Brochure & Details links |
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Underwriter |
Global Medical Bronze Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Global Medical Silver Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Global Medical Gold Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Global Medical Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation |
Rating |
Global Medical Bronze Insurance Rating
AM Best Rating: "A" (Excellent) |
Global Medical Silver Insurance Rating
AM Best Rating: "A" (Excellent) |
Global Medical Gold Insurance Rating
AM Best Rating: "A" (Excellent) |
Global Medical Platinum Insurance Rating
AM Best Rating: "A" (Excellent) |
Plan Highlights |
Most economical global coverage |
Cheapest and offers limited coverage |
Short term comprehensive coverage |
Long term comprehensive enhanced coverage including dental and vision benefits |
Lifetime Maximum Limit |
$1 million/individual |
$5 million/individual |
$5 million/individual |
$8 million/individual |
Deductible (Per Period of Coverage): |
$250 to $10,000 |
$250 to $10,000 |
$250 to $25,000 |
$100 to $25,000 |
Optional Coverage at additional cost |
Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision |
Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision |
Global Term Life Insurance including Accidental Death & Dismemberment; Adventure Sports Rider; Dental and Vision |
Global Term Life Insurance including Accidental Death & Dismemberment; Terrorism; Adventure Sports Rider; |
Emergency evacuation (not subject to deductible or coinsurance) |
Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. |
Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. |
Up to lifetime maximum limit. Not subject to deductible or coinsurance. |
Up to maximum limit. Not subject to deductible or coinsurance. |
Emergency Reunion |
$10,000 lifetime maximum |
No Coverage |
$10,000 lifetime maximum |
$10,000 lifetime maximum |
Return of Mortal Remains (not subject to deductible or coinsurance) |
$10,000 lifetime maximum |
$25,000 lifetime maximum |
$25,000 lifetime maximum |
$50,000 lifetime maximum |
Child Wellness (Under 18 years of age) |
No Coverage |
$70 maximum per visit, 3 visit per period of coverage |
$200 maximum per period of coverage |
$400 maximum per period of coverage |
Adult Wellness |
No Coverage |
No Coverage |
$250 per period of coverage |
$500 per period of coverage |
Maternity |
No Coverage |
No Coverage |
No Coverage |
$2,500 deductible per pregnancy.
$50,000 lifetime maximum.
$200 newborn wellness benefit for the first 31 days - 12 months after birth.
Newborn care & congenital disorders maximum of $250,000 for the first 31 days after birth. |
Non Emergency Dental |
Optional Rider |
Optional Rider |
Optional Rider |
$750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services. |
Non Emergency Dental due to Accident |
No Coverage |
No Coverage |
$500 per period of covergae |
$750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services. |
Emergency Dental due to Sudden Unexpected Pain, Natural Teeth |
No Coverage |
No Coverage |
$100 per period of coverage |
Covered 100% |
Traumatic Dental Injury |
$1,000 per period of coverage |
$1,000 per period of coverage |
Up to lifetime maximum limit |
Up to lifetime maximum limit |
Hospital Indemnity (Inpatient hospitalisation outside the U.S. only) |
Private Hospitals: $400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals: $500 per overnight and $5,000 maximum limit per calendar year. |
Treatment outside / inside the U.S. (using Medical Concierge) |
50% of deductible waived, up to maximum of $2,500. No coinsurance |
Treatment inside the U.S. |
PPO Network: Subject to deductible. No coinsurance
Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit.
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Coinsurance |
International - 100%; U.S. in-network - 100%; U.S out-of-network - 80% |
Pre-Existing Conditions Limitation |
Excluded |
$50,000 lifetime maximum; $5,000 per period of coverage after 24 months |
$50,000 lifetime maximum; $5,000 per period of coverage after 24 months |
Covered if disclosed and not excluded by rider |
Local Ambulance (U.S. only) |
$1,500 maximum limit per event |
$1,500 maximum limit per event |
Subject to deductible and coinsurance. |
Subject to deductible and coinsurance. |
Outpatient Treatments |
Diagnostic / X-Ray: $250 maximum per visit
Lab tests: $300 maximum per visit
Specialists / Physician charges: $500 maximum limit (pre-inpatient / post-inpatient)
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Diagnostic / X-Ray: $250 maximum per visit
Lab tests: $300 maximum per visit
Specialists / Physician charges: $70 per visit/examination (25 combined maximum visits)
Chiropractor charges: $50 per visit / examination
Surgery intervention consultation charges: $500 per consultation
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Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Mental / Nervous |
No Coverage |
Subject to deductible and coinsurance. Outpatient after 12 months of continuous coverage |
Subject to deductible and coinsurance. $10,000 maximum. Avaliable after 12 months of continuous coverage |
Subject to deductible and coinsurance. $50,000 lifetime maximum. Avaliable after 12 months of continuous coverage |
Hospitalization/ Room & Board |
Subject to deductible and coinsurance for average semiprivate room rate |
Subject to deductible and coinsurance for average semiprivate room rate.All subject to $600 per day /240 day maximum |
Subject to deductible and coinsurance for average semiprivate room rate |
Subject to deductible and coinsurance for average semiprivate room rate |
Intensive Care Unit |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance.$1,500 limit per day - 180 days of coverage per event |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Surgery |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Assistant Surgeon |
20% of primary surgeon’s charge |
20% of primary surgeon’s charge |
20% of primary surgeon’s charge |
20% of primary surgeon’s charge |
Chemotherapy or Radiation Therapy |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
Podiatry Care |
No Coverage |
No Coverage |
$750 per period of coverage |
$750 per period of coverage |
Physical Therapy |
Subject to deductible and coinsurance.$40 maximum per visit - 10visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery |
Subject to deductible and coinsurance.$40 maximum per visit -30 visit limit |
Subject to deductible and coinsurance.$50 maximum per visit |
Subject to deductible and coinsurance.$50 maximum per visit |
Transplants |
$250,000 lifetime maximum |
$250,000 lifetime maximum |
$1,000,000 lifetime maximum |
$2,000,000 lifetime maximum |
Prescription Coverage |
Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event |
Subject to deductible and coinsurance. 90-day supply per prescription following related covered event |
Subject to deductible and coinsurance. 90-day supply per prescription. Outpatient only |
International - 100% Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available.90-day supply per prescription |
Healthy Travel Preventative Coverage |
$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination |
$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination |
$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination |
$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination |
Vision |
Optional Rider |
Optional Rider |
Optional Rider |
$100 maximum per 24 months for exams. $150 per 24 months for materials |
Political Evacuation and Repatriation |
No Coverage |
No Coverage |
No Coverage |
$10,000 lifetime maximum |
Unique Advantages |
Global Medical Bronze Insurance Advantages:
- It is a fixed plan.
- Higher deductible options for the insured to choose from.
- Refund of full premium if policy cancellation request is received within 15 days of receipt of the relevant insurance documents.
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Global Medical Silver Insurance Advantages:
- It is a fixed benefit plan.
- Higher deductible options for the insured to choose from.
- Refund of full premium if policy cancellation request is received within 15 days of receipt of the relevant insurance documents.
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Global Medical Gold Insurance Advantages:
- It is a comprehensive coverage plan.
- Adult and child wellness benefit available.
- Mental/Nervous: $10,000/period of coverage, $50,000 Lifetime benefit, available after 12 months of continuous coverage.
- Freedom to choose your health care provider
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Global Medical Platinum Insurance Advantages:
- It is a comprehensive coverage plan.
- Has a plan covering up to $8 million for lifetime of the policy.
- Maternity benefit of up to $50,000 (lifetime benefit).
- Freedom to choose your health care provider.
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