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.
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Plan benefits of Global Medical Platinum insurance
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.
Hospitalization/room and boardPrivate room rate.
Outpatient Office visits and Diagnostic/X-Ray100%
Chemotherapy or Radiation TherapySubject to deductible. No coinsurance.
Transplants$2,000,000 lifetime maximum.
Emergency room illness (Additional $250 deductible if not admitted as an in patient)100%
Emergency room accident100%
Local ambulance due to injury or illness resulting in hospitalization100%
Emergency evacuationUp to maximum limit.Not subject to deductible or coinsurance.
Emergency reunion$10,000 lifetime maximum
Return of mortal remains$100,000 maximum limit. Not subject to deductible
Rx coverageOutside U.S. - 100%. Inside U.S. - Rx drug card co-pay: $20 for generic / $40 for brand name where generic is not available.
Physical therapyMaximum $50 per visit
Emergency dental due to accident$1,000 per period of coverage
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
Hospital indemnity (Outside the U.S. only)Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Pre-Existing Conditions LimitationSame as any illness