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) charge 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). After the deductible, Global Medical Insurancesm pays 80% of the next US$5,000 in eligible expenses and then 100% of eligible expenses to the policy maximum.

MEDICAL INSURANCE                    BENEFIT             
Subject to deductible and
coinsurance
Coverage Area
Policy Maximum Per Individual
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		 Worldwide
US$5,000,000 lifetime
100%
Intensive Care Unit
Surgical care l Second surgical opinion l Anesthetics l Physician charges for surgery l Treatment, services and supplies routinely provided		 3 times semi-private
room and board
Surgery 100%
Transplants
Covered only within IMG's PPO Transplant Facilities		 US$500,000 lifetime
Outpatient
Emergency treatment of illness or injury l Surgery l Rehabilitative treatment l Treatment, services or supplies routinely provided l Prescription medication		 100%
Emergency
Surgery or dental treatment following an accident l Emergency room following an accident		 100%
Emergency Transportation by
Ground Ambulance 		US$2,500 per cause
Emergency Medical Evacuation US$25,000 lifetime
Maternity
Pre and Post-natal care l Normal delivery or C-section l Well baby care and treatment of newborn for first 31 days 		US$25,000 lifetime
(after 12 months of coverage)
Mental/Nervous Care
Inpatient and outpatient care l Treatment by a  licensed psychiatrist		 US$10,000 per period,
US$20,000 lifetime
(after 12 months of coverage)
Wellness
Females age 35 and over after 24 months on the plan. Routine physicals l Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months)

Males age 40 and over, after 24 months on the plan. Routine physicals (exams must be separated by 12 months)

 US$100 per period
(not subject to deductible or coinsurance)
Pre-existing Conditions  
After 24 months of continuous coverage		 US$25,000 lifetime
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 		100%

This is a summary of benefits. Please refer to the plan details for a complete description.

Policy Premiums

Underwritten By: Sirius International Insurance Corporation

Global Medical InsuranceSM 2001 New Business Rates©
Effective 1/1/00 Rates quoted in US Dollars.
(Includes 2½% surplus lines tax.)

 

$500

Deductible Plan

$1,000

Deductible Plan

$2,500

Deductible Plan

$5,000

Deductible Plan
Age

Male

Female

Male

Female

Male

Female

Male

Female
14 days to 9*

First 2 Free, Then 380

First 2 Free, Then 290

First 2 Free, Then 260

First 2 Free, Then 250
10-18*

400

400

310

310

280

280

270

270
* First two (2) children free between the ages of 14 days to 9 years only when both parents are insured under the Global Medical InsuranceSM plan.

Dependent child rate only available when parent (guardian) is insured under the Global Medical InsuranceSM plan.
19 - 24

925

1,585

720

1,140

635

1,010

520

830
25 - 29

1,025

1,750

795

1,260

700

1,115

575

910

30 - 34

1,080

1,940

840

1,445

745

1,280

610

1,050
35 - 39

1,195

2,090

925

1,600

820

1,415

670

1,135
40 - 44

1,330

1,675

1,030

1,300

915

1,155

745

945
45 - 49

1,470

1,845

1,140

1,435

1,010

1,270

825

980
50 - 54

1,800

2,020

1,400

1,575

1,275

1,430

1,045

1,170
55 - 59

2,210

2,210

1,725

1,725

1,565

1,565

1,280

1,280
60 - 64

3,075

2,885

2,575

2,385

2,350

2,175

1,950

1,725
65 - 69

6,615

5,715

6,115

5,215

4,755

4,280

4,125

3,700
70

8,150

7,020

7,645

6,520

6,010

5,400

5,260

4,700
71

8,545

7,360

8,045

6,860

6,330

5,685

5,540

4,950
72

8,970

7,725

8,470

7,220

6,670

5,990

5,840

5,220
73

9,415

8,100

8,915

7,600

7,025

6,305

6,150

5,500
74

9,885

8,500

9,385

8,000

7,400

6,645

6,485

5,800

Modal Payment Factors** Annual 1.00 Semi-Annual .55 Quarterly .28

** 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.

Rates Expire 6/30/02



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Medical Coverage for 15 days to 6 months Medical Coverage for 6 months to 1 year Frequent Travel Plans for Executives Group Medical Plans for 15 days to 2 years Worldwide Group Benefits Plans