Global Medical Platinum Insurance

Annually renewable worldwide medical insurance program for individuals and families

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Global Medical Platinum Insurance Cost, Global health insurance cost

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Global Medical Platinum Insurance

IMG Global Medical Platinum health Insurance offers superior and high class benefits to global travelers.This plan is a long-term worldwide medical insurance available for individuals and families of all nationalities. U.S. citizens must plan to be residing outside U.S.G .The plan is most suitable for travelers who require comprehensive medical, dental and visions benefits in a single plan.

Key Benefits of Global Medical Platinum Insurance

Preventative Coverage

Emergency medical evacuation

Maternity

Non-Emergency Dental

Pre-existing condition

Adventure sports

Global Medical Platinum insurance Reviews

Policy maximum
$1M

Deductible options
$250 $500 $1k $2.5k $5k $10k

Insurance provider
International Medical Group

Global Medical Platinum Rating
AM Best Rating: "A" (Excellent)

Global Medical Platinum Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Plan life
Lifetime

Coinsurance of Global Medical Platinum

In Network - The plan pays 100%

100%

Out of Network

80%

The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

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Global Medical Platinum

Global Medical Insurance
Benefits
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Advantages
Disadvantages
Group insurance
Fixed benefit plan
Fixed benefit plan
Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
Cheapest options in the market definitely more affordable.
Fixed benefits plans are have specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
Application

Global Medical Platinum insurance - Key Highlights

Global Medical Platinum health Insurance offers superior and high class benefits to global travelers
This plan provides worldwide coverage for Non-US citizens.
This plan covers maternity and new born care
US citizens who reside outside of the US for at least 6 months of the next 12 months to be eligible for this plan.
Global Medical platinum plan is available for individuals from the age range of 14 days to 74 years. The coverage ends at 75 years of age.
This plan has a maximum lifetime of 365 days.

IMG Global Medical Platinum health insurance summary

Global Medical Platinum insurance Eligibility

Individuals and families of any nationality.
Applicant's age must be between 14 days to 74 years. Travelers aged 75 years and above are not eligible and the coverage will end at 75 years.
US citizens must reside abroad or must leave US on the effective date and plan to reside outside US for atleast six of the next twelve months.
Worldwide coverage for non US Citizens

Global Medical Platinum optional riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Global term life insurance (including AD & D)
Global term life insurance (including AD & D)
Offers coverage for families following a traumatic loss.

Amounts shown are the principle sums per unit.

Age (years

Principal Sum(per unit)

31 days - 18

$5k

19-29

$75k

30-39

$50k

40-44

$35k

45-49

$25k

50-54

$20k

55-59

$15k

60-64

$10k

65-69

$7.5k

Accidental Death & Dismemberment (Included with Global Term Life Insurance)

Accidental Loss of Life

Principal Sum*

Accidental Total Loss of 2 Members**

Principal Sum*

Accidental Total Loss of 1 Member**

50% of Principal Sum*

*Benefit based on age at time of death. ** "Member" means hand, foot or eye.
Dental or Vision rider
Dental or Vision rider
Dental:

$750 calendar maximum

$50 deductible (max. 2 per family)

Class I - 90% (deductible is waived),

Class II - 70%, Class III - 50%

6 month waiting period

Vision:

Exams - up to $100 per 24 months

Materials - up to $150 per 24 months
Terrorism and Sports Rider

Terrorism Rider and Sports Rider

Terrorism Rider:
$50,000 lifetime maximum for Eligible Medical Expenses arising out of Injury or Illness incurred by the Insured as a result of or in connection with an act of terrorism. (Refer to rider for more details)

Sports Rider:
$10,000 lifetime maximum for amateur athletics
Adventure Sports: Through age 49 years: $50k lifetime maximum
Age 50 years through age 59 years: $30k lifetime maximum
Age 60 years through age 64 years: $15k lifetime maximum

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Plan benefits of Global Medical Platinum insurance

Hospital room and board	Subject to deductible and coinsurance for average private room rate
Surgery	Up to the maximum limit
Intensive care unit	Subject to deductible and coinsurance
Assistant Surgeon	20% of primary surgeon’s charge
Hospital Indemnity(Inpatient hospitalization outside the U.S. only)?	Private Hospitals: $400 maximum limit per overnight and $4k maximum limit per period of coverage Public Hospitals: $500 maximum limit per overnight and $5k maximum limit per period of coverage. Not subject to deductible or coinsurance

Chemotherapy or Radiation Therapy	Subject to deductible and coinsurance
Physical therapy	Subject to deductible and coinsurance. $40 maximum per visit - 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery
Treatment Outside the U.S.	50% of deductible waived, up to a maximum of $2.5k. No coinsurance
Treatment Inside the U.S. (using Medical Concierge)	50% of deductible waived, up to a maximum of $2.5k. 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
Office visits and Diagnostic/X-Ray	$300 maximum per visit - lab tests; $250 maximum per visit - diagnostic X-rays $500 maximum limit - specialists/physician charges (pre-inpatient / post-inpatient) Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy	Subject to deductible and coinsurance. $600 maximum limit per examination
Transplants	$250k lifetime maximum

Emergency local ambulance(Injury or Illness resulting in an inpatient hospital admission)	$1.5k maximum limit per event. Not subject to deductible or coinsurance
Emergency Room Accident	Up to the maximum limit
Emergency room illness	Subject to deductible and coinsurance. Covered only if admitted as inpatient

Traumatic Dental Injury Treatment at a hospital facility $1k per period of coverage

Non-Emergency Dental Optional Rider

Emergency medical evacuation	$50k maximum per period of coverage. Not subject to deductible or coinsurance
Emergency reunion	$10k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial	$10k maximum limit. Not subject to deductible

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
Vision	Optional Rider
Orphan or Biologic Drugs (Available when all conditions are met) » Approved in writing by company » Medically necessary » Not experimental or investigational Applies to period of coverage max. Max limit applies towards lifetime max.	Inpatient Treatment maximum limit: $250k. Outpatient Surgery: up to the maximum limit. Subject to deductible and coinsurance. Does not apply to maximumlimit per event

Pre-Existing Conditions Limitation Excluded

Prescription Coverage	Subject to deductible and coinsurance.Available for 90 days following related inpatient treatment or outpatient surgery.$600 maximum limit per event(includes dressings and durable medical equipment)

Global Medical Platinum Insurance Restrictions

Global Medical Platinum Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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IMG Global Medical Plans Insurance - Common Questions

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Global Medical Platinum Claims Information

Download Global Medical Platinum claims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
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