911Abroad.com - The Global Series Medical Insurance

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Global Medical Insurance

Individuals or families traveling, working, or residing abroad for 12 months or more

Overview • Benefits • Exclusions • Free Quote / Apply Online

Global Medical 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 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.

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

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 Basic Insurance plan by their 65th birthday and maintaining continuous coverage to age 75 are eligible for the Global Senior Plan^SM.

Global Medical 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:

Silver & Gold: 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.

Platinum: once the deductible is met, GMI pays 90% 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	Silver Subject to deductible and coinsurance	Gold Subject to deductible and coinsurance	Platinum Subject to deductible and coinsurance
Coverage Area	Worldwide Or Worldwide Excluding US and Canada	Worldwide Or Worldwide Excluding US and Canada	Worldwide Or Worldwide Excluding US and Canada

Policy Maximum Per Individual	US$5,000,000 lifetime	US$5,000,000 lifetime	US$8,000,000 lifetime

Room and Board	$600 per day (maximum of 240 consecutive days per covered event)	Average semi-private room rate.	Private room rate

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	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Intensive Care Unit	$1,500 per day (maximum of 180 consecutive days per covered event)	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Surgery • Surgical care • Second surgical opinion • Anesthetics • Physician charges for surgery • Treatment, services and supplies routinely provided	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Transplants Limited to certain transplants and covered only within designated transplant facilities that are members of 911Abroad's independently-contracted PPO network	US$250,000 per transplant	US$1,000,000 lifetime	US$2,000,000 lifetime

Outpatient • Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided • Prescription medication	Visits/ Exams – 25 visits insured per period of coverage to the maximum limit as outlined: physician $70; specialist $70; psychiatrist $60; chiropractor $50; surgical intervention consultation $500; X-rays - $250 per exam maximum limit: Lab Tests - $300 per exam maximum limit.	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Emergency Room Accident	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Emergency Transport by Ground Ambulance	$1,500 per covered event – not subject to deductible or coinsurance	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Emergency Medical Evacuation	$50,000 per period of coverage – not subject to deductible or coinsurance	Limited to policy maximum – not subject to deductible or coinsurance	Limited to policy maximum – not subject to deductible or coinsurance

Return of Mortal Remains	$25,000 lifetime maximum per insured – not subject to deductible or coinsurance	$25,000 lifetime maximum per insured – not subject to deductible or coinsurance	$50,000 lifetime maximum per insured – not subject to deductible or coinsurance

Supplemental Accident	N/A	US$300 per occurrence - not subject to the deductible or coinsurance	US$500 per occurrence - not subject to the deductible or coinsurance

Child Wellness Available for eligible children under 18 years of age after 12 months of continuous coverage	Three visits per period of coverage – maximum $70 per visit	US$200 per policy period (not subject to deductible or coinsurance)	US$400 per policy period (not subject to deductible or coinsurance)

Pre-existing Conditions	$5,000 per period of coverage $50,000 lifetime maximum Available after 24 months of continuous coverage	$5,000 per period of coverage $50,000 lifetime maximum Available after 24 months of continuous coverage	SAAI – Same as any illness

Mental/Nervous Care	Outpatient Only – (see Outpatient page 6 of brochure) Available after 12 months of continuous coverage	$10,000 per period of coverage up to a $50,000 lifetime maximum Available after 12 months of continuous coverage	SAAI - $50,000 lifetime maximum Available after 12 months of continuous coverage

Adult Wellness	N/A	$250 per period of coverage – not subject to deductible or coinsurance Available for those 30 years of age and over after 12 months of continuous coverage	$500 per period of coverage – not subject to deductible or coinsurance Available for those 18 years of age and over after 12 months of continuous coverage

Complementary Medicine		Each per policy period	Each per policy period

Acupuncture	N/A	US$150	US$150

Aroma Therapy	N/A	US$50	US$50

Herbal Therapy	N/A	US$50	US$50

Magnetic Therapy	N/A	US$75	US$75

Massage Therapy	N/A	US$150	US$150

Vitamin Therapy	N/A	US$100	US$100

Other • Chiropractor when referred by a physician • Radiation treatment • Home nursing care • Hospice care • Physical therapy * • Prosthetic devices	* (Physical therapy - maximum US$50 per visit)	Usual, Reasonable and Customary charges	Usual, Reasonable and Customary charges

Maternity Rider	Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefits for first 12 months – not subject to deductible or coinsurance. Available after 10 months of coverage- benefits reduced by 50% for births that occur in 11^th or ^12th month of continuous coverage	Optional Rider - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section, $200 child wellness benefits for first 12 months – not subject to deductible or coinsurance. Available after 10 months of coverage- benefits reduced by 50% for births that occur in 11^th or ^12th month of continuous coverage	SAAI – Same as any illness $1,000 additional deductible, $50,000 lifetime maximum $200 child wellness benefit for first 12 months Available after 10 months of coverage