Global Medical Gold Insurance
Global Medical Gold is coverage designed for individuals or families living or working abroad. It is ideally suited for those who desire full major medical coverage but for a limited period of time. It provides comprehensive benefits for the first three years of coverage. After three years, certain benefits and lifetime maximums are reduced.
What makes this plan so great?
- Medical maximum of $5,000,000 per individual
- Six deductible options from $250 to $10,000
- Lifetime medical coverage available
- Emergency medical evacuation benefit
- Optional additional coverage for dental, vision, & maternity
U.S. citizens must plan to leave the U.S. on or before their effective date and reside outside the U.S. for at least six out of the next 12 months. With all IMG plans, you’ll have access to multilingual customer service centers, claims administrators, and 24-hour emergency medical services.
Global Medical Gold Plan Details
Overview
| Medical Maximum | $5,000,000 lifetime per individual |
| Deductible |
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| Family Deductible | 3 times the individual deductible |
| Treatment outside the U.S. and Canada | No co-insurance, subject to deductible |
PPO Network - Deductible 50% Waived (to a $2,500 Maximum). No co-insurance. |
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| Treatment inside the U.S. - In-patient Non-emergency | Medical Concierge - deductible 50% waived (to a $2,500 maximum). No co-insurance. PPO Network - subject to deductible. No co-insurance. |
| Treatment Inside the U.S. - Non-PPO Network and Canada |
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| Hospital Room and Board | (1st 36 months of continuous coverage): In U.S./Canada – URC of average semi-private room rate. Outside of U.S./ Canada - URC of private room rate (not to exceed 150% of semi-private room rate) (Beginning the 1st day of the 37th month): Up to a limit of $2,250 per day - semi-private room rate |
| Intensive Care | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): Up to a limit of $4,500 per day |
| Surgical Treatment | URC |
| Anesthetist's Charges Associated with Surgery | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): 20% of surgery benefit |
| Transplants | (1st 36 months of continuous coverage): $1,000,000 lifetime maximum (Beginning the 1st day of the 37th month): $500,000 |
| Out-patient Medical Expenses | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 co-pay; Diagnostic Lab and X-Rays limited to $5,000 per certificate period |
| Emergency Room Illness with In-patient Admission | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): URC |
| Emergency Room Illness without In-patient Admission | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): URC |
| Emergency Room Accident | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): URC |
| Supplemental Accident | (1st 36 months of continuous coverage): $300 per occurrence (Beginning the 1st day of the 37th month): $300 per occurrence |
| Local Ambulance | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): $100 per event - not subject to deductible or co-insurance |
(1st 36 months of continuous coverage): $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage (Beginning the 1st day of the 37th month): $2,500 maximum per certificate period; In-patient limited to 25 days per certificate period; Out-patient limited to max of 20 visits per certificate period at 70% eligible expenses, up to $75 maximum per visit; Lifetime maximum of $30,000 |
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| Emergency Evacuation | (1st 36 months of continuous coverage): Up to maximum limit - not subject to deductible or co-insurance (Beginning the 1st day of the 37th month): $250,000 limit per person per certificate period |
| Emergency Reunion | $10,000 lifetime maximum |
| Return of Remains | (1st 36 months of continuous coverage): $25,000 lifetime maximum per insured - not subject to deductible or co-insurance (Beginning the 1st day of the 37th month): $15,000 lifetime maximum per insured - not subject to deductible or co-insurance |
| Child Wellness | $200 maximum per period of coverage - not subject to deductible or co-insurance - Available after 12 months of continuous coverage |
| Adult Wellness | $250 per period of coverage - not subject to deductible or co-insurance - Available for those 30 years of age and over after 12 months of continuous coverage. |
| RX | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): $5,000 per certificate period for each insured person, out-patient only |
| Other Services | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): URC - Radiation & Chemotherapy treatments (in and out-patient) limited to $10,000 per year; $50,000 lifetime maximum |
| Physical Therapy | (1st 36 months of continuous coverage): Maximum $50 per visit (Beginning the 1st day of the 37th month): Maximum $50 per visit - $1,000 max per certificate period. $10,000 lifetime maximum |
| Complementary Medicine | Acupuncture $150 |
| Recreational Scuba | URC |
| Non Emergency Dental | Optional Rider |
| Emergency Dental | (1st 36 months of continuous coverage): URC (Beginning the 1st day of the 37th month): $500 per period of coverage |
| Vision | Optional Rider |
| Maternity | Optional Rider* - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section - not subject to deductible or co-insurance, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage) |