IMG

Global Medical Silver Insurance

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.

Quotes for Global Medical Silver insurance

Start Date
End Date
Global Medical Silver
Insurance provider
International Medical Group
Plan life
Lifetime
Policy maximum?
$5,000,000 per individual
Deductible options?
$250 to $10,000 per period of coverage
Global Medical Silver rating
AM Best Rating: "A" (Excellent)
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Global Medical Silver underwriter

Global Medical Silver Links

  • Brochure
  • Application
  • Reviews
  • Benefits
  • Advantages
  • Disadvantages
  • Fixed benefit plan
  • Claims
  • Renewal
  • Provider Network

International Medical group Global Medical Silver plan summary

What is the eligibility to buy Global Medical Silver Insurance?
Global Medical Silver insurance eligibility
  • Individuals and families of any nationalty.
  • 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
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Global Medical Silver 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)
  • Dental or Vision rider

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Plan benefits of Global Medical Silver insurance

Benefits Coverage
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
Surgery 100%
Assistant Surgeon 20% of surgery benefit
Outpatient
Office visits and Diagnostic/X-Ray
25 visits: $70 doctor/specialist maximum limit; $60 psychiatrist maximum limit; $50 chiropractor maximum limit; $500 surgery intervention consultation maximum limit
$250 X-Ray per exam maximum limit; $300 lab tests per exam maximum limit.
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.
Emergency reunion NA
Return of mortal remains $25,000 lifetime maximum - not subject to deductible or coinsurance.
Rx coverage 100%
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

IMG travel insurance coverage for Coronavirus (Covid 19)

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

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