Insubuy Insurance

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Global Medical Insurance - Silver - 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
Fixed Coverage 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

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
$600/day, 240 consecutive day maximum
Hospital room & board, outside USA/Canada
$600/day, 240 consecutive day maximum
Intensive care unit, USA/Canada
$1,500/day, 180 day maximum per event
Intensive care unit, outside USA/Canada
$1,500/day, 180 consecutive day maximum
URC
URC
URC
$1,500/covered event
URC
$70/visit, 25 visit maximum (All office visits)
$70/visit, 25 visit maximum (All office visits)
Waiting period 12 months. $70/visit, 25 maximum (All office visits)
$50/visit, 25 visit maximum (All office visits)
$500/visit, 25 visit maximum (All office visits)
$250/exam
$300/exam
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
URC, 30 day maximum, after hospital transfer
URC, 30 day maximum after hospital transfer
URC, 30 day maximum
$40/visit, 10 visit maximum
$600/exam
$250,000/lifetime
Transplants, Interfacility Ambulance Transfer, Medical Evacuation - 100%, Other - 50%
50%
URC
-
Waiting period 12 months. $70/visit to psychiatrist; 25 visits maximum.
MATERNITY
-
-
-
DENTAL
Traumatic Injury: $1,000
WELLNESS
-
After 12 months, $70/visit, 3 visits/year
TRAVEL
$50,000/period of coverage
$25,000 maximum; local burial/cremation $5,000 maximum.
-
LIFE
Optional
-
Optional
ALTERNATIVE MEDICINE
-
-
-
-
-
-
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.