Global Mission Medical Insurance

From International Medical Group

Annually renewable, GMMI Bronze, Silver, Gold, Gold Plus and Platinum are international medical insurance plans that are designed for Missionaries living outside of the US for at least 6 months per year.

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GMMI Platinum Benefit Schedule

Benefit

Description

Lifetime Maximum Limit
$8,000,000 per individual
Deductible
per period of coverage
$250 to $25,000
Deductible Carry Forward
Included
Treatment outside the US
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.
Treatment inside the U.S.
PPO Network
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.
Hospitalization / Room & Board
Private Room Rate
Intensive Care Unit
100%
Surgery
100%
Assistant Surgeon
20% of primary surgeon’s charge
Outpatient
  1. Office visits
  2. Diagnostic/X-Ray
100%
Chemotherapy or Radiation Therapy
URC
Transplants
$2,000,000 lifetime maximum
Emergency Room Illness
Additional $250 deductible if not admitted as an inpatient
100%
Emergency Room Accident
100%
Supplemental Accident
$500 of Eligible Medical Expenses following an accident
Local Ambulance
due to injury or illness resulting in hospitalization
100%
Mental / Nervous
$50,000 lifetime maximum - Available after 12 months of continuous coverage.
Emergency Evacuation
Up to maximum limit. Not subject to deductible or coinsurance.
Emergency Reunion
$10,000 lifetime maximum
Return of Mortal Remains
$50,000 lifetime maximum - not subject to deductible or coinsurance.
Remote Transportation
Up to $5,000 per period of coverage up to $20,000 lifetime maximum
Political Evacuation & Repatriation
Up to $10,000 lifetime maximum
Child Wellness
Through age 18
$400 maximum per period of coverage - not subject to deductible or coinsurance. Available after 6 months of continuous coverage.
Adult Wellness
Through age 18
$500 maximum per period of coverage - not subject to deductible or coinsurance. Available after 6 months of continuous coverage.
Recreational Scuba
100%
Rx Coverage
  • Outside U.S. - 100%.
  • Inside U.S. - Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available.
Physical Therapy
Maximum $50 per visit.
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.

Non-Emergency Dental

$750 maximum per period of coverage; $50 individual deductible per period of coverage.

Schedule of Benefits:

  • Class I 90% (deductible is waived);
  • Class II 70%;
  • Class III 50%;

6-month waiting period.

Emergency Dental
due to accident
100%
Emergency Dental
due to sudden unexpected onset of pain
See Non-Emergency Dental benefit.
Vision
  • Exams - up to $100 maximum per 24 months.
  • Materials - up to $150 per 24 months.
Maternity
Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)
$2,500 deductible per pregnancy. $50,000 lifetime maximum. $200 newborn wellness benefit for the first 12 months after birth. Newborn care & congenital disorders maximum of $250,000 for the first 31 days after birth.
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.
Pre-Existing Conditions Limitation
Same as any illness

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.

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