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Global Medical Insurance - Platinum - 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 Platinum - Area 2
Comprehensive
Worldwide, Excluding the United States, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan
$8,000,000 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

$250 deductible if illness does not result in hospital admission.
To policy maximum, maximum of 90 days per prescription.
To policy maximum
To policy maximum
To policy maximum
To policy maximum

Medical - Inpatient

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

Medical - Other Treatment And Services

-
To policy maximum
To policy maximum
Optional
To policy maximum Illness must result in hospital admission.
12 month waiting period. $50,000 lifetime.
$50 per visit, 1 visit per day. Must be ordered in advance by physician.
None
None
-
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
$2,000,000 lifetime
To policy maximum
$500 of Eligible Medical Expenses following an accident.
To policy maximum
To policy maximum
Terminally Ill - 6 months to live: to policy maximum.

Maternity

10 month waiting period. $2,500 additional deductible, $50,000 lifetime.
Included in Maternity benefit.
First 31 days: $250,000 maximum for newborn care and congenital disorders. After 31 days to 12 months: $200 maximum for routine care.

Dental

6 month waiting period. Non-emergency: $750 per period
To policy maximum

Wellness

6 month waiting period. $500 per period.
6 month waiting period. $400 per period.

Travel

$10,000, maximum of 15 days; $25 per day meal maximum.
To policy maximum
$50,000
$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 Excludes U.S.
Optional

Plan Features

Before effective date, full refund.

After effective date, short rate refund.
$0
$0
-
$100
$250
$500
$1,000
$2,500
$5,000
$10,000
$25,000
International Medical Group (IMG)
Sirius International
A "Excellent"

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 would not be 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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