| Global Medical Insurance | Global Basic Insurance | |
| Coverage area | Two options: worldwide or worldwide excluding the U.S. and Canada | Two options: worldwide or worldwide excluding the U.S. and Canada |
| Policy maximum per individual | US$5,000,000 | US$5,000,000 |
| Hospital room & board | Usual, reasonable, and customary charges | US$600 per day (maximum of 240 consecutive days per covered event) |
| Intensive care unit | Usual, reasonable, and customary charges | US$1,500 per day (maximum of 180 consecutive days per covered event) |
| Inpatient or outpatient surgery | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Anesthetist’s charges associated with surgery | Usual, reasonable, and customary charges | 20% of the surgery benefit payable |
| Lab tests, X-rays, other tests associated with an inpatient covered event | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Transplants | US$1,000,000 lifetime | US$250,000 all inclusive per transplant |
| Outpatient visits or exams | Usual, reasonable, and customary charges |
25 visits per insured person per
coverage period reimbursed to the maximum limit as outlined below:
Physician – US$70/visit Specialist – US$70/visit Psychiatrist-US$60/visit Chiropractor-US$50/visit Surgical intervention consultation-US$500/visit |
| Outpatient X-rays | Usual, reasonable, and customary charges | US$250 per exam maximum limit |
| Outpatient lab tests | Usual, reasonable, and customary charges | US$300 per exam maximum limit |
| Prescription medication related to a covered event | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Emergency room | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Emergency dental | Usual, reasonable, and customary charges | US$1,000 per coverage period |
| Local ground ambulance | Usual, reasonable, and customary charges | US$1,500 per covered event (not subject to deductible or coinsurance) |
| Emergency medical evacuation | Up to policy maximum; includes Emergency Reunion benefit of US$10,000 lifetime | US$50,000 per coverage period (not subject to deductible or coinsurance) |
| Repatriation | US$25,000 | US$25,000 (not subject to deductible & coinsurance) |
| Supplemental accident | US$300 per occurrence | No coverage |
| Child wellness | US$50 maximum per visit; US$150 maximum per period of coverage (not subject to deductible or coinsurance – available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage) | 3 visits per coverage period (maximum limit of US$70 per visit) Only available after 12 months of continuous coverage |
| Pre-existing conditions | US$50,000 lifetime (maximum of US$5,000 per period of coverage – available after 24 months of continuous coverage) | US$50,000 lifetime (maximum of US$5,000 per period of coverage – available after 24 months of continuous coverage) |
| Mental/nervous care | US$10,000 per period of coverage, US$25,000 lifetime (available after 12 months of continuous coverage – inpatient and outpatient care by a licensed psychiatrist) | Outpatient services covered only as indicated in the “Outpatient visits or exams” section |
| Wellness | US$250 per period of coverage (not subject to deductible or coinsurance – includes routine physicals, mammograms, and ob/gyn visits for those age 35 and over after 12 continuous months of coverage – visits must be separated by at least 12 months) | No coverage available |
| Complementary medicine |
Each per period of coverage
Acupuncture – US$150 Aroma therapy – US$50 Herbal therapy – US$50 Magnetic therapy-US$75 Massage therapy-US$150 Vitamin therapy-US$100 |
No coverage available |
| Extended care facility services | Usual, reasonable, and customary charges | Limited to the first 30 days of convalescent confinement |
| Home nursing care services | Usual, reasonable, and customary charges | Limited to 30 days per covered event |
| Inpatient hospice care | Usual, reasonable, and customary charges | Limited to 30 days per covered event |
| Chemotherapy & radiation therapy | Usual, reasonable, and customary charges | Usual, reasonable, and customary charges |
| Physical therapy | Maximum US$50 per visit | Maximum US$40 per visit (30 visits per coverage period) |
| MRI, CAT scan, endoscopy, echocardiography, gastroscopy, colonoscopy, & cystoscopy | Usual, reasonable, and customary charges | US$600 per exam maximum limit |
| Prosthetic devices | Usual, reasonable, and customary charges | No coverage available |
