|
Global Medical Insurance |
Global Basic Insurance |
|
Coverage
area |
Worldwide |
Worldwide |
| Policy
maximum per individual |
US$5,000,000 |
US$5,000,000 |
| Hospital
room & board |
Usual, reasonable, and customary charges |
US$600 per day (maximum of 240 consecutive days per
covered event) |
| Intensive
care unit |
Usual, reasonable, and customary charges |
US$1,500 per day (maximum of 180 consecutive days per
covered event) |
| Inpatient
or outpatient surgery |
Usual, reasonable, and customary charges |
Usual, reasonable, and customary charges |
| Anesthetist’s
charges associated with surgery |
Usual, reasonable, and customary charges |
20% of the surgery benefit payable |
| Lab
tests, X-rays, other tests associated with an inpatient covered event |
Usual, reasonable, and customary charges |
Usual, reasonable, and customary charges |
| Transplants |
US$1,000,000 lifetime |
US$250,000 all inclusive per transplant |
| Outpatient
visits or exams |
Usual, reasonable, and customary charges |
25 visits, including prenatal and postnatal care, per
insured person per coverage period reimbursed to the maximum limit as outlined below:
Physician – US$70/visit
Specialist – US$70/visit
Psychiatrist-US$60/visit
Chiropractor-US$50/visit
Surgical intervention consultation-US$500/visit |
| Outpatient
X-rays |
Usual, reasonable, and customary charges |
US$250 per exam maximum limit |
| Outpatient
lab tests |
Usual, reasonable, and customary charges |
US$300 per exam maximum limit |
Prescription
medication related to a covered event |
Usual, reasonable, and customary charges |
Usual, reasonable, and customary charges |
| Emergency
room |
Usual, reasonable, and customary charges |
Usual, reasonable, and customary charges |
| Emergency
dental |
Usual, reasonable, and customary charges |
US$1,000 per coverage period |
| Local
ground ambulance |
Usual, reasonable, and customary charges |
US$1,500 per covered event (not subject to deductible
or coinsurance) |
| Emergency
medical evacuation |
Up to policy maximum; includes Emergency Reunion
benefit of US$10,000 lifetime |
US$50,000 per coverage period (not subject to
deductible or coinsurance) |
| Repatriation |
US$25,000 |
US$25,000 (not subject to deductible &
coinsurance) |
| Supplemental
accident |
US$300 per occurrence |
No coverage |
|
Maternity |
US$50,000 lifetime (maximum of US$5,000 for normal
delivery; US$7,500 for c-section – available after 12 months of coverage |
Limited to US$4,000 per pregnancy (not subject to
coinsurance – available after 12 months of coverage) |
|
Professional services related to inpatient maternity expenses |
Included in benefit above |
US$200 per day (not subject to coinsurance) |
Newborns |
Usual, reasonable, and customary charges –
eligible newborn children may be added without evidence of insurability under certain
circumstances |
US$15,000 lifetime maximum for the first 30 days after
birth – newborns must be medically underwritten |
Child wellness |
US$50 maximum per visit; US$150 maximum per period of
coverage (not subject to deductible or coinsurance – available for eligible children
from 14 days to 18 years of age after 12 months of continuous coverage) |
3 visits per coverage period (maximum limit of US$70
per visit) |
Pre-existing conditions |
US$50,000 lifetime (maximum of US$5,000 per period of
coverage – available after 24 months of continuous coverage) |
US$50,000 lifetime (maximum of US$5,000 per period of
coverage – available after 24 months of continuous coverage) |
Mental/nervous care |
US$10,000 per period of coverage, US$25,000 lifetime
(available after 12 months of continuous coverage – inpatient and outpatient care by
a licensed psychiatrist) |
Outpatient services covered only as indicated in the
“Outpatient visits or exams” section |
Wellness |
US$250 per period of coverage (not subject to
deductible or coinsurance – includes routine physicals, mammograms, and ob/gyn visits
for those age 35 and over after 12 continuous months of coverage – visits must be
separated by at least 12 months) |
No coverage available |
|
Complementary medicine |
Each per period of coverage
Acupuncture – US$150
Aroma therapy – US$50
Herbal therapy – US$50
Magnetic therapy-US$75
Massage therapy-US$150
Vitamin therapy-US$100 |
No coverage available |
|
Extended care facility services |
Usual, reasonable, and customary charges |
Limited to the first 30 days of convalescent
confinement |
|
Home nursing care services |
Usual, reasonable, and customary charges |
Limited to 30 days per covered event |
|
Inpatient hospice care |
Usual, reasonable, and customary charges |
Limited to 30 days per covered event |
|
Chemotherapy & radiation therapy |
Usual, reasonable, and customary charges |
Usual, reasonable, and customary charges |
|
Physical therapy |
Maximum US$50 per visit |
Maximum US$40 per visit (30 visits per coverage
period) |
|
MRI, CAT scan, endoscopy, echocardiography,
gastroscopy, colonoscopy, & cystoscopy |
Usual, reasonable, and customary charges |
US$600 per exam maximum limit |
|
Prosthetic devices |
Usual, reasonable, and customary charges |
No coverage available |
We
at Sunburst International Risk Management
are dedicated to
being your trusted source for global risk
assessment and mitigation consulting
and training services.
Whether
you travel for business, leisure, adventure, or study, the best way to
ensure an enjoyable, productive, and safe trip is
to be aware of what types of problems you may encounter, take steps to
prevent problems before they happen, and be prepared to deal with problems
if they do occur.
We focus on the things that
we believe matter most to our clients - helping them
learn
how to reduce the uncertainties of international travel
and providing them with global protection and peace of
mind.
We are committed to delivering individualized services, risk
assessment expertise, and
carefully considered advice to our clients.
We are proud to
provide superior global protection and peace of mind to
international travelers in over 100 countries.
Experience
lobal Basic InsuranceSM
Rates and Application are at the bottom of this
page.
