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Global Medical Gold Reviews, Best international health insurance

Quotes for Global Medical Gold insurance, Global health insurance reviews

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  • Advantages
  • Disadvantages

Global Medical Gold Insurance advantages

  • Global medical gold is a comprehensive benefit plan.
  • Global Medical Insurance is available to individual and families for all nationalities residing outside their home country.
  • Adult and child wellness benefit available.
  • Deductible per period of coverage and 50% waiver of deductible if service is taken within the PPO network.
  • Refund of full premium if policy cancellation request is received within 15 days of receipt of the relevant insurance documents.
  • Policy cancellation request after this period will be granted at the sole discretion of IMG administrator.
  • Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country
  • Mental/Nervous: $10,000/period of coverage, $50,000 Lifetime benefit, available after 12 months of continuous coverage.
  • Freedom to choose your health care provider

Global Medical Gold Insurance Disadvantages

  • This plan not covers maternity

Global Medical Gold insurance

  • Brochures
  • Details
  • Comprehensive
  • Claims
  • Provider Network

Global Medical Gold insurance, Global health insurance cost

  • It is eligible for 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.
  • Plan maximum options available up to $5 million.

A working example of using Global Medical Gold (Offered by IMG) *

  • Insurance coverage is $5,000,000
  • Deductible is $250 per certificate period
  • Your claims for medical expenses is $26,250
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $26,250 minus $250 equals $26,000. Insured bears $250
Global Medical Gold
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $250 $0 $250
Surgery $10,500 $10,500 $0
Emergency Reunion $15,500 $10,000 $5,500
Total $26,250 $20,500 $5,750

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What are some insurance terms important in Global Medical Gold Insurance reviews?

  • Plan Maximum coverage of Global Medical Gold travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Global Medical Gold insurance offers plan maximum options of $5,000,000 per individual.
  • What is a deductible in Global Medical Gold visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Global Medical Gold insurance has deductible option from $250 to $10,000 per period of coverage.
  • What is a provider network of Global Medical Gold Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Global Medical Gold Travel health insurance
    Global Medical Gold Insurance can be renewed lifetime.
  • Eligibility to buy Global Medical Gold Insurance Online
    It is eligible for 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.Worldwide coverage for non US Citizens.
  • Global Medical Gold Pre-existing conditions for travelers
    Global Medical Gold insurance offers Pre-existing condition limitation for $50,000 lifetime maximum; $5,000 per period of coverage after 24 months
  • Global Medical Gold Insurance underwritten by Sirius International Insurance Corporation and rating "A" (Excellent) by AM Best Rating.

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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