Global Medical Gold Insurance Cost, Global health insurance cost

Age
Start Date
End Date
Gender
Payment Type
Coverage
Citizenship

Global Medical Gold insurance review, Global health insurance reviews

Global Medical Platinum
Insurance provider
International Medical Group
Plan life
Lifetime
Policy maximum?
$5,000,000 per individual.
Deductible options?
$250 to $25,000 per period of coverage
Global Medical Platinum rating
AM Best Rating: "A" (Excellent)
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Global Medical Platinum underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Global Medical Gold Links

  • Brochures
  • Application
  • Reviews
  • Comprehensive
  • Claims
  • Provider Network
  • Renewal

Global Medical Gold insurance plan highlights

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

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IMG's Global Medical Gold plan summary


Global Medical Gold insurance eligibility
  • 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.
  • US citizens must reside abroad or must leave US on the effective date and plan to reside outside US for atleast six of the next twelve months
  • Worldwide coverage for non US Citizens

Global Medical Gold Insurance plan options
  • Lifetime Maximum Limit?: $5,000,000 per individual.
  • Deductible?: $250 to $25,000 per period of coverage.
  • Deductible Carry Forward:Included.
    • Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
    • Treatment Inside the U.S. (using Medical Concierge): 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
    • Treatment Inside the U.S. (PPO Network): Subject to deductible. No coinsurance.
    • Treatment Inside the U.S. (Non PPO Network): Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
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Global Medical Gold Insurance optional riders
The traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • Global term life insurance (including AD & D)
  • Dental or Vision rider
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Plan benefits of Global Medical Gold

Benefits 1st 36 months of continous coverage From the 1st day of the 37th month
Intensive Care Unit 100% Up to a limit of $4,500 per day.
Hospitalization or Room & Board In U.S. - 100% of average semi-private room rate.
Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).
Up to a limit of $2,250 per day.
Surgery 100% 100%
Local Ambulance due to Injury or Illness resulting in Hospitalization 100% $100 maximum limit per event - not subject to deductible or coinsurance.
Emergency Evacuation Up to maximum limit - not subject to deductible or coinsurance. $250,000 limit per period of coverage.Not subject to deductible or coinsurance.
Emergency Reunion $10,000 lifetime maximum. $10,000 lifetime maximum.
Return of Mortal Remains or Cremation or Burial $25,000 lifetime maximum - not subject to deductible or coinsurance. $15,000 lifetime maximum - not subject to deductible or coinsurance.
Mental or Nervous $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage. $2,500 maximum per period of coverage; Additional Sub-limit: In-patient limited to 25 days per period of coverage; Out-patient limited to max of 20 visits per period of coverage at 70% eligible expenses, up to $75 maximum per visit; Lifetime maximum of $30,000.
Child Wellness (Under 18 years of age) $200 maximum per period of coverage - not subject to deductible or coinsurance - Available after 12 months of continuous coverage. $200 maximum per period of coverage - not subject to deductible or coinsurance.
Adult Wellness (19 years or older) $250 maximum per period of coverage - not subject to deductible or coinsurance - Available after 12 months of continuous coverage. $250 maximum per period of coverage - not subject to deductible or coinsurance.
Emergency Dental due to Accident 100%. $500 per period of coverage.
Hospital Indemnity (Outside the U.S. only) Private Hospitals: $400 per overnight and $4,000 maximum limit per calendar year.
Public Hospitals: $500 per overnight and $5,000 maximum limit per calendar year.
Private Hospitals: $400 per overnight and $4,000 maximum limit per calendar year. Public Hospitals: $500 per overnight and $5,000 maximum limit per calendar year.
Emergency Dental due to Sudden Unexpected Pain $100 per period of coverage. $100 per period of coverage.
Pre-Existing Conditions Limitation $50,000 lifetime maximum; $5,000 per period of coverage after 24 months. $50,000 lifetime maximum; $5,000 per period of coverage

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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