GLOBAL CREW MEDICAL INSURANCE
(Marine, Long-term, Annually-renewable International Coverage)
Q: How do I apply for the Global Crew Medical Insurance (GCMI) plan?
A: Click here to instantly apply and get a quote on-line through our secure application program or click to download the GCMI brochure and application . The online application is designed for one person. You must complete a new application for each person applying. You may also go to our GCMI webpage for detailed plan information.
Q: Why would I need this plan over another type of plan?
A: The GCMI plan is designed specially for individual professional marine crewmembers of all nationalities. You must currently or usually work aboard a vessel as a full-time seagoing crewmember, expect to spend a significant period of time sailing outside of United States waters, and not qualify for adequate coverage under a US domestic insurance plan. Contact us for further details.
Q: What are the eligiblity requirements for the GCMI plan?
Q: How old can you be to purchase the GCMI plan?
A: Less than 75 years of age. Contact us for further details.
Q: What benefits are covered with this plan?
Q: Is it true that Recreational SCUBA is covered with the GCMI plan?
Q: What address do I use for my permanent residence since I will be mostly at Sea?
A: This is what makes this product unique from any other. You will be asked on the application to state that your permanent residence is on board your Vessel, which needs to be outside the US waters most of the time. For example, you cannot be a US citizen and live on your boat which is mainly just anchored in Fort Lauderdale, Fl or any other US port on a continuous basis. Contact us for further details.
Q: After applying, how long will it take to get approved?
A: Generally, you are approved within 5 to 7 business days from the date the application is received. You will receive your policy in the mail within 2-3 weeks from the date of approval unless you agree to pay an additional charge for overnight delivery, which will get the policy information to you much sooner. Be aware that if you have any pre-existing medical conditions stated on the application, the Underwriting process may take longer and may require follow up information for processing. Contact us for any questions you may have.
Q: Are faxed applications for Global Crew Medical Insurance accepted?
A: Yes. Please fax entire application to IMG headquarters @ 1.317.655.4505.
Q: I would like to purchase the policy. Do you require payment before my application is approved?
A: Yes. Our carriers accept MasterCard, Visa, American Express for quarterly, semi-annual and annual payments and personal checks are accepted on an annual basis only. Make personal checks payable to IMG. Please do not send cash in the mail.
Q: What is the refund policy for this plan?
A: If once you are accepted in the plan and after 15 days of reviewing the fulfillment kit contents your are dissatisfied, you may request in writing a full refund and cancellation. After 15 days, please contact an IMG Marketing Agent at 1.866.368.3724
Q: Are the deductibles and co-insurance different depending on where you are residing in the world?
A: Yes. For eligible expenses incurred in the US and Canada: once the deductible is met, GMI pays 80% of the next US$5,000 in eligible expenses then 100% of eligible expenses up to the policy maximum of US$5,000,000. But, by utilizing our PPO network while in the US, you can reduce your deductible by 50% and any coinsurance applicable to that charge is waived when eligible treatment is received from a network provider.
For eligible expenses incurred outside of the US and Canada: once the deductible is met, the GMI plan will pay 100% of eligible expenses up to the policy maximum of US$5,000,000. NO Coinsurance is paid outside the US and Canada! Each person will only need to satisy their deductible once per policy period (12 months), with a maximum of three deductibles per family.
