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 Silver Benefit Schedule

Benefit

Description

Lifetime Maximum Limit
$5,000,000 per individual
Deductible
per period of coverage
$250 to $10,000
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
  • 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).
  • All subject to $600 per day - 240 day max.
Intensive Care Unit
$1,500 per day - 180 days of coverage per event
Surgery
100%
Assistant Surgeon
20% of primary surgeon’s charge
Outpatient
  1. Office visits
  2. Diagnostic/X-Ray
  1. 25 visits: $70 doctor/specialist maximum limit; $60 psychiatrist maximum limit; $50 chiropractor maximum limit; $500 surgery intervention consultation maximum limit
  2. $250 X-Ray per exam maximum limit; $300 lab tests per exam maximum limit.
Chemotherapy or Radiation Therapy
URC
Transplants
$250,000 lifetime maximum
Emergency Room Illness
Additional $250 deductible if not admitted as an inpatient
100%
Emergency Room Accident
100%
Supplemental Accident
N/A
Local Ambulance
due to injury or illness resulting in hospitalization
$1,500 maximum limit per event - not subject to deductible or coinsurance.
Mental / Nervous
Outpatient after 12 months of continuous coverage.
Emergency Evacuation
Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance.
Emergency Reunion
N/A
Return of Mortal Remains
$25,000 lifetime maximum - not subject to deductible or coinsurance.
Remote Transportation
N/A
Political Evacuation & Repatriation
N/A
Child Wellness
Through age 18
3 visits per period of coverage - $70 maximum per visit. Available after 12 months of continuous coverage.
Adult Wellness
Through age 18
N/A
Recreational Scuba
N/A
Rx Coverage
100%
Physical Therapy
Maximum $40 per visit - 30 visit maximum.
Complementary Medicine
N/A
Non-Emergency Dental
Optional Rider
Emergency Dental
due to accident
$1,000 per period of coverage
Emergency Dental
due to sudden unexpected onset of pain
N/A
Vision
Optional Rider
Maternity
Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)
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.
Pre-Existing Conditions Limitation
$50,000 lifetime maximum; $5,000 per period of coverage after 24 months

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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