International Health Insurance recommends an exceptional plan designed specifically by IMG and Sirius International for longer-term excursions.

Global Medical InsuranceSM

 

If you plan to be away from your home country for a year or more, this annually renewable U.S. style, major medical insurance plan offers exceptional coverage and benefits. Some of the features not found in most short-term travel policies include coverage in your home country, coverage of preexisting conditions after only 2 years and maternity coverage after 12 months*.

Coverage for the Global Medicalsm plan requires medical underwriting. Click Apply Now to access an online application or click here to download an application.

*These benefits have limitations, see plan details for full description

If you are traveling for less than two years maximum, check out the ExPatriot PlusSM. Rates for this plan are often lower -- especially at younger ages. Plus, you can conveniently Apply Now ONLINE.

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  1. Benefits Summary
  2. Policy Premiums


Benefits Summary

Global Medical Insurancesm covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per policy period (12 months), with a maximum of 3 deductibles per family. For eligible expenses incurred in the U.S. or Canada, once the deductible is met, Global Medical Insurancesm pays 80% of the next US$5,000 in eligible expenses and then 100% of eligible expenses to the policy maximum. For eligible expenses incurred outside of the U.S. and Canada, once the deductible is met, GMI will pay 100% of eligible expenses up to the policy maximum.
MEDICAL INSURANCE                    BENEFIT             
Subject to deductible and
coinsurance
Coverage Area Worldwide
Policy Maximum Per Individual US$5,000,000 lifetime

Hospitalization
Semi-private room and board l Nursing services l Prescription medication l Physician charges l Diagnostic and laboratory testing l X-rays l Chemotherapy and radiation l Durable medical equipment l Treatment, services and supplies routinely provided

URC
Intensive Care Unit  
Surgery
Surgical care l Second surgical opinion l Anesthetics l Physician charges for surgery l Treatment, services and supplies routinely provided		 URC
Transplants
Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently-contracted PPO network		 US$1,000,000 lifetime
Outpatient
Emergency treatment of illness or injury l Surgery l Rehabilitative treatment l Treatment, services or supplies routinely provided l Prescription medication		 URC
Emergency
Surgery or dental treatment following an accident l Emergency room following an accident		 URC
Emergency Transportation by
Ground Ambulance		 URC
Emergency Medical Evacuation
Included with the emergency Medical Evacuation is an Emergency Reunion Benefit of US$10,000 lifetime		 Up to policy maximum
Repatriation US$25,000
Supplemental Accident
The first US$300 will be covered fop each accidental injury		 US$300 per occurance
(not subject to deductible or coinsurance)
Maternity
Available after 12 months of coverage | Pre and Post-natal care l Normal delivery or C-section l Well baby care and treatment of newborn for first 31 days		 US$50,000 lifetime
(maximum of US$5,000 for each normal delivery for each pregnancy; maximum of US$7,500 for C-section delivery for each pregnancy)
Newborns
Eligible newborn children may be added without evidence of insurability under certain circumstances | An application form must be submitted within 31 days of birth		 URC
Mental/Nervous Care
Inpatient and outpatient care by a licensed psychiatrist		 US$10,000 per period, US$25,000 lifetime
(after 12 months of coverage)
Wellness
Females age 35 and over after 12 months of continuous coverage. Routine physicals l Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months) Males age 35 and over, after 12 months of continuous coverage | Routine physicals (exams must be separated by 12 months)

US$250 per period of coverage
(not subject to deductible or coinsurance)
Complementary Medicine

Acupuncture
Aroma Therapy
Herbal Therapy
Magnetic Therapy
Massage Therapy
Vitamin Therapy		 (Each per period of coverage)

US$150
US$50
US$50
US$75
US$150
US$100
Pre-existing Conditions  
After 24 months of continuous coverage		 US$50,000 lifetime
(maximum of $5,000 per period of coverage)
Other
Chiropractor when referred by a physician l Radiation treatment l Home nursing care l Hospice care l Physical therapy (maximum US$50 per visit) l Prosthetic devices 		URC


This is a summary of benefits. Please refer to the certificate wording for a complete description, which is available upon request.

Underwritten By: Sirius International Insurance Corporation



Global Medical InsuranceSM Rates
(Includes 2 ½% surplus lines tax.)

   $250
Deductible		 $500
Deductible		 $1,000
Deductible		 $2,500
Deductible		 $5,000
Deductible		 $10,000
Deductible
 
Age Male Female Male Female Male Female Male Female Male Female Male Female
 
14 days to 9* First 2 Free, Then 450 First 2 Free, Then 380 First 2 Free, Then 290 First 2 Free, Then 260 First 2 Free, Then 250 First 2 Free, Then 220
 
10-18* 490 400 310 280 270 240
First two Dependent Children free between the ages of 14 days to 9 years only when both parents or guardians are insured under the Global Medical Insurancesm plan.  Dependent child rate only available when parent or guardian is insured under the Global Medical InsuranceSM plan.   Children applying with no parent or guardian insured by Global Medical InsuranceSM use the Male 19 - 24 rates.
 
19 - 24 1,075 1,785 925 1,585 720 1,140 635 1,010 520 830 410 650
 
25 - 29 1,175 1,950 1,025 1,750 795 1,260 700 1,115 575 910 450 710
 
30 - 34 1,230 2,140 1,080 1,940 840 1,445 745 1,280 610 1,050 480 820
 
35 - 39 1,345 2,290 1,195 2,090 925 1,600 820 1,415 670 1,135 525 890
 
40 - 44 1,505 1,875 1,330 1,675 1,030 1,300 915 1,155 745 945 590 740
 
45 - 49 1,645 2,045 1,470 1,845 1,140 1,435 1,010 1,270 825 980 650 770
 
50 - 54 2,000 2,220 1,800 2,020 1,400 1,575 1,275 1,430 1,045 1,170 820 920
 
55 - 59 2,532 2,532 2,321 2,321 1,812 1,812 1,644 1,644 1,345 1,345 1,050 1,050
 
60 - 64 3,493 3,293 3,230 3,030 2,705 2,505 2,469 2,284 2,048 1,812 1,681 1,497
 
65 - 69 7,213 6,291 6,950 6,027 6,425 5,500 4,996 4,514 4,334 3,902 3,572 3,217
 
70 - 74 Please contact IMG or your agent for premium information
 


** For Semi-Annual or Quarterly payment modes, IMGSM will only accept Visa, MasterCard or American Express on a pre-authorized basis. IMGsm will automatically debit your card on the due dates of your premium installment.