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.
Eligibility
Optional Riders
Underwriter| Benefits | Coverage |
| Deductible Carry Forward | Included |
| 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 board | In U.S. – 100% of average semi-private room rate. Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate). |
| Intensive care | $1,500 per day - 180 days of coverage per event |
| Surgery | 100% |
| Assistant Surgeon | 20% of surgery benefit |
| Outpatient Office visits and Diagnostic/X-Ray |
|
| Chemotherapy or Radiation Therapy | Usual, reasonable and customary charges |
| Transplants | $250,000 lifetime maximum |
| Emergency room illness (Additional $250 deductible if not admitted as an in patient) | 100% |
| Emergency room accident | 100% |
| Local ambulance due to injury or illness resulting in hospitalization | $1,500 maximum limit per event - not subject to deductible or coinsurance. |
| Emergency evacuation | Up to $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. |
| Emergency reunion | NA |
| Return of mortal remains | $25,000 lifetime maximum - not subject to deductible or coinsurance. |
| Rx coverage | 100% |
| Physical therapy | Maximum $40 per visit - 30 visit maximum |
| Emergency dental due to accident | $1,000 per period of coverage |
| 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 Limitation | $50,000 lifetime maximum; $5,000 per period of coverage after 24 months |
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