Insubuy Insurance

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Global Medical Insurance - Platinum - 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
$8,000,000 lifetime
Available deductibles
$100
$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 private room rate, including nursing services
Hospital room & board, outside USA/Canada
Average private room rate, including nursing services
Intensive care unit, USA/Canada
URC
Intensive care unit, outside USA/Canada
URC
URC
URC
URC
URC for covered event
URC
URC
URC
Waiting period 12 months. $50,000 lifetime
-
URC
URC
URC
Same as any other Injury or Illness if disclosed on Application and not excluded or limited by Rider.
180 days
In U.S.: Rx drug card. Copay: $20 generic, $40 brand name; Outside U.S.: URC
URC
URC
URC
$50/visit, 1 visit/day - 30 visit maximum
URC
$2,000,000 lifetime
Transplants, Interfacility Ambulance Transfer, Medical Evacuation - 100%, Other - 50%
50%
URC
$500 of Eligible Medical Expenses following an accident
Waiting period 12 months. $50,000 lifetime
MATERNITY
Waiting period 10 months. URC, $2,500 additional deductible, $50,000 lifetime.
Included in maternity benefit
$250,000 first 31 days, new born care & congential disorders; $200 first 12 months, wellness.
DENTAL
URC
WELLNESS
Waiting period 6 months. $500/period of coverage
Waiting period 6 months. $400/period of coverage
TRAVEL
Up to policy maximum
$50,000 maximum; local burial/cremation $5,000 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.
Credit Card Credit Card Credit Card Credit Card Credit Card Credit Card
 

  • URC - Usual, Reasonable and Customary Charges.

  • Coverages shown are per person unless noted otherwise.