GlobeHopper Multitrip travel medical insurance, International Medical Group (IMG) GlobeHopper Multitrip travel insurance

Plan details of Globehopper Multi-trip Insurance

GlobeHopper Multi-trip Insurance Eligibility
- GlobeHopper is available to eligible persons (younger than 76) of any nationality worldwide that are travelling outside their home country during period of 12 months cover.If you have multiple residences or passports, then the country listed on the application form will be considered your home country.
- For USA citizens, the home country is both the United States and your primary residence or usual place of abode. USA citizens, in addition to the above:
  - USA citizens requiring Worldwide coverage will have an annual limit of 60 total days of coverage in the USA;
  - Only brief returns to the USA are covered under the Citizenship Return Coverage or the Incidental Home Trip Coverage, as applicable.
- For all insured persons, they currently have a domestic health insurance policy(individual or group), or have access to state or government provided public healthcare facilities in their home country, and maintain access to this cover the entire time while covered under the GlobeHopper Multi-Trip plan.
- Eligibility to purchase, extend or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including the USA Patient Protection and Affordable Care Act (PPACA).
GlobeHopper Multi-trip Insurance Exclusions
1. A Pre-existing Condition which is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom, whether or not previously manifested or known, diagnosed, treated, or disclosed.
2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
3. War, military action, terrorism, political insurrection, protest, or any act thereof. We will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the insured person’s date of arrival in the host country.
4. Immunisations and routine physical exams.
5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the plan.
6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrolment into this insurance.
7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilisation or reversal thereof, or abortion.
8. Any illness or injury sustained while taking part in: Amateur Athletics, Professional Athletics, or other athletic activity that is sponsored or sanctioned by any collegiate sanctioning or governing body, or the International Olympic Committee. The following Adventure Sports are excluded unless the Adventure Sports Option is purchased: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating (with proper use of helmet and pads), jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m above ground level), scuba diving (to 50m), skydiving, snowboarding, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity.
  Injury sustained while participating in contact sports of any kind, racing of any kind, any rodeo activity, BASE jumping, kiteboarding, mountaineering or climbing or trekking above elevation 4500 meters above ground level or without proper ropes or guides; luge, motocross, Moto-X, ski jumping, sub-aquatic activities below 50 meters, whitewater rafting exceeding Class V difficulty; and/or adventure sports activity not expressly covered hereunder are excluded regardless of which plan or option is selected.
9. Vision or ear tests and the provision of visual or hearing aids.
10. Vocational, recreational, speech or music therapy.
11. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
12. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission of a violation of law by the insured person, including, without limitation, the engaging in an illegal or malicious occupation or act, but excluding minor traffic violations.
13. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
14. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
15. Willful self-inflicted injury or illness.
16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
18. Treatment for mental and nervous disorders.
19. Organ or tissue transplants or related services.
20. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as expressly provided for in the Policy Wording.
21. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
22. Travelling against the advice of a medical practitioner.
23. Charges first incurred for illness or injury beyond the maximum trip duration.
24. Any infection of the urinary tract (or illness arising therefrom), that occurs within ninety (90) days of the effective date of coverage and that requires treatment of the insured person in a hospital; provided that any such illness will be deemed by us to be a Pre-existing Condition.
Conditions of Cover
- The period of cover is for one year from the effective date of the certificate of insurance.
- Cover and benefits are subject to the applicable excess, coinsurance and all the terms and conditions of the plan and policy wording.
- Cover under the GlobeHopper Multi0trip plan is secondary to any other cover or contractual bebefits.
- Charges must be administered or ordered by a medical practitioner.
- Cover and benefits are for medically necessary, usual, reasonable and customary charges only.Benefits under the plan are available only for injuries and illness for which treatment is first obtained during the first 30 or 45 days of each trip based on the plan chosen.
- Charges must be admistered or ordered by a medical practitioner.
- Charges must be incurred during period of cover.
- Claims must be presented to IMG for payment with in 90 days from the date the claim was incurred.

Plan benefits of GlobeHopper Multi-trip insurance

Hospital room and board	Up to the Maximum Limit
Intensive care unit	Up to the Maximum Limit
Medical Expenses	Up to the Maximum Limit
Out-Patient Medical Expenses	Up to the Maximum Limit
Emergency Local Ambulance	Up to the Maximum Limit
Prescription Drugs	Up to the Maximum Limit
Emergency Room Accident	Up to the Maximum Limit
Emergency Illness - with In-patient Admission	Up to the Maximum Limit
Emergency Illness - without In-patient Admission	Up to Maximum Limit with an additional $250 / £150 / €200 Excess
Dental – Injury due to Accident	Up to the Maximum Limit
Dental - Sudden Dental Pain	Up to $550 / £90 / €115
State Hospital Cash Benefit	$100 / £60 / €75 per night up to a maximum of 14 nights
Reciprocal Health Agreement Benefit	Nil Excess - When a claims saving is made due to a European Health Insurance Card (EHIC) or Reciprocal Health Agreement

Emergency medical evacuation	Up to Maximum Limit
Emergency reunion	Up to $50,000 / £30,000 / €40,000
Return of mortal remains or cremation/burial	Up to $50,000 / £30,000 / €40,000
Return of minor children	Up to $50,000 / £30,000 / €40,000
Security and Political Evacuation	Up to $10,000 / £6,000 / €75,000
24 Hour Emergency Medical Help Line	Included
Identity Theft Assistance	Up to $500 / £300 / €400 per period of coverage
Natural disaster evacuation	$250 / £150 / €200 per day for up to five days

Accidental death & dismemberment	Up to $25,000 / £16,000 / €20,000 principle sum
Common carrier accidental death	Up to $50,000 / £30,000 / €40,000 to beneficiary; Up to $250,000/ £160,000 /$200,000 per family
Terrorism	Up to $50,000 / £30,000 / €40,000 lifetime maximum
Citizenship Return Coverage	You are covered for trips to your Country of Citizenship provided it is within your Area of Cover. For USA Citizens: Cover is provided for U.S citizens returning briefly to the U.S. is limited to the cumulative maximum of 60 days of return U.S. cover within a 12-month period.

Adventure Sports Option	Age 0 to 49 years: $50,000 / £30,000 / €40,000 lifetime maximum limit Age 50 to 59 years: $30,000 / £18,000 / €24,000 lifetime maximum limit Age 60-64 years: $15,000 / £9,300 / €11,500 lifetime maximum limit
Evacuation Plus	Non-Life Threatening Medical Evacuation: Up to $25,000/ £15,000 / €20,000 Natural Disaster Evacuation: Up to $5,000/ £3,000 / €4,000

Area of Cover Options	Europe Worldwide excluding USA & Canada Worldwide including USA & Canada
Available After Departure	yes
Coverage Extension Period	Unlimited number of trips per 12-month policy period.Options: 30 or 45 days max duration per trip.
World-class Medical Benefits	Coverage available for In-Patient and Out-Patient medical expenses. Freedom to choose any Hospital, Clinic or Doctor in your area of cover.

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