+1-8159656700
Broadmoor Agency
+1-8159656700
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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.
General
GMI Silver - Area 3
Worldwide
$5,000,000 Lifetime Maximum Limit
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.
Outside U.S.: 50% of deductible waived up to $2,500. After deductible, plan pays 100% to policy maximum
Medical - Outpatient
$70 per visit, maximum of 25 visits for all office visits.
$70 per visit, maximum of 25 visits for all office visits.
$70 per visit, maximum of 25 visits for all office visits.
12 month waiting period. $70 per visit, maximum of 25 visits for all office visits. Outpatient only.
$50 per visit, maximum of 25 visits for all office visits. 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. Orphan Drugs or Biologic Drugs do not apply to the maximum limit per event.
X-ray $250 per exam;
Lab services $300 per test
To policy maximum
To policy maximum
20% of primary surgeon's eligible fee.
Medical - Inpatient
$600 per day, maximum of 240 consecutive days.
$1,500 per day, maximum of 180 consecutive days.
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
-
$1,500 per covered event
Illness must result in hospital admission.
12 month waiting period. $70 per psychiatrist visit, maximum of 25 visits for all office visits.
$40 per visit, maximum of 1 visit per day, maximum of 30 visits.
Must be ordered in advance by physician.
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.
$500 per consultation, maximum of 25 visits (combined with Physician, Specialist, and Chiropractor).
100% if requested, reduced to 50% if not obtained when required.
Transplants, Interfacility Ambulance Transfer, Medical Evacuation, Orphan Drugs or Biologic Drugs - no coverage if not pre-certified; otherwise covered at 100%; All other - 50%
180 days
$250,000 lifetime
$600 per covered event
-
To policy maximum, maximum of 30 days.
To policy maximum, maximum of 30 days.
Terminally Ill - 6 months to live, to policy maximum; maximum of 30 days.
Included
Maternity Coverage
Dental
Optional
$1,000
Wellness
-
$70 per visit, maximum of 3 visits.
Travel
Life
Included in Optional Term Life Insurance
-
Optional
Alternative Medicine
Other
Private Hospital: $400 per night, maximum of $4,000
Public Hospital: $500 per night, maximum of $5,000
Excludes U.S.
-
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.
$250 Up to 74
$500 Up to 74
$1,000 Up to 74
$2,500 Up to 74
$5,000 Up to 74
$10,000 Up to 74
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
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- 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.
- The dash (-) in the fields above means Not Applicable (N/A).
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