Global Medical Silver Insurance is an affordable long-term, annually-renewable, major medical insurance. This insurance has specific dollar limits on most benefits. It is the perfect expatriate medical insurance policy for those who want coverage for a variety of medical services, but are seeking to reduce their premium costs.
|Deductible Carry Forward||Included
|Treatment Outside the U.S.||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 and board||In U.S. – 100% of average semi-private room rate.
Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).
|Intensive care||$1,500 per day - 180 days of coverage per event|
|Assistant Surgeon||20% of surgery benefit|
Office visits and Diagnostic/X-Ray
|Chemotherapy or Radiation Therapy||Subject to deductible. No coinsurance|
|Transplants||$250,000 lifetime maximum|
|Emergency room illness (Additional $250 deductible if not admitted as an in patient)||100%|
|Emergency room accident||100%|
|Local ambulance due to injury or illness resulting in hospitalization||$1,500 maximum limit per event - not subject to deductible or coinsurance.|
|Emergency evacuation||Up to $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
|Return of mortal remains||$25,000 lifetime maximum - not subject to deductible or coinsurance.|
|Physical therapy||Maximum $40 per visit - 30 visit maximum|
|Emergency dental due to accident||$1,000 per period of coverage|
|Hospital indemnity (Outside the U.S. 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|