IMG

Global Medical Silver 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.

Global Medical Silver Insurance Cost

Start Date
End Date
Global Medical Silver
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)
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Global Medical Silver underwriter

Global Medical Silver Links

  • Brochure
  • Application
  • Reviews
  • Benefits
  • Advantages
  • Disadvantages
  • Fixed benefit plan
  • 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
AVI customer service

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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)
  • Dental or Vision rider

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Plan benefits of Global Medical Silver 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
$300 maximum per visit - lab tests; $250 maximum per visit -diagnostic X-rays
25 combined maximum visits $70 per visit/examination - specialists/physician charges$50 per visit/examination - chiropractor charges
$500 per consultation - surgery intervention consultation charges
Subject to deductible and coinsurance
Mental/Nervous Subject to deductible and coinsurance.
Outpatient after 12 months of continuous coverage
Emergency room accident 100%
Emergency room illness Subject to deductible and coinsurance. Covered only if admitted as inpatien
Hospitalization/room & board Subject to deductible and coinsurance for average semi-private room rate.
All subject to $600 per day /240 day maximum
Intensive care Subject to deductible and coinsurance.
$1,500 limit per day - 180 days of coverage per event
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy Subject to deductible and coinsurance.
$600 maximum limit per examination
Surgery 100%
Assistant Surgeon 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy Subject to deductible and coinsurance
Physical therapy Subject to deductible and coinsurance.
$40 maximum per visit - 30 visit limit
Transplants $250,000 lifetime maximum
Prescription Coverage Subject to deductible and coinsurance.
90-day supply per prescription following related covered event.
U.S. Retail Pharmacy out-of-network: 80%International Retail Phamacy: 100%
Orphan or Biologic Drugs (Available when all conditions are met)
» Approved in writing by company
» Medically necessary
» Not experimental or investigational
Applies to period of coverage max. Max limit applies towards lifetime max.
Inpatient & Outpatient Treatmentmaximum limit: $250,000.
Subject to deductible and coinsurance
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
Vision Optional Rider
Emergency Local Ambulance
(Injury or Illness resulting in an inpatient hospital admission)
$1,500 maximum limit per event.
Not subject to deductible or coinsurance
Emergency evacuation $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance
Interfacility Ambulance Transfer
( Transfer from one licensed health care
facility to another licensed health care facility)
$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only
Return of mortal remains $25,000 lifetime maximum.
Not subject to deductible or coinsurance
Traumatic Dental InjuryTreatment at a hospital facility $1,000 per period of coverage
Non-Emergency Dental Optional Rider
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. Not subject to deductible or coinsurance
Child Preventative Care( Through age 18) $70 maximum per visit, 3 visit limit per period of coverage.
Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation $50,000 lifetime maximum;
$5,000 per period of coverage for unknown conditions.
Available after 24 months of continuous coverage*

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.

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