IMG

Global Medical Platinum Insurance Reviews

  • The plan provides a total lifetime coverage amount of $8,000,000.
  • Least deductible of $100.
  • Optional coverage for terrorism and sports.
  • Offers comprehensive coverage for medical, dental and vision.
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Example to show how the plan works?

Consider an example where your:
  • Insurance coverage is $8,000,000
  • Deductible is $250 per certificate period
  • Coinsurance for claims incurred inside US and in the PPO: After the deductible, 90% of first $5,000 and then 100% to the policy limit
  • Your claims for medical expenses is $24,850
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,850 minus $250 equals $24,600. Insured bears $250
  2. Apply 90% coinsurance for first $5,000 of $24,600. i.e. $5,000*0.90 equals $4500. Insurance Company will pay upto $5,000. Insured bears $500
  3. Plan/insurance company pays: $24,600 minus $500 equals $24,100 and insured bears $750
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $250 $0 $250
Days in hospital $2,000/day for 3 days $4,500+$1000 $500 (10% of first $5,000)
Surgery $16,500 $16,500 $0
Prescription Drugs $600 $600 $0
X Ray $1,500 $1,500 $0
Total: $24,850 $24,100 $750
 

Unique Benefits

  • Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
  • Freedom to choose your health care provider.
  • No co-insurance outside USA and Canada!
  • Deductible reduced by 50% if treatment is sought within the PPO network.
  • Maternity benefit of up to $50,000 (lifetime benefit).
  • New-born care and congenital disorders covered up to $250,000 for first 31 days.
  • Non-emergency dental of up to $750 per calendar year.
  • Emergency dental due to accident: URC
  • Vision care of up to $100 for exams, up to $150 for materials per 24 month period.
  • High-school sports injury up to $20,000 per certificate period.
  • Mental/Nervous: $50,000 Lifetime benefit, available after 12 mos of continuous coverage.
  • Child Wellness: $400/period of coverage, available after 6 mos of continuous coverage.
  • Adult Wellness: $500/period of coverage, available after 6 mos of continuous coverage, for 18 years and older.
  • Optional Sports Rider is available providing lifetime coverage of $25,000 for adventure sports such as mountaineering, parachuting, and whitewater rafting. This optional rider also includes lifetime coverage up to $10,000 for amateur sports when not engaged for wage, reward, or profit along with contact sports like soccer and hockey.

 
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