Long-Term Programs

Global Medical Insurance:

Overview:

GMI Platinum provides $8,000,000 USD of lifetime coverage with a full range of benefits suited for individuals and families.

Global Medical Insurance offers you the choice of three plan options: Silver, Gold and Platinum.

The plan offers two options: worldwide coverage or worldwide coverage excluding the U.S. and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Medical Insurance - Worldwide you receive IMG's commitment to deliver world class health benefits, medical assistance and total peace of mind.

As part of the eligibility requirements for Global Medical Insurance - Worldwide, 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 .

If you are interested in this plan, you may also want to review Global Insurance - Worldwide. It offers somewhat reduced benefit levels which also reduces the cost of the coverage.

You also have the option of adding Global Term Life InsuranceSM and Global Daily IndemnitySM to your Global Medical Insurance - Worldwide 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 maternity.

Lifetime Eligibility

Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance - Worldwide plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium.