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| arrow_circle_right Lifetime Maximum per Insured Person |
Bronze: $1 million/individual
Silver: $5 million/individual
Gold: $5 million/individual
Platinum: $8 million/individual
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Unlimited |
| arrow_circle_right Annual Maximum per Insured Person |
Unlimited |
Unlimited |
| arrow_circle_right Preventative and Primary Care |
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No Waiting period on wellness benefits. |
- Explorer Premier:
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
- Explorer Essential:100%
- Explorer Select:100%
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| arrow_circle_right Child Wellness (Under 18 years of age) |
Bronze: No Coverage
Silver: $70 maximum per visit, 3 visit per period of coverage
Gold: $200 maximum per period of coverage
Platinum: $400 maximum per period of coverage
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- Explorer Premier:
- Outside U.S :- 100%
- U.S. (In Network) :- 80% to Coinsurance Maximum then 100%
- U.S. (Outside Network) :- 60% to Coinsurance Maximum then 100%
- Explorer Essential:100%
- Explorer Select:100%
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| arrow_circle_right Dental |
- Traumatic Dental Injury
Bronze: $1,000 per period of coverage
Silver: $1,000 per period of coverage
Gold: Up to lifetime maximum limit
Platinum: Up to lifetime maximum limit
- Emergency Dental due to Sudden Unexpected Pain, Natural Teeth
Bronze: No Coverage
Silver:No Coverage
Gold: $100 per period of coverage
Platinum: $100 per period of coverage
- The Gold plan covers $500 for Non Emergency Dental due to Accident.
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- Accidental Dental:Explorer Premier:
- Outside U.S :- $1,000 per year, $200 per tooth
- U.S. (In Network) :- $1,000 per year, $200 per tooth
- U.S. (Outside Network) :- $1,000 per year, $200 per tooth
- Explorer Essential:$1,000 per year, $200 per tooth
- Explorer Select:$1,000 per year, $200 per tooth
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| arrow_circle_right Local Ambulance |
Bronze: $1,500 maximum limit per event
Silver:$1,500 maximum limit per event
Gold: Subject to deductible and coinsurance.
Platinum: Subject to deductible and coinsurance.
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- Explorer Premier:
- Outside U.S :- $100%
- U.S. (In Network) :- 80% to Out-of-Pocket Maximum then 100%
- U.S. (Outside Network) :- 60% to Out-of-Pocket Maximum then 100%
- Explorer Essential:100%
- Explorer Select:100%
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| arrow_circle_right Prescription Coverage |
Bronze:Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event
Silver:Subject to deductible and coinsurance. 90-day supply per prescription following related covered event.
Gold: Subject to deductible and coinsurance. 90-day supply per prescription. Outpatient only
Platinum: 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.
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- Explorer Premier:
- Outside U.S :- 100% of actual charges
- U.S. (In Network) :- Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
- U.S. (Outside Network) :- Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
- Explorer Essential:100% of actual charges up to $1000
- Explorer Select:100% of actual charges up to $1000
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| arrow_circle_right Accidental Death and Dismemberment |
Bronze: Not Available
Silver:Not Available
Gold: Not Available
Platinum: Not Available
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- Explorer Premier:
- Outside U.S :- $50,000
- U.S. (In Network) :- $50,000
- U.S. (Outside Network) :- $50,000
- Explorer Essential:$50,000
- Explorer Select:$50,000
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| arrow_circle_right Physical Therapy |
Bronze: Subject to deductible and coinsurance.$40 maximum per visit - 10visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery
Silver:Subject to deductible and coinsurance.$40 maximum per visit -30 visit limit
Gold: Subject to deductible and coinsurance.$50 maximum per visit
Platinum: Subject to deductible and coinsurance.$50 maximum per visit
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- Explorer Premier:
- Outside U.S :- $50 max each visit, 12 visits per year
- U.S. (In Network) :- $50 max each visit, 12 visits per year
- U.S. (Outside Network) :- $50 max each visit, 12 visits per year
- Explorer Essential:$50 max each visit, 12 visits per year
- Explorer Select:$50 max per visit, 12 visits per year
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| arrow_circle_right Pre-Existing Conditions Limitation |
Bronze: Excluded
Silver:$50,000 lifetime maximum; $5,000 per period of coverage after 24 months
Gold: $50,000 lifetime maximum; $5,000 per period of coverage after 24 months
Platinum: Covered if disclosed and not excluded by rider
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Waiting Period: Six-months |
| arrow_circle_right Repatriation of Mortal Remains |
Bronze: $10,000 lifetime maximum
Silver:$25,000 lifetime maximum
Gold: $25,000 lifetime maximum
Platinum: $50,000 lifetime maximum
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- Explorer Premier:
- Outside U.S :- Up to $25,000
- U.S. (In Network) :- Not Available
- U.S. (Outside Network) :- Not Available
- Explorer Essential:Up to $25,000
- Explorer Select:Up to $25,000
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| arrow_circle_right Other Benefits |
- Terrorism rider(Platinum Plan):
Covers an insured person injured as a result of an act of Terrorism*, and the insured person has no direct or indirect participation in the act, the plan reimburses eligible medical claims up to a $50,000 lifetime maximum.
- Sports rider(Gold and Platinum Plan) :
Provides up to $25,000 of lifetime coverage for adventure sports such as mountaineering, parachuting, and whitewater rafting (for more sports refer Certificate Wording). It also provides $10,000 of lifetime coverage for amateur sports when not engaged for wage, reward, or profit including contact sports such as soccer and hockey.
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Dental(Bronze, Silver and Gold Plans):
- $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
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- Home Health Care:- 100% Covered Expenses, as many as 30 visits per year
- Skilled Nursing Facilities :- 100% with a maximum Covered Expense of $250 per day, as many as 50 days per year
- Hospice :- 100% with a maximum Covered Expense of $5,000 per lifetime
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| arrow_circle_right Compare plans |
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Compare IMG Global medical insurance plans
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Compare Geoblue Xplorer insurance plans
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