Global Medical Insurance, IMG administered, Sirius International underwritten Global Medical Gold Insurance for Worldwide Insurance coverage

Global Medical Gold Insurance is long-term, annually-renewable, major medical insurance that provides worldwide health insurance coverage to people of all nationalities. Global Medical Gold Insurance is an ideal expatriate medical insurance plan for those who need a full range of medical benefits.

Policy Maximum	Global Medical Gold Insurance plan offers US$ 5,000,000 lifetime per individual.
Deductible	US$100, $250, $500, $1000, $2500, $5000 and $10,000 deductible per period of coverage.
Co-insurance	Within the U.S. and Canada (outside PPO network): 80% of the next US$5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage.
Eligibility	- Global Medical Gold Insurance is offered to the persons between the age of 14 days and 74 years old may apply for coverage. Person older than 74 years of age are not eligible.
Pre-Existing Condition Definition	- The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.
Pre-Existing Condition Coverage	- Global Medical Silver plan options provide a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This plan options do not rider or charge additional premium for pre-existing conditions.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Physician visits, surgeon, Private duty nurse fee	- Pre-admission tests - Diagnostics: X-Rays - Hospital emergency room - Prescription Drugs
Underwriter	Underwritten by Sirius International Insurance Corporation(publ), Sirius International is a White Mountains Re company.
Buy - Online	Apply & purchase online Global Medical Gold Insurance
Brochure	Global Medical Gold Insurance brochure can be downloaded at Global Medical Gold Insurance Brochure
Application	Complete, mail/fax the Global Medical Gold Insurance Application along with payment

Global Medical Gold Insurance - Plan Description

Global Medical Gold Insurance is long-term, annually-renewable, major medical insurance that provides worldwide coverage to individuals and families of all nationalities. This is an ideal plan for those who need a full range of medical benefits.

As part of the eligibility requirements for Global Medical Gold Insurance, US citizens must reside abroad or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months. Non-US citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-US citizens residing in the US.

If you are interested in this plan, you may also want to review Global Basic Insurance. It offers somewhat reduced benefit levels which also reduces the cost of the coverage.

Global Term Life Insurance

Global Term Life Insurance provides protection for your family at the time of a traumatic loss and is available with no additional underwriting. This coverage is available for a standard annual premium of $240 and includes an Accidental Death and Dismemberment benefit.

Global Daily Indemnity

Global Daily Indemnity pays you US$100 for each covered overnight hospital stay other than those related to pregnancy.

Global Medical Gold Insurance - Plan Benefits

Global Medical Gold Insurance covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each insured person will only need to satisfy their deductible once per period of coverage (12 months), with a maximum of three deductibles per family.

MEDICAL INSURANCE	1st 36 months of continuous coverage	Beginning the 1st day of the 37th month
Coverage Area	Worldwide	Worldwide
Policy Maximum Per Individual	US$5,000,000 lifetime	US$5,000,000 lifetime
Hospitalization / Room & Board	Average Semi private room rate	Up to a limit of $2250 per day
Intensive Care Unit	URC	Up to a limit of $4500 per day
Surgery	URC	URC
Anesthetist's charges Assaciated with surgery	URC	20% of surgery benefit
Transplants	US$1,000,000 lifetime	US$5,000,000 lifetime
Outpatient	URC	Physican charges - limits of $150 per visit Hospital charge - $100 co-pay unless admitted Urgent care facility - $25 co-pay Diagnostic Lab and X-rays limited to $5000 per certificate period Physiotherapy - up to $50 per visit, $1000 max per certificate period $10,000 lifetime maximum
Emergency Surgery or dental treatment following an accident• Emergency room following an accident	URC	URC
Emergency Medical Evacuation Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime	Up to policy maximum	$250,000 limit per policy per certificate period
Repatriation	US$25,000	US$25,000
Supplemental Accident The first $300 will be covered for each accidental injury	US$300 per occurrence (not subject to the deductible or coinsurance)	US$300 per occurrence (not subject to the deductible or coinsurance)
Maternity Available after 12 months of continuous coverage • Pre and Post-natal care • Normal delivery or C-section • Well baby care and treatment of newborn for first 31 days	US$50,000 lifetime US$50,000 lifetime maximum of US$5,000 for normal delivery for each pregnancy; maximum of US$7,500 for C-Section, $200 child wellness benefit for the first 12 months,new born care & congenital disorders maximum of $250,000 for the first 31 days	US$50,000 lifetime US$50,000 lifetime maximum of US$5,000 for normal delivery for each pregnancy; maximum of US$7,500 for C-Section, $200 child wellness benefit for the first 12 months,new born care & congenital disorders maximum of $250,000 for the first 31 days
Newborns Eligible newborn children may be added without evidence of insurability under certain circumstances • An application form must be submitted within 31 days of child's birth	URC	URC
Child Wellness Available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage	US$50 maximum per visit; US$150 per policy period(not subject to deductible or coinsurance)	US$50 maximum per visit; US$150 per policy period(not subject to deductible or coinsurance)
Pre-existing Conditions After 24 months of continuous coverage	US$50,000 lifetime(maximum of US$5,000 per period of coverage)	US$50,000 lifetime(maximum of US$5,000 per period of coverage)
Mental/Nervous Care Available after 12 months of continuous coverage• Inpatient and outpatient care by a licensed psychiatrist	US$10,000 per period of coverage, US$25,000 lifetime	US$2500 maximum per certificate period, In-patient limited to 25 days per certificate period, Out-patient limited to max of 20 visits per certificate period at 70% eligible expenses, up to $75 maximum per visit, lifetime maximum of $30,000
Wellness Females age 35 and over, after 12 months of continuous coverage • Routine physicals • 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 policy period (not subject to deductible or coinsurance)	US$250 per policy period (not subject to deductible or coinsurance)
Complementary Medicine	(Each per policy period)	(Each per policy period)
Acupuncture	US$150	US$150
Aroma Therapy	US$50	US$50
Herbal Therapy	US$50	US$50
Magnetic Therapy	US$75	US$75
Massage Therapy	US$150	US$150
Vitamin Therapy	US$100	US$100

The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the certificate wording for a complete description, which is available upon request.

Global Medical Gold Insurance - Policy Exclusions

After coverage has been in effect for 24 continuous months, Global Medical Gold Insurance provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Medical Gold Insurance does not "rider" or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

The following illnesses which exist, manifest themselves or are treated or havetreatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

OTHER EXCLUSIONS & LIMITATIONS*

Maternity and newborn care (unless the maternity rider is purchased - see details under the Benefits section)
Inpatient mental and nervous
Routine physical exams
Dental treatment unless accident related
Organized amateur or professional sports
Treatment not ordered or received by a physician
Treatment or supplies not medically necessary
Investigational, experimental or research procedures
Custodial care
Weight modification
Elective cosmetic or plastic surgery
Treatment of impotency
Contraceptive medication or treatment
Drug and alcohol abuse treatment
Organ transplants not specifically listed
Devices to correct sight or hearing
Routine foot care
Treatment by a relative or family member
Treatment as a result of war or riot
Treatment resulting from illegal activities
Speech therapy
Persons HIV+ at effective date
Services and treatment eligible for payment by any government or other insurance

* See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.