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Global Insurance Benefits

Global Insurance Benefits cover individual expatriates and their families, as well as employees working abroad on assignment, international organizations, missionaries, and others living or traveling internationally who need annually renewable insurance. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

Plan Name	International Life Insurance	Global Medical Insurance Silver	Global Medical Insurance Gold	Global Medical Insurance Platinum
Company	Insuractive	International Medical Group	International Medical Group	International Medical Group
Purchase
Underwriter	Colonial Medical Insurance Company Limited of Bermuda, rated A- by A.M. Best.	Sirius International - Rated A (excellent) by A.M. Best	Sirius International - Rated A (excellent) by A.M. Best	Sirius International - Rated A (excellent) by A.M. Best
Available To	All Nationalities	All Nationalities. U.S. citizens must reside abroad for at least six months	All Nationalities. U.S. citizens must reside abroad for at least six months	All Nationalities. U.S. citizens must reside abroad for at least six months
Medical Expenses	Not Covered	$5 Million (lifetime) Hospitalization = $600 per day (maximum of 240 consecutive days per covered event) ICU = $1,500 per day (maximum of 180 consecutive days per covered event)	$5 Million lifetime per individual	$8 Million lifetime per individual
Pre-existing Conditions	Death benefit NOT payable if due to a pre-existing condition manifested within prior 5 years	$5,000 per period of coverage up to $50,000 lifetime - Available after 24 months of continuous coverage	$5,000 per period of coverage up to $50,000 lifetime - Available after 24 months of continuous coverage	Covered same as any illness
Emergency Evacuation	Not Covered	$50,000 per period of coverage - not subject to deductible or coinsurance	Limited to policy maximum - not subject to deductible or coinsurance	Limited to policy maximum - not subject to deductible or coinsurance. Political