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Global Medical Silver Insurance
(Expatriate medical insurance)
- 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
- Fixed limits in coverage
- Lifetime coverage
- Family deductible is 3 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
- Maternity is covered up to $50,000 at an additional price
- Vision Coverage is offered at an additional price
- $50,000 coverage for pre-existing conditions
- Non-Emergency Dental is covered at an additional price
Advantages
- Cheaper plan
- Coverage for first 2 children up to 19 years when both the parents are covered
Disadvantages
- 12 months waiting period for mental and nervous coverage
- Coinsurance of 80% for first $5000 after deductible is payable by plan for treated in a non-network hospital. Then plan pays 100% up to plan maximum
- Emergency dental due to sudden pain is not covered
- Emergency reunion is not covered
- US Citizens must reside outside US for at least 6 months
- 24 months waiting period for pre-existing conditions coverage
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