Insubuy Insurance

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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.


 

Purchase
Comprehensive Help
International Medical Group (IMG)
Sirius International
A "Excellent"
Coverage area
Worldwide
$5,000,000 lifetime
Available deductibles
$250
$500
$1,000
$2,500
$5,000
$10,000
$25,000

Non-US Provider: 50% of deductible waived, up to a maximum of $2,500.
Co-insurance, USA/Canada
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.
Co-insurance, outside USA/Canada
After deductible, covered at 100% up to policy maximum
MEDICAL
Hospital room & board, USA/Canada
Average semi-private room rate, including nursing services. (3yr+: $2,250/day)
Hospital room & board, outside USA/Canada
Average semi-private room rate, including nursing services. (3yr+: $2,250/day)
Intensive care unit, USA/Canada
URC (3yr+: $4,500/day)
Intensive care unit, outside USA/Canada
URC (3yr+: $4,500/day)
URC
URC (3yr+: 20% of surgery benefit)
URC (3 yr+: $2,250/day, ICU: $4,500/day). Covered in hospital room/board or ICU charges.
URC, (3yr+: $100 limit for illness resulting in hospital admission).
URC
URC (3 yr+: $150/visit)
URC (3 yr+: $150/visit)
Waiting period 12 months. $10,000/period, $50,000 lifetime. (3yr+: 70% coverage, maximum of $75/visit; $2,500/period).
-
URC
URC (3yr+: $5,000/period of coverage)
URC (3yr+: $5,000/period of coverage)
Known Disclosed: URC, unless excluded by a Rider. Non-Disclosed: No Coverage. Unknown: Waiting period 24 months, then $5,000/period, $50,000 lifetime.
180 days
URC (3 yr+: $5,000/period of coverage, outpatient)
URC, 30 day maximum after hospital transfer
Waiting period 12 months. $10,000/period, $50,000 lifetime. (3yr+: 70% of $75/visit)
URC, 30 day maximum
$50/visit, 1 visit/day (3yr+: $50/visit, 1 visit/day, $1,000/period of coverage, $10,000 lifetime)
URC, (3yr+: $5,000/period of coverage, outpatient).
$1,000,000 lifetime (3yr+: $500,000 lifetime)
Transplants, Interfacility Ambulance Transfer, Medical Evacuation - 100%, Other - 50%
50%
URC
$300 of Eligible Medical Expenses following an accident
Waiting period 12 months. $10,000/period, $50,000 lifetime. (3yr+: 70% coverage, maximum of $75/visit; $2,500/period).
MATERNITY
-
-
-
DENTAL
Emergency: $100/period of coverage. Traumatic Injury: URC (3yr+: $5,000/period of coverage).
WELLNESS
Waiting period 12 months. $250/period of coverage.
Waiting period 12 months. $200/period of coverage.
TRAVEL
Up to policy maximum, (3 yr+: $250,000/period of coverage).
$25,000 maximum; local burial/cremation $5,000 maximum. (3yr+: $15,000 maximum)
$10,000 maximum, 15 day maximum, $25/day meal maximum.
LIFE
Optional
-
Optional
ALTERNATIVE MEDICINE
$500/period of coverage
$500/period of coverage
$500/period of coverage
$500/period of coverage
$500/period of coverage
$500/period of coverage
PLAN FEATURES
Brochure
Certificate Wording
Provider Directory
Paper Application
Diabetes Questions
List Bill Forms
Hospital outside US: Private $400/night, $4,000 maximum; Public $500/night, $5,000 maximum.
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  • URC - Usual, Reasonable and Customary Charges.

  • Coverages shown are per person unless noted otherwise.