Global Mission Medical Insurance provides you with a choice of four plan options: Bronze, Silver, Gold and Platinum. You also have the opportunity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada. Simply choose the plan option and coverage area that best fits your needs. Each one offers a full range of benefits suited for missionaries and their families.
Global Mission Medical Insurance is offered to the persons less than 75 years of age.
AM Best Rating: "A" (Excellent)
| Plan benefits of Global Mission Medical insurance | |||
| BRONZE | SILVER | GOLD | PLATINUM |
| Lifetime Maximum Limit | |||
| $1 million/individual | $5 million/individual | $5 million/individual | $8 million/individual |
| Deductible (Per Period of Coverage): | |||
| $250 to $10,000 | $250 to $10,000 | $250 to $25,000 | $100 to $25,000 |
| Optional Coverage at additional cost | |||
| Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision | Global Term Life Insurance including Accidental Death & Dismemberment; Dental and Vision | Global Term Life Insurance including Accidental Death & Dismemberment; Adventure Sports Rider; Dental and Vision | Global Term Life Insurance including Accidental Death & Dismemberment; Terrorism; Adventure Sports Rider; |
| Treatment outside / inside the U.S. (using Medical Concierge) | |||
| 50% of deductible waived, up to maximum of $2,500. No coinsurance | |||
| Treatment inside the U.S. | |||
| PPO Network: Subject to deductible. No coinsurance Non-PPO Network: Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum limit. |
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| Coinsurance | |||
| International - 100%; U.S. in-network - 100%; U.S out-of-network - 80% | |||
| Outpatient Treatments | |||
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Diagnostic / X-Ray: $250 maximum per visit Lab tests: $300 maximum per visit Specialists / Physician charges: $500 maximum limit (pre-inpatient / post-inpatient) |
Diagnostic / X-Ray: $250 maximum per visit Lab tests: $300 maximum per visit Specialists / Physician charges: $70 per visit/examination (25 combined maximum visits) Chiropractor charges: $50 per visit / examination Surgery intervention consultation charges: $500 per consultation |
Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental / Nervous | |||
| No Coverage | Outpatient after 12 months of continuous coverage | $10,000 maximum. Avaliable after 12 months of continuous coverage | $50,000 lifetime maximum. Avaliable after 12 months of continuous coverage |
| Hospital Emergency Room Injury | |||
| Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Hospital Emergency Room Illness | |||
| Covered only if admitted as inpatient | Additional $250 deductible if not admitted as an inpatien | Additional $250 deductible if not admitted as an inpatient | Additional $250 deductible if not admitted as an inpatient |
| Hospitalization/ Room & Board | |||
| Subject to deductible and coinsurance for average semi-private room rate | Subject to deductible and coinsurance for average semi-private room rate.All subject to $600 per day /240 day maximum | Subject to deductible and coinsurance for average semi-private room rate | Subject to deductible and coinsurance for average private room rate |
| Intensive Care Unit | |||
| Subject to deductible and coinsurance | $1,500 limit per day - 180 days of coverage per event | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy | |||
| $600 maximum limit per examination | $600 maximum limit per examination | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Surgery | |||
| Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Assistant Surgeon | |||
| 20% of primary surgeon’s charge | 20% of primary surgeon’s charge | 20% of primary surgeon’s charge | 20% of primary surgeon’s charge |
| Chemotherapy or Radiation Therapy | |||
| Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Maternity | |||
| No Coverage | No Coverage | No Coverage | $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 | |||
| No Coverage | No Coverage | $750 per period of coverage | $750 per period of coverage |
| Physical Therapy | |||
| $40 maximum per visit - 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery | $40 maximum per visit - 30 visit limit | $50 maximum per visit | $50 maximum per visit |
| Transplants | |||
| $250,000 lifetime maximum | $250,000 lifetime maximum | $1,000,000 lifetime maximum | $2,000,000 lifetime maximum |
| Prescription Coverage | |||
| Available for 90 days following related inpatient treatment or outpatient surgery. $600 maximum limit per event(includes dressings and durable medical equipment) |
90-day supply per prescription following related covered event.U.S. Retail Pharmacy out-of-network: 80% International Retail Phamacy: 100% |
