IMG

Global Medical Silver vs Global Medical Gold vs Global Medical Platinum Insurance

Global Medical insurance is ideal for US expatriates and for those global citizens living and working outside their home country. It offers long term comprehensive medical coverage with benefits like preventive care, pre-existing conditions coverage, maternity and wellness benefits. It offers worldwide coverage allowing the travelers to choose their choice of coverage region and also different payment options. Compare and review benefits and coverage limits of International Medical Group (IMG) Global Medical plans to find best plan for your needs.


Compare Global Medical Plans from IMG(Global plans from International Medical Group)

Age
Gender
Payment Type
Coverage
Citizenship
Global Medical Bronze
Plan Maximum
$1,000,000
Deductible
Global Medical Silver
Plan Maximum
$5,000,000
Deductible
Global Medical Gold
Plan Maximum
$5,000,000
Deductible
Global Medical Platinum
Plan Maximum
$8,000,000
Deductible
  Brochure & Details links
» Global Medical Bronze Brochure
» Global Medical Bronze Details
» Global Medical Silver Brochure
» Global Medical Silver Details
» Global Medical Gold Brochure
» Global Medical Gold Details
» Global Medical Platinum Brochure
» Global Medical Platinum Details
» Global Medical Platinum Reviews
file  Underwriter
Global Medical Bronze Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Global Medical Silver Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Global Medical Gold Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Global Medical Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Best Rating  Rating
Global Medical Bronze Insurance Rating
AM Best Rating: "A" (Excellent)
Global Medical Silver Insurance Rating
AM Best Rating: "A" (Excellent)
Global Medical Gold Insurance Rating
AM Best Rating: "A" (Excellent)
Global Medical Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
  Plan Highlights
Most economical global coverage Cheapest and offers limited coverage Short term comprehensive coverage Long term comprehensive enhanced coverage including dental and vision benefits
  Lifetime Maximum Limit
$1 million/individual $5 million/individual $5 million/individual $8 million/individual
  Deductible (Per Period of Coverage):
$250 to $10,000 $250 to $10,000 $250 to $25,000 $100 to $25,000
  Optional Coverage at additional cost
Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision Global Term Life Insurance including Accidental Death & Dismemberment; Adventure Sports Rider; Dental and Vision Global Term Life Insurance including Accidental Death & Dismemberment; Terrorism; Adventure Sports Rider;
  Emergency evacuation (not subject to deductible or coinsurance)
Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. Up to lifetime maximum limit. Not subject to deductible or coinsurance. Up to maximum limit. Not subject to deductible or coinsurance.
  Emergency Reunion
$10,000 lifetime maximum No Coverage $10,000 lifetime maximum $10,000 lifetime maximum
  Return of Mortal Remains (not subject to deductible or coinsurance)
$10,000 lifetime maximum $25,000 lifetime maximum $25,000 lifetime maximum $50,000 lifetime maximum
  Child Wellness (Under 18 years of age)
No Coverage $70 maximum per visit, 3 visit per period of coverage $200 maximum per period of coverage $400 maximum per period of coverage
  Adult Wellness
No Coverage No Coverage $250 per period of coverage $500 per period of coverage
  Maternity
No Coverage No Coverage No Coverage $2,500 deductible per pregnancy.
$50,000 lifetime maximum.
$200 newborn wellness benefit for the first 31 days - 12 months after birth.
Newborn care & congenital disorders maximum of $250,000 for the first 31 days after birth.
  Non Emergency Dental
Optional Rider Optional Rider Optional Rider $750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services.
 Non Emergency Dental due to Accident
No Coverage No Coverage $500 per period of covergae $750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services.
  Emergency Dental due to Sudden Unexpected Pain, Natural Teeth
No Coverage No Coverage $100 per period of coverage Covered 100%
  Traumatic Dental Injury
$1,000 per period of coverage $1,000 per period of coverage Up to lifetime maximum limit Up to lifetime maximum limit
  Hospital Indemnity (Inpatient hospitalisation 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.
  Treatment outside / inside the U.S. (using Medical Concierge)
50% of deductible waived, up to maximum of $2,500. No coinsurance
  Treatment inside the U.S.
