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Global Medical Insurance - Silver - International Health Insurance

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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 Silver - Area 2
Fixed Coverage
Worldwide, Excluding United States, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan
$5,000,000 Lifetime
Outside U.S.: 50% of deductible waived up to $2,500. After deductible, plan pays 100% to policy maximum

Medical - Outpatient

$70 per visit, maximum of 25 visits for all office visits.
$70 per visit, maximum of 25 visits for all office visits.
$70 per visit, maximum of 25 visits for all office visits.
12 month waiting period. $70 per visit, maximum of 25 visits for all office visits. Outpatient only.
$50 per visit, maximum of 25 visits for all office visits. Must be ordered in advance by physician.
To policy maximum
To policy maximum, maximum of 90 days per prescription. Orphan Drugs or Biologic Drugs do not apply to the maximum limit per event.
X-ray $250 per exam; Lab services $300 per test
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.

Medical - Inpatient

$600 per day, maximum of 240 consecutive days.
$1,500 per day, maximum of 180 consecutive days.
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
-
$1,500 per covered event Illness must result in hospital admission.
12 month waiting period. $70 per psychiatrist visit, maximum of 25 visits for all office visits.
$40 per visit, maximum of 1 visit per day, maximum of 30 visits. Must be ordered in advance by physician.
None
Yes
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.
$500 per consultation, maximum of 25 visits (combined with Physician, Specialist, and Chiropractor).
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
$250,000 lifetime
$600 per covered event
-
To policy maximum, maximum of 30 days.
To policy maximum, maximum of 30 days.
Terminally Ill - 6 months to live: to policy maximum, maximum of 30 days.
Included

Maternity Coverage

-
-
-

Dental

Optional
$1,000

Wellness

-
$70 per visit, maximum of 3 visits.

Travel

-
$50,000
$25,000
$5,000

Life

Included in Optional Term Life Insurance
-
Optional

Alternative Medicine

-
-
-
-
-
-

Other

Private Hospital: $400 per night, maximum of $4,000 Public Hospital: $500 per night, maximum of $5,000
-

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.
$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
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation

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  • 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).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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