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Global Medical Platinum Insurance
Major medical coverage
- Sirius International Insurance Corporation
- A (excellent) by AM Best and A- by Standard & Poors
- International Medical Group
- Applicant can be of any nationality
- Travelers aged between 14 days and 74 years are eligible
- Travelers with US citizenship must be residing abroad or must leave US on the plan start date to live outside USA for at least 6 months in the next 12 months
- Non US Citizens can apply for Worldwide coverage
Unique Features
- $8 million coverage
- Family deductible is 2 times the individual deductible
- No Coinsurance for treatment outside US and Canada
- In US and Canada 50% deductible is waived along with no coinsurance if treated in a network hospital
- Offers private room rate for hospitalization
- $2 million coverage for transplants
- Mental/Nervous disorders coverage is covered in the plan up to $50,000 lifetime maximum
- Non-Emergency Dental is covered in the plan at no additional price
- Maternity is covered at no additional price
- Coverage for Dental and Vision expenses is covered at no additional price
- Covers Pre-existing conditions as any other illness
Advantages
- $50,000 coverage for repatriation of remains
- Terrorism is covered at additional price
- Optional coverage for adventure sports at an additional price
- Coverage for first 2 children up to 19 years when both the parents are covered
Disadvantages
- Mental/Nervous disorders is covered after 12 months of waiting period
- Pre-existing conditions coverage after a waiting period of 2 years
- More expensive
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