International Student "Global" Health Insurance Plan Features

Additional Medical Insurance Benefits:

• Major Medical Insurance
• World-Wide Coverage
• Offered to Individuals or Families
• Offered to All Nationalities
• Up to $5 Million lifetime maximum benefit
• Hospitalization
  • Semi-private room and board - URC
  • Nursing services - URC
  • Prescription medication - URC
  • Physician charges - URC
  • Diagnostic and laboratory testing - URC
  • X-rays - URC
  • Chemotherapy and radiation - URC
  • Durable medical equipment - URC
  • Treatment, services and supplies routinely provided - URC
• Intensive Care Unit (ICU) - URC
• Surgery
  • Surgical care - URC
  • Second surgical opinion - URC
  • Anesthetics - URC
  • Physician charges for surgery - URC
  • Treatment, services and supplies routinely provided - URC
• Transplants (Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently-contracted PPO network) - US$1,000,000 lifetime
• Outpatient - (Emergency treatment of illness or injury - Surgery - Rehabilitative treatment - Treatment, services or supplies routinely provided - Prescription medication) - URC
• Emergency - Surgery or dental treatment following an accident- Emergency room following an accident - Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) US$250 deductible if treatment does not require admittance to the hospital. - URC
• Emergency Transportation by Ground Ambulance - URC
• Emergency Medical Evacuation - Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime - Up to policy maximum

• Repatriation - US$25,000
• Supplemental Accident - The first $300 will be covered for each accidental injury - US$300 per occurrence (not subject to the deductible or coinsurance)
• Maternity - Available after 12 months of continuous coverage - Pre and Post-natal care - Normal delivery or C-section - Well baby care and treatment of newborn for first 31 days - US$50,000 lifetime - maximum of US$5,000 for normal delivery for each pregnancy; maximum of US$7,500 for C-Section delivery for each pregnancy
• Newborns - Eligible newborn children may be added without evidence of insurability under certain circumstances - An application form must be submitted within 31 days of child's birth - URC
• Child Wellness - Available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage - US$200 maximum per period of coverage (not subject to deductible or coinsurance)
• Pre-existing Conditions - After 24 months of continuous coverage - US$50,000 lifetime (maximum of US$5,000 per period of coverage)
• Mental/Nervous Care - Available after 12 months of continuous coverage - Inpatient and outpatient care by a licensed psychiatrist - US$10,000 per period of coverage, US$50,000 lifetime
• Wellness - Females age 30 and over, after 12 months of continuous coverage - Routine physicals - Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months) Males age 30 and over, after 12 months of continuous coverage - Routine physicals (exams must be separated by 12 months) - US$250 per period of coverage (not subject to deductible or coinsurance)
• Dental Emergency - Necessary treatment of sudden, unexpected pain to sound natural teeth - US$100 per period of coverage
• Complementary Medicine - (Each per period of coverage)
  • Acupuncture - US$150
  • Aroma Therapy - US$50
  • Herbal Therapy - US$50
  • Magnetic Therapy - US$75
  • Herbal Therapy - US$50
  • Massage Therapy - US$150
  • Vitamin Therapy - US$100
• Recreational SCUBA Coverage Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body - URC
• Other - Chiropractor when referred by a physician - Radiation treatment - Home nursing care - Hospice care - Physical therapy (maximum US$50 per visit) - Prosthetic devices - URC