Global Medical Insurance

Global Medical Gold Insurance is long-term, annually-renewable, major medical insurance that provides worldwide coverage to individuals and families of all nationalities. This is an ideal plan for those who need a full range of medical benefits.

As part of the eligibility requirements for Global Medical Gold Insurance, US citizens must reside abroad or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months. Non-US citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-US citizens residing in the US.

If you are interested in this plan, you may also want to review Global Basic Insurance^SM. It offers somewhat reduced benefit levels which also reduces the cost of the coverage.

You also have the option of adding Global Term Life Insurance^SM and Global Daily Indemnity^SM to your Global Medical Gold Insurance coverage.

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Global Term Life Insurance

• Global Term Life Insurance provides protection for your family at the time of a traumatic loss and is available with no additional underwriting. This coverage is available for a standard annual premium of $240 and includes an Accidental Death and Dismemberment benefit.

Global Daily Indemnity

• Global Daily Indemnity pays you US$100 for each covered overnight hospital stay other than those related to pregnancy.

Lifetime Eligibility

Individuals on the Global Medical Gold Insurance plan by their 65th birthday and maintaining continuous coverage to age 75 are eligible for IMG's Global Senior Plan^SM.

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Plan Benefits

Global Medical Gold Insurance (GMI) covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per policy period (12 months) with a maximum of three deductibles per family.  For eligible expenses incurred in the U.S. and Canada: once the deductible is met, GMI pays 80% of the next US$5000 in eligible expenses then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred outside the U.S. and Canada: once the deductible is met, GMI will pay 100% of eligible expenses up to the policy maximum.

MEDICAL INSURANCE	BENEFIT Subject to deductible and coinsurance
Coverage Area	Worldwide
Policy Maximum Per Individual	US$5,000,000 lifetime
Hospitalization Semi-private room and board • Nursing services • Prescription medication • Physician charges • Diagnostic and laboratory testing • X-rays • Chemotherapy and radiation • Durable medical equipment • Treatment, services and supplies routinely provided	URC
Intensive Care Unit	URC
Surgery Surgical care • Second surgical opinion • Anesthetics • Physician charges for surgery • Treatment, services and supplies routinely provided	URC
Transplants Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently-contracted PPO network	US$1,000,000 lifetime
Outpatient Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided • Prescription medication	URC
Emergency Surgery or dental treatment following an accident• Emergency room following an accident	URC
Emergency Transportation by Ground Ambulance	URC
Emergency Medical Evacuation Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime	Up to policy maximum
Repatriation	US$25,000
Supplemental Accident The first $300 will be covered for each accidental injury	US$300 per occurrence (not subject to the deductible or coinsurance)
Maternity Available after 12 months of continuous coverage • Pre and Post-natal care • Normal delivery or C-section • Well baby care and treatment of newborn for first 31 days	US$50,000 lifetime maximum of US$5,000 for normal delivery for each pregnancy; maximum of US$7,500 for C-Section delivery for each pregnancy
Newborns Eligible newborn children may be added without evidence of insurability under certain circumstances • An application form must be submitted within 31 days of child's birth	URC
Child Wellness Available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage	US$50 maximum per visit; US$150 per policy period(not subject to deductible or coinsurance)
Pre-existing Conditions After 24 months of continuous coverage	US$50,000 lifetime(maximum of US$5,000 per period of coverage)
Mental/Nervous Care Available after 12 months of continuous coverage• Inpatient and outpatient care by a licensed psychiatrist	US$10,000 per period of coverage, US$25,000 lifetime
Wellness Females age 35 and over, after 12 months of continuous coverage • Routine physicals • Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months) Males age 35 and over, after 12 months of continuous coverage • Routine physicals (exams must be separated by 12 months)	US$250 per policy period (not subject to deductible or coinsurance)
Complementary Medicine	(Each per policy period)
Acupuncture	US$150
Aroma Therapy	US$50
Herbal Therapy	US$50
Magnetic Therapy	US$75
Massage Therapy	US$150
Vitamin Therapy	US$100
Other Chiropractor when referred by a physician • Radiation treatment • Home nursing care • Hospice care • Physical therapy (maximum US$50 per visit) • Prosthetic devices	URC

The foregoing list is only a summary of available benefits and coverages, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions. Please refer to the certificate wording for a complete description, which is available upon request.

Policy Exclusions

After coverage has been in effect for 24 continuous months, Global Medical Gold Insurance provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Medical Gold Insurance does not "rider" or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: tonsillectomy, disc disease, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

OTHER EXCLUSIONS AND LIMITATIONS*

• Routine physical examinationsfirst 12 months
• Maternity and newborn-first 12 months
• Mental and nervous-first 12 months
• Dental treatment unless accident related
• Organized amateur or professional sports
• Treatment not ordered or received by a physician
• Treatment or supplies not medically necessary
• Investigational, experimental or research procedures
• Custodial care
• Weight modification
• Elective cosmetic or plastic surgery
• Treatment of impotency
• Contraceptive medication or treatment
• Drug and alcohol abuse treatment
• Organ transplants not specifically listed
• Devices to correct sight or hearing
• Routine foot care
• Treatment by a relative or family member
• Treatment as a result of war or riot
• Treatment resulting from illegal activities
• Speech therapy
• Persons HIV+ at effective date
• Services and treatment eligible for payment by any government or other insurance

* See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.