|
IMG Global Basic
Exclusions
After
coverage has been in effect for 24 continuous months,
Global Basic Insurance provides a US$50,000 lifetime
benefit for eligible pre-existing conditions that
existed at or prior to the effective date, subject to
a maximum of US$5,000 per period of coverage. This
benefit is payable whether or not you have received
consultation or treatment for the condition(s) during
the 24-month period. This is important since few
pre-existing conditions remain free from ongoing
consultation or treatment, and often do not qualify
for coverage in standard plans. Global Basic Insurance
does not "rider" or charge additional premium for
pre-existing conditions. If you properly disclose a
pre-existing condition at the time of application, and
are accepted into the plan, you will be covered for
eligible medical expenses after 24 months of
continuous coverage, subject to the foregoing limits
and the other terms of the plan.*
The following illnesses which exist, manifest
themselves or are treated or have treatment
recommended prior to or during the first 180 days of
coverage from the initial effective date are
considered pre-existing conditions under the plan, and
are subject to the waiting period and other
limitations of coverage described above: asthma,
allergies, tonsillectomy, back conditions,
adenoidectomy, hemorrhoids or hemorrhoidectomy,
disorders of the reproductive system, hysterectomy,
hernia, gall stones or kidney stones, any condition of
the breast, and any condition of the prostate.
OTHER EXCLUSIONS & LIMITATIONS*
Maternity and newborn care (unless the maternity
rider is purchased - see details under the Benefits
section)
Inpatient mental and nervous
Routine physical exams
Dental treatment unless accident related
Organized amateur or professional sports
Treatment not ordered or received by a physician
Treatment or supplies not medically necessary
Investigational, experimental or research
procedures
Custodial care
Weight modification
Elective cosmetic or plastic surgery
Treatment of impotency
Contraceptive medication or treatment
Drug and alcohol abuse treatment
Organ transplants not specifically listed
Devices to correct sight or hearing
Routine foot care
Treatment by a relative or family member
Treatment as a result of war or riot
Treatment resulting from illegal activities
Speech therapy
Persons HIV+ at effective date
Services and treatment eligible for payment by any
government or other insurance
|
|
|
The Global Basic and Global Medical
Insurance plans should NOT be purchased by expatriates who currently
are or are planning to become permanently residents in the United
States! You must plan to or currently reside outside of the USA for
at least 6 months of the year. The IMG plans are not COBRA or HIPPA
compliant.
* See certificate wording for a definition of pre-existing
conditions and a complete list of exclusions and limitations, and
for all other specific terms and conditions of the plan. Certificate
wording is available upon request and may change in the future.
|
|
|
Get Instant Quote and Purchase Online Now! |
Please read plan terms and conditions
carefully before applying.
Download GMI
Brochure
and Application in Adobe Reader format.
Contact us for more information!
If you like this site, you may
like TFG
Global Travel Insurance.com - Buy travel insurance online.
|
