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
Global Medical Platinum covid travel insurance coverage for Coronavirus, IMG covid insurance
The Global Medical Platinum insurance includes COVID19 coverage up to the policy maximum for new purchasers after September 1st 2020. Customers who are renewing existing plans purchased before September 1st 2020 and want the new Covid19 coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.
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.
Outpatient Office visits and Diagnostic/X-RaySubject to deductible and coinsurance
Mental/NervousSubject to deductible and coinsurance.$50,000 lifetime maximum. Available after 12 months of continuous coverage
Emergency room accidentSubject to deductible and coinsurance
Emergency room illnessSubject to deductible and coinsurance.Additional $250 deductible if not admitted as an inpatient
Hospitalization/room & boardSubject to deductible and coinsurance for average private room rate
Intensive careSubject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, CystoscopySubject to deductible and coinsurance
SurgerySubject to deductible and coinsurance
Assistant Surgeon20% of primary surgeon’s charge
Chemotherapy or Radiation TherapySubject 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 therapySubject to deductible and coinsurance. $50 maximum per visit
Transplants$2,000,000 lifetime maximum
Prescription CoverageCo-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 ProgramCo-pay per 30-day supply: $20 for generic / $40 for non-preferred brand name. Dispensing maximum: 180 days
Vision$100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local AmbulanceNot subject to deductible or coinsurance
Emergency evacuationUp to maximum limit. Not subject to deductible or coinsurance
Emergency Reunion$10,000 lifetime maximum.Not subject to deductible or coinsurance
Interfacility Ambulance TransferNot 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 facilityUp to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth100%
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 LimitationCovered if disclosed and not excluded by rider
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