IMG

Global Medical Platinum Insurance

Global Medical Platinum Insurance offers superior and high class benefits to global travelers. The plan is most suitable for travelers who require comprehensive medical, dental and visions benefits in a single plan.

Global Medical Platinum Insurance Cost, Global health insurance cost

Start Date
End Date
Global Medical Platinum
Insurance provider
International Medical Group
Plan life
Lifetime
Policy maximum?
$8,000,000 per individual
Deductible options?
$100 to $25,000 per period of coverage
Global Medical Platinum rating
AM Best Rating: "A" (Excellent)
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Global Medical Silver underwriter

Global Medical Platinum Links

  • Brochure
  • Application
  • Reviews
  • Benefits
  • Advantages
  • Comprehensive Plan
  • Claims
  • Renewal
  • Provider Network

International Medical group Global Medical Platinum plan summary, International health insurance cost

What is the eligibility to buy Global Medical Platinum Insurance?
Global Medical Platinum 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
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Global Medical Platinum 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 Platinum insurance

Benefits Coverage
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.
Outpatient
Office visits and Diagnostic/X-Ray
Subject to deductible and coinsurance
Mental/Nervous Subject to deductible and coinsurance.$50,000 lifetime maximum. Available after 12 months of continuous coverage
Emergency room accident Subject to deductible and coinsurance
Emergency room illness Subject to deductible and coinsurance.Additional $250 deductible if not admitted as an inpatient
Hospitalization/room & board Subject to deductible and coinsurance for average private room rate
Intensive care Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy Subject to deductible and coinsurance
Surgery Subject to deductible and coinsurance
Assistant Surgeon 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy Subject to deductible and coinsurance
Maternity $2,500 additional deductible per pregnancy.
$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days -12 months after birth.
$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth
Podiatry Care $750 maximum limit
Physical therapy Subject to deductible and coinsurance.
$50 maximum per visit
Transplants $2,000,000 lifetime maximum
Prescription Coverage Co-pay per 30-day supply: $20 for generic / $40 for brand name where generic is not available.
International Retail Pharmacy(subject to deductible): 100%
Expatriate Prescription Services Program Co-pay per 30-day supply: $20 for generic / $40 for non-preferred brand name.
Dispensing maximum: 180 days
Orphan or Biologic Drugs Maximum limit $250,000.
Healthy Travel Preventative Coverage $250 lifetime maximum.
Vision $100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local Ambulance Not subject to deductible or coinsurance
Emergency evacuation Up to maximum limit. Not subject to deductible or coinsurance
Emergency Reunion $10,000 lifetime maximum.Not subject to deductible or coinsurance
Interfacility Ambulance Transfer Not subject to deductible or coinsurance.U.S. only
Political Evacuation and Repatriation $10,000 lifetime maximum
Remote Transportation $5,000 per period of coverage up to $20,000 lifetime maximum.
Return of mortal remains $50,000 lifetime maximum. Not subject to deductible or coinsurance
Complementary Medicine $500 maximum limit per period of coverage
Traumatic Dental InjuryTreatment at a hospital facility Up to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth 100%
Non-Emergency Dental $750 maximum per period of cov-erage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity(Inpatient hospitalization outside the U.S. only) Private Hospitals: $400 maximum limit per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 maximum limit per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident $500 maximum limit per accident. Not subject to deductible and coinsurance
Adult Preventative Care
(Age 19 or older)
$500 per period of coverage. Not subject to deductible or coinsurance.
Child Preventative Care
( Through age 18)
$400 per period of coverage. Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation Covered if disclosed and not excluded by rider

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Covid 19 IMG travel insurance coverage for Coronavirus

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.

International Medical Group, IMG travel insurance Links

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