Has a plan covering up to $8 million for lifetime of the policy.
Coinsurance inside the US & Canada (outside of PPO network) - 90% of the first $5000 after the deductible and then 100% of overall max per period of coverage
Maternity benefit of up to $50,000 (lifetime benefit).
New-born care and congenital disorders covered up to $250,000 for first 31 days.
Non-emergency dental of up to $750 per calendar year.
Emergency dental due to accident: URC.
Adult and child wellness benefit available.
Vision care of up to $100 for exams, up to $150 for materials per 24 month period.
Deductible per period of coverage and 50% waiver of deductible if service is taken within the PPO network.
High-school sports injury up to $20,000 per certificate period.
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.
Freedom to choose your health care provider.
Mental/Nervous: $50,000 Lifetime benefit, available after 12 months of continuous coverage.
Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
Optional Adventure Sports Rider is available providing lifetime coverage of $25,000
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Example to show how Global Medical Platinum plan works? *
Consider an example where your:
Insurance coverage is $8,000,000
Deductible is $250 per certificate period
Coinsurance for claims incurred inside US and in the PPO: After the deductible, 90% of first $5,000 and then 100% to the policy limit
Your claims for medical expenses is $24,850
Below is a simple calculation showing how much the plan/insurance company pays you:
Subtract the deductible from claims amount - $24,850 minus $250 equals $24,600. Insured bears $250
Apply 90% coinsurance for first $5,000 of $24,600. i.e. $5,000*0.90 equals $4500. Insurance Company will pay upto $5,000. Insured bears $500
Plan/insurance company pays: $24,600 minus $500 equals $24,100 and insured bears $750
Expense
Amount billed
Amount Insurance Pays
Amount Insured Owes
Deductible
$250
$0
$250
Days in hospital
$2,000/day for 3 days
$4,500+$1000
$500 (10% of first $5,000)
Surgery
$16,500
$16,500
$0
Prescription Drugs
$600
$600
$0
X Ray
$1,500
$1,500
$0
Total:
$24,850
$24,100
$750
Unique Benefits
Non-US Citizens may avail of this plan wherever in the world they may be with no restrictions on time spent in any country.
Freedom to choose your health care provider.
No co-insurance outside USA and Canada!
Deductible reduced by 50% if treatment is sought within the PPO network.
Maternity benefit of up to $50,000 (lifetime benefit).
New-born care and congenital disorders covered up to $250,000 for first 31 days.
Non-emergency dental of up to $750 per calendar year.
Emergency dental due to accident: URC
Vision care of up to $100 for exams, up to $150 for materials per 24 month period.
High-school sports injury up to $20,000 per certificate period.
Mental/Nervous: $50,000 Lifetime benefit, available after 12 mos of continuous coverage.
Child Wellness: $400/period of coverage, available after 6 mos of continuous coverage.
Adult Wellness: $500/period of coverage, available after 6 mos of continuous coverage, for 18 years and older.
Optional Sports Rider is available providing lifetime coverage of $25,000 for adventure sports such as mountaineering, parachuting, and whitewater rafting. This optional rider also includes lifetime coverage up to $10,000 for amateur sports when not engaged for wage, reward, or profit along with contact sports like soccer and hockey.
Global Medical Platinum covid travel insurance coverage for Coronavirus
The Global Medical Platinum insurance includes COVID19 coverage up to the policy maximum.
For easy and immediate access of the IMG documents and services, IMG has provided an ONLINE FULLFILLMENT KIT. This online kit allows the applicant to communicate electronically and download the ID card, IMG contact numbers, claims forms and insurance certificate providing the complete description of the coverage.
To receive the online kit, the applicant must check the appropriate box listed in Section 2 of the application form. The applicant must provide a correct email address to complete this process. If IMG has processed and approved the application, an email will be sent from IMG that contains all the hyperlinks to easily obtain the fullfillment information.
