Global Basic Insurance® covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each insured person will only need to satisfy their deductible once per period of coverage (12 months), with a maximum of three deductibles per family.
(if applicable): once the deductible is met, Global Basic Insurance® pays 80% of the next US$5000 in eligible expenses, then 100% of eligible expenses up to the policy maximum.
: once the deductible is met, Global Basic Insurance® will pay 100% of eligible expenses up to the policy maximum.
| Medical Insurance |
Benefit* |
| Coverage Area |
Two options: Worldwide or worldwide excluding U.S. and Canada
|
| Policy Maximum Per Individual |
US$5,000,000 lifetime maximum benefit |
| Hospital Room & Board |
US$600 per day
(maximum of 240 consecutive days per covered event) |
| Intensive Care Unit |
US$1,500 per day
(maximum of 180 consecutive days per covered event) |
| Inpatient or outpatient surgery |
URC up to lifetime maximum benefit |
| Anesthetist's charges associated with surgery |
20% of the surgery benefit payable |
| Laboratory tests, X-rays, & other treatment associated with an inpatient covered event |
URC up to lifetime maximum benefit |
| Emergency medical evacuation |
US$50,000 per period of coverage
(not subject to deductible or coinsurance) |
| Local ground ambulance |
US$1,500 per covered event
(not subject to deductible or coinsurance) |
| Emergency room treatment due to an accident |
URC up to lifetime maximum benefit |
| Emergency dental due to an accident |
US$1,000 per period of coverage |
Well child care
Only available after 12 months of continuous coverage |
3 visits per period of coverage
(maximum limit of $70 per visit) |
Outpatient visits or exams
25 visits per insured person per period of coverage reimbursed to the maximum limit as outlined below: |
|
 Physician |
US$70 per visit/exam |
| Specialist |
US$70 per visit/exam |
| Psychiatrist |
US$60 per visit/exam |
| Chiropractor |
US$50 per visit/exam |
| Surgical intervention consultation |
US$500 per visit/exam |
| Outpatient X-rays |
US$250 per exam maximum limit |
| Outpatient lab tests |
US$300 per exam maximum limit |
Pre-existing conditions
Only available after 24 months of continuous coverage |
US$50,000 lifetime maximum benefit
(maximum of US$5,000 per period of coverage) |
| Prescription medication related to a covered event |
URC up to lifetime maximum benefit |
| Extended care facility services |
Limited to the first 30 days of convalescent confinement |
| Home nursing care services |
Limited to 30 days per covered event |
| Inpatient hospice care |
Limited to the first 30 days of hospice confinement |
| Chemotherapy & radiation therapy |
URC up to lifetime maximum benefit |
| Physical therapy |
30 visits per period of coverage
(maximum limit of $40 per visit) |
| MRI, CAT scan, endoscopy, echocardiography, gastroscopy, colonoscopy & cystoscopy |
US$600 per exam maximum limit |
Transplants
Certain precertification provisions must be met |
US$250,000 all inclusive per transplant |
| Return of mortal remains |
US$25,000 lifetime maximum
(not subject to deductible or coinsurance) |
| Optional Maternity Rider |
Benefits include
- Pre- and post-natal care
- Maximum of US$5,000 for normal delivery for each pregnancy
- Maximum of US$7,500 for C-section delivery for each pregnancy
- Well baby care and treatment of newborn for first 31 days
- Child wellness benefits of up to US$200 maximum per period of coverage (not subject to deductible or coinsurance) for eligible newborn children for the first 12 months
Must be selected at time of initial purchase of plan. Benefits available after 10 months of continuous coverage. Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth. Benefits will be reduced by 50% for births that occur the 11th or 12th month of continuous coverage. See the application form for the cost of this optional rider.
|
US$50,000 lifetime maximum |
