(248) 835-5541
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- (248) 835-5541
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Shyue-Jyh Yau
(248) 835-5541
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Global Medical Insurance - Gold - Expat Insurance
Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.
All the amounts are in U.S. dollars.
General
GMI Gold - Area 3
Worldwide
$5,000,000 Lifetime
After deductible, you pay 20% of the first $5,000 of eligible expenses, rest covered at 100% up to policy maximum. Coinsurance waived when using PPO or Medical Concierge Provider.
Outside U.S.: 50% of deductible waived up to $2,500. After deductible, plan pays 100% to policy maximum
Medical - Outpatient
To policy maximum
To policy maximum
To policy maximum
12 month waiting period. $10,000 per period, $50,000 lifetime.
Must be ordered in advance by physician.
To policy maximum
$250 deductible if illness does not result in hospital admission.
To policy maximum, maximum of 90 days per prescription. Orphan Drugs or Biologic Drugs do not apply to the maximum limit per event.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.
Medical - Inpatient
Average semi-private room rate, to policy maximum.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.
To policy maximum
Medical - Other Treatment And Services
-
To policy maximum
To policy maximum
-
To policy maximum
Illness must result in hospital admission.
12 month waiting period. $10,000 maximum, $50,000 lifetime.
$50 per visit, maximum of 1 visit per day.
Must be ordered in advance by physician.
Known Disclosed: To policy maximum unless excluded by a Rider.
Non-Disclosed: No coverage.
Unknown: 24 month waiting period, then $5,000 per period, maximum of $50,000 lifetime.
No sub-limits and no waiting period with proof of prior creditable coverage.
To policy maximum
100% if requested, reduced to 50% if not obtained when required.
Transplants, Interfacility Ambulance Transfer, Medical Evacuation, Orphan Drugs or Biologic Drugs - no coverage if not pre-certified; otherwise covered at 100%; All other - 50%
180 days
$1,000,000 lifetime
To policy maximum
$300/accident. Not subject to deductible and coinsurance.
To policy maximum
To policy maximum
Terminally Ill - 6 months to live, to policy maximum.
Included
Maternity Coverage
Dental
Unexpected Pain: $100 per period, maximum of $500.
Optional coverage available.
To policy maximum
Wellness
$250 per period of coverage.
$200 per period of coverage.
Travel
$10,000, maximum of 15 days; $25 per day meal maximum.
To policy maximum
$25,000
$5,000
Life
Included in Optional Term Life Insurance
-
Optional
Alternative Medicine
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
Other
Private Hospital: $400 per night, maximum of $4,000
Public Hospital: $500 per night, maximum of $5,000
Excludes U.S.
-
Plan Features
Before effective date, full refund.
After effective date, short rate refund.
$0
$0
Health Travel Preventative Coverage: $250 for vaccinations and preventative prescription drugs administered by a Physician 30 days prior to initial effective date and before departure.
Look at certificate wording for additional benefits.
$250 Up to 74
$500 Up to 74
$1,000 Up to 74
$2,500 Up to 74
$5,000 Up to 74
$10,000 Up to 74
$25,000 Up to 74
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
Purchase this plan instantly online today!
- URC - Usual, Reasonable and Customary Charges.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).
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