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Ask Our Specialists
GMI Silver Questions . I bought GMI Silver from you. I want to get more explanation of outpatient benefit. It is stated USD 70 per visit, max 25 visit. Is it subject to deductible, as my deductible is USD 1000, does it mean the outpatient benefit is useless? 2. Is it possible to add more member to a family? My husband may want to join under the same policy.
1. Yes, it is subject to deductible. However, deductible is annual (once a year). Therefore, outpatient benefit is still useful. 2. You can't really add the family members (there is no advantage in doing that.) You can buy a new one at /expatriate-health-insurance/
Say, someone goes to doctor (outpatient) 20 times during the year, total per visit is USD 60. Does it mean he can claim the USD 1200 less USD 1000 deductible? Does he need to submit the bill everytime he visits the doctor (even it is only USD 60), or can he accumulates and once it is over USD 1000, submit all documents at once to the insurer? Does the limit including medical prescribed by the doctor? It is really confusing. I need to understand before buying one for myself. Thank you.
In that case, the person would get $200 ($1200-$1000). You should submit the bills as and when you use the insurance. Prescription drugs coverage is separate. Please let me know if you have any other questions.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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