PPO Network: Subject to deductible. No coinsurance
Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit.
  Coinsurance
International - 100%;    U.S. in-network - 100%;     U.S out-of-network - 80%
  Pre-Existing Conditions Limitation
Excluded $50,000 lifetime maximum; $5,000 per period of coverage after 24 months $50,000 lifetime maximum; $5,000 per period of coverage after 24 months Covered if disclosed and not excluded by rider
  Local Ambulance (U.S. only)
$1,500 maximum limit per event $1,500 maximum limit per event Subject to deductible and coinsurance. Subject to deductible and coinsurance.
Outpatient Treatments
Diagnostic / X-Ray: $250 maximum per visit
Lab tests: $300 maximum per visit
Specialists / Physician charges: $500 maximum limit (pre-inpatient / post-inpatient)
Diagnostic / X-Ray: $250 maximum per visit
Lab tests: $300 maximum per visit
Specialists / Physician charges: $70 per visit/examination (25 combined maximum visits)
Chiropractor charges: $50 per visit / examination
Surgery intervention consultation charges: $500 per consultation
Subject to deductible and coinsurance Subject to deductible and coinsurance
  Mental / Nervous
No Coverage Subject to deductible and coinsurance. Outpatient after 12 months of continuous coverage Subject to deductible and coinsurance. $10,000 maximum. Avaliable after 12 months of continuous coverage Subject to deductible and coinsurance. $50,000 lifetime maximum. Avaliable after 12 months of continuous coverage
 Hospitalization/ Room & Board
Subject to deductible and coinsurance for average semiprivate room rate Subject to deductible and coinsurance for average semiprivate room rate.All subject to $600 per day /240 day maximum Subject to deductible and coinsurance for average semiprivate room rate Subject to deductible and coinsurance for average semiprivate room rate
 Intensive Care Unit
Subject to deductible and coinsurance Subject to deductible and coinsurance.$1,500 limit per day - 180 days of coverage per event Subject to deductible and coinsurance Subject to deductible and coinsurance
 Surgery
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
 Assistant Surgeon
20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge
 Chemotherapy or Radiation Therapy
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
 Podiatry Care
No Coverage No Coverage $750 per period of coverage $750 per period of coverage
 Physical Therapy
Subject to deductible and coinsurance.$40 maximum per visit - 10visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery Subject to deductible and coinsurance.$40 maximum per visit -30 visit limit Subject to deductible and coinsurance.$50 maximum per visit Subject to deductible and coinsurance.$50 maximum per visit
 Transplants
$250,000 lifetime maximum $250,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum
 Prescription Coverage
Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event Subject to deductible and coinsurance. 90-day supply per prescription following related covered event Subject to deductible and coinsurance. 90-day supply per prescription. Outpatient only International - 100% Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available.90-day supply per prescription
 Healthy Travel Preventative Coverage
$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
 Vision
Optional Rider Optional Rider Optional Rider $100 maximum per 24 months for exams. $150 per 24 months for materials
 Political Evacuation and Repatriation
No Coverage No Coverage No Coverage $10,000 lifetime maximum
unique  Unique Advantages
Global Medical Bronze Insurance Advantages:
  • It is a fixed plan.
  • Higher deductible options for the insured to choose from.
  • Refund of full premium if policy cancellation request is received within 15 days of receipt of the relevant insurance documents.
Global Medical Silver Insurance Advantages:
  • It is a fixed benefit plan.
  • Higher deductible options for the insured to choose from.
  • Refund of full premium if policy cancellation request is received within 15 days of receipt of the relevant insurance documents.
Global Medical Gold Insurance Advantages:
  • It is a comprehensive coverage plan.
  • Adult and child wellness benefit available.
  • 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 Platinum Insurance Advantages:
  • It is a comprehensive coverage plan.
  • Has a plan covering up to $8 million for lifetime of the policy.
  • Maternity benefit of up to $50,000 (lifetime benefit).
  • Freedom to choose your health care provider.

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