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Global Medical Insurance - Gold - International Health 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.

General

GMI Gold - Area 2
Comprehensive
Worldwide, Excluding the 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

To policy maximum
To policy maximum
To policy maximum
12 month waiting period. $10,000 per period, $50,000 lifetime.
Must be ordered in advance by physician.
To policy maximum
To policy maximum, maximum of 90 days per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.

Medical - Inpatient

Average semi-private room rate, to policy maximum.
To policy maximum
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
-
To policy maximum

Illness must result in hospital admission.
12 month waiting period. $10,000 maximum, $50,000 lifetime.
$50 per visit, maximum of 1 visit per day.

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.
To policy maximum
100% if requested, reduced to 50% if not obtained when required.
Transplants, Interfacility Ambulance Transfer, Medical Evacuation - no coverage if not pre-certified; otherwise covered at 100%; All other - 50%
180 days
$1,000,000 lifetime
To policy maximum
$300/accident. Not subject to deductible and coinsurance.
To policy maximum
To policy maximum
Terminally Ill - 6 months to live, to policy maximum.

Dental

Unexpected Pain: $100 per period, maximum of $500.
Optional coverage available.
To policy maximum

Wellness

$250 per period of coverage.
$200 per period of coverage.

Travel

$10,000, maximum of 15 days; $25 per day meal maximum.
To policy maximum
$25,000
$5,000

Alternative Medicine

$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage
$500 per period of coverage

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.

Look at certificate wording for additional benefits.
$250
$500
$1,000
$2,500
$5,000
$10,000
$25,000
International Medical Group (IMG)
Sirius International
A "Excellent"
  • 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.

Did you know?

Prices are regulated by law.

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

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Why purchase 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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