| Covid19 coverage |
| Covered |
Covered |
Covered |
Covered |
| Plan maximum per injury/sickness |
| $50,000 |
$75,000 |
$100,000 |
$130,000 |
| Inpatient |
| Hospital room and 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 |
| 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 |
| 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 |
| Podiatry Care |
| No Coverage |
No Coverage |
$750 per period of coverage |
$750 per period of coverage |
| 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 |
| 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)
|
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
|
Subject to deductible and coinsurance |
Subject to deductible and coinsurance |
| Maternity |
| 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. |
| 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 |
| Local Ambulance (U.S. only) |
| Emergency local ambulance |
| $1,500 maximum limit per event |
$1,500 maximum limit per event |
Subject to deductible and coinsurance. |
Subject to deductible and coinsurance. |
| Dental |
| Emergency Dental due to Sudden Unexpected Pain, Natural Teeth |
| No Coverage |
No Coverage |
$100 per period of coverage |
Covered 100% |
| 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. |
| 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 |
| Pre-Existing Condition |
| 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 |
| Evacuation |
| Emergency medical evacuation |
| 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 or cremation/burial |
| $10,000 lifetime maximum |
$25,000 lifetime maximum |
$25,000 lifetime maximum |
$50,000 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.
|
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.
|
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
|
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.
|
| Travel Insurance |
| 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) |
| Underwriter |
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