Global Medical Silver Insurance for Worldwide coverage, Latest benefits of IMG Global worldwide insurance

Global Medical Silver Insurance is an affordable long-term, annually-renewable, major medical insurance. This insurance has specific dollar limits on most benefits. It is the perfect expatriate medical insurance policy for those who want coverage for a variety of medical services, but are seeking to reduce their premium costs.

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Quotes for Global Medical Silver Travel Insurance

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Global Medical Silver insurance Review

Insurance provider
International Medical Group

Plan life
Lifetime

Policy maximum^?
$5,000,000 per individual

Deductible options^?
$250 to $10,000 per period of coverage

Global Medical Silver rating
AM Best Rating: "A" (Excellent)

Compare Global medical plans
Compare Global medical plans

Global Medical Silver underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Global Medical Silver Links

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Application
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Benefits
Advantages
COMPARATIVE ADVANTAGES
Global medical silver is a fixed benefit plan.

Global Medical Insurance is available to individuals and families for all nationalities residing outside their home country.

Higher deductible options for the insured to choose from.

Deductible per period of coverage and 50% waiver of deductible if service is taken within the PPO network.

No coinsurance within the PPO network and outside the US and Canada.

Coinsurance inside the US & Canada (outside of PPO network) - 80% of the first $5000 after the deductible and then 100% of overall Max per period of coverage.

Refund of full premium if policy cancellation request is received within 15 days of receipt of the relevant insurance documents.

Policy cancellation request after this period will be granted at the sole discretion of IMG administrator.
Disadvantages
DISADVANTAGES
No adult wellness benefit.
Fixed benefit plan
Fixed benefit plan
Clearly defined limits under fixed benefits coverage. More affordable when compared to comprehensive plans, but with correspondingly less coverage. This works for small ailments, but can be inadequate for major expenses.
Cheapest options in the market definitely more affordable
Fixed benefits plans are have specific benefit limits for different covered medical expenses.These benefit limits are not the same as the plan medical maximum.
Claims
Renewal
Provider Network

International Medical group Global Medical Silver plan summary

What is the eligibility to buy Global Medical Silver Insurance?
Global Medical Silver 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 Silver 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)

Offers coverage for families following a traumatic loss.
Amounts shown are the principle sums per unit.

Age (years)	Principal Sum(per unit)
31 days - 18	$5,000
19-29	$75,000
30-39	$50,000
40-44	$35,000
45-49	$25,000
50-54	$20,000
55-59	$15,000
60-64	$10,000
65-69	$7,500

Accidental Death & Dismemberment (Included with Global Term Life Insurance)
Accidental Loss of Life	Principal Sum*
Accidental Total Loss of 2 Members**	Principal Sum*
Accidental Total Loss of 1 Member**	50% of Principal Sum*
Benefit based on age at time of death. * "Member" means hand, foot or eye.

Dental or Vision rider
Dental or Vision rider
Dental:

$750 calendar maximum

$50 deductible (max. 2 per family)

Class I - 90% (deductible is waived),

Class II - 70%, Class III - 50%

6 month waiting period

Vision:

Exams - up to $100 per 24 months

Materials - up to $150 per 24 months

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.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

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.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

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.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

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.