the US
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.
Treatment inside the U.S.
PPO Network
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.
Hospitalization / Room & Board
  • In US: 100% of average semi-private room rate.
  • Outside of US: 100% of private room rate (not to exceed 150% of semi-private room rate).
Up to a limit of $2,250 per day
Intensive Care Unit
100%
Up to a limit of $4,500 per day
Surgery
100%
100%
Assistant Surgeon
20% of primary surgeon’s charge
20% of primary surgeon’s charge
Outpatient
  1. Office visits
  2. Diagnostic/X-Ray
100%
  1. Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 co-pay.
  2. Diagnostic Lab and X-Rays limited to $5,000 per period of coverage.
Chemotherapy or Radiation Therapy
URC
$10,000 Maximum per Period of Coverage, $50,000 Lifetime Maximum
Transplants
$1,000,000 lifetime maximum
$500,000 lifetime maximum
Emergency Room Illness
Additional $250 deductible if not admitted as an inpatient
100%
100%
Emergency Room Accident
100%
100%
Supplemental Accident
$300 of Eligible Medical Expenses following an accident
$300 of Eligible Medical Expenses following an accident
Local Ambulance
due to injury or illness resulting in hospitalization
100%
$100 maximum limit per event - not subject to deductible or coinsurance.
Mental / Nervous
$10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage.

$30,000 lifetime maximum, and $2,500 maximum per period of coverage.

Additional Sub-limit: .

  • Inpatient: limited to 25 days perperiod of coverage
  • Outpatient: Plan pays 70% of Eligible Medical Expenses up to $75 maximum per visit. Limited to 20 visits per period of coverage.
Emergency Evacuation
Up to maximum limit. Not subject to deductible or coinsurance.
$250,000 maximum per period of coverage. Not subject to deductible or coinsurance.
Emergency Reunion
$10,000 lifetime maximum
$10,000 lifetime maximum
Return of Mortal Remains
$25,000 lifetime maximum - not subject to deductible or coinsurance.
$15,000 lifetime maximum - not subject to deductible or coinsurance.
Remote Transportation
N/A
N/A
Political Evacuation & Repatriation
N/A
N/A
Child Wellness
Through age 18
$200 maximum per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage.
$200 maximum per period of coverage - not subject to deductible or coinsurance.
Adult Wellness
Age 19 or older
$250 maximum per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage.
$250 maximum per period of coverage - not subject to deductible or coinsurance.
Recreational Scuba
100%
100%
Rx Coverage
100%
$5,000 per period of coverage - outpatient only. 90-day supply per prescription.
Physical Therapy
Maximum $50 per visit.
Maximum $50 per visit - $1,000 maximum per period of coverage. $10,000 lifetime maximum.
Complementary Medicine
  • Acupuncture $150;
  • Aroma Therapy $50;
  • Herbal Therapy $50;
  • Magnetic Therapy $75;
  • Massage Therapy $150;
  • Vitamin Therapy $100.

Each per period of coverage. Not subject to deductible or coinsurance.

  • Acupuncture $150;
  • Aroma Therapy $50;
  • Herbal Therapy $50;
  • Magnetic Therapy $75;
  • Massage Therapy $150;
  • Vitamin Therapy $100.

Each per period of coverage. Not subject to deductible or coinsurance.

Non-Emergency Dental
Optional Rider
Optional Rider
Emergency Dental
due to accident
100%
$500 per period of coverage
Emergency Dental
due to sudden unexpected onset of pain
$100 per period of coverage
$100 per period of coverage
Vision
Optional Rider
Optional Rider
Maternity
Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)
N/A
N/A
Hospital Indemnity
Outside the US only
  • Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
  • Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
  • Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
  • Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Pre-Existing Conditions Limitation
$50,000 lifetime maximum; $5,000 per period of coverage after 24 months
$50,000 lifetime maximum; $5,000 per period of coverage

Medical Concierge

Whether you are seeking care at a local facility or in an unfamiliar location, quality of care is a primary concern. IMG’s Medical Concierge program is designed to provide you with critical information and to assist you in making the right decision for treatment. Your personal Medical Concierge will review your specific non-emergency medical condition and provide you with information on provider ratings, past outcomes and general costs — all in the area where you are planning treatment.

You will be entitled to receive a reduction in your deductible for utilizing this unique medical service while in the United States. This level of individualized service is unmatched in the international arena.

The Family Matters® Maternity Program

This program is designed to provide you with educational information on your pregnancy, and suggestions for a healthy lifestyle for the expecting mom and family. A complimentary copy of the book “What to Expect When You’re Expecting” is provided to help answer the day-to-day questions faced by all expectant families. This program can also assist you in early detection of potential pregnancy complications, and encourage proper prenatal medical treatment. (Available on the Platinum plan option only)

Financial Stability

Our globally recognized underwriters, A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd’s, offer the financial security and reputation demanded by international consumers.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

InsuranceQuest.com is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

[ learn more ]