90-day supply per prescription.U.S. Retail Pharmacy out-of-network: 80% International Retail Phamacy: 100% |
U.S. Retail Pharmacy: prescription drug card required.Co-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 Program | |||
| No Coverage | No Coverage | No Coverage | Co-pay per 30-day supply: $20 for generic / $40 for non-preferred brand name. Must enroll via provider website: www.expatps.comDispensing maximum: 180 days |
| Orphan or Biologic Drugs | |||
| Inpatient Treatment maximum limit: $250,000. Outpatient Surgery: up to the maximum limit. Subject to deductible and coinsuranceDoes not apply to maximum limit per event |
Inpatient & Outpatient Treatmentmaximum limit: $250,000. Subject to deductible and coinsurance |
Inpatient & Outpatient Treatmentmaximum limit: $250,000. Subject to deductible and coinsurance |
Maximum limit $250,000.U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments. International retail pharmacy: Subject to deductible and coinsurance. Inpatient/outpatient medical treatment: 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 | $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 | $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 | $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 | Optional Rider | Optional Rider | $100 maximum per 24 months for exams. $150 per 24 months for materials |
| Local Ambulance (U.S. only) | |||
| $1,500 maximum limit per event | $1,500 maximum limit per event | Subject to deductible and coinsurance. | Not subject to deductible or coinsurance |
| Emergency evacuation( Not subject to deductible or coinsurance) | |||
| Up to $50,000 maximum per period of coverage. | Up to $50,000 maximum per period of coverage. | Up to lifetime maximum limit. | Up to maximum limit. |
| Emergency Reunion | |||
| $10,000 lifetime maximum | No Coverage | $10,000 lifetime maximum | $10,000 lifetime maximum |
| Interfacility Ambulance Transfer | |||
| $1,500 maximum limit per event. Not subject to deductible or coinsurance.U.S. only | $1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only | Subject to deductible and coinsurance.U.S. only | Not subject to deductible or coinsurance.U.S. only |
| Political Evacuation and Repatriation | |||
| No Coverage | No Coverage | No Coverage | $10,000 lifetime maximum |
| Remote Transportation | |||
| No Coverage | No Coverage | No Coverage | $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance |
| Return of Mortal Remains (not subject to deductible or coinsurance) | |||
| $10,000 lifetime maximum | $25,000 lifetime maximum | $25,000 lifetime maximum | $50,000 lifetime maximum |
| Complementary Medicine | |||
| No Coverage | No Coverage | $500 maximum limit per period of coverage | $500 maximum limit per period of coverage |
| Traumatic Dental Injury | |||
| $1,000 per period of coverage | $1,000 per period of coverage | Up to lifetime maximum limit | Up to lifetime maximum limit |
| Treatment Due to Unexpected Pain to Sound, Natural Teeth | |||
| No Coverage | No Coverage | $100 per period of coverage | 100% |
| Non Emergency Dental due to Accident | |||
| No Coverage | No Coverage | $500 per period of covergae | $750 maximum per period of cov-erage; $50 individual deductible, applies to minor restorative and major restorative services |
| Non Emergency Dental | |||
| Optional Rider | Optional Rider | Optional Rider | $750 maximum per calendar year; $50 individual deductible, applies to minor restorative and major restorative services. |
| Hospital Indemnity (Inpatient hospitalisation outside the U.S. only) | |||
| Private Hospitals: $400 per overnight and $4,000 maximum limit per calendar year. Public Hospitals: $500 per overnight and $5,000 maximum limit per calendar year. |
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| Supplemental Accident | |||
| No Coverage | No Coverage | $300 of eligible medical expenses following an accident . Not subject to deductible or coinsurance | $500 maximum limit per accident. Not subject to deductible and coinsurance |
| Adult Preventative Care(Age 19 or older) | |||
| No Coverage | No Coverage | $250 per period of coverage | $500 per period of coverage |
| Child Preventative Care( Through age 18) | |||
| No Coverage | $70 maximum per visit, 3 visit per period of coverage | $200 maximum per period of coverage | $400 maximum per period of coverage |
| Pre-Existing Conditions Limitation | |||
| Excluded | $50,000 lifetime maximum; $5,000 per period of coverage after 24 months | $50,000 lifetime maximum; $5,000 per period of coverage after 24 months | Covered if disclosed and not excluded by rider |
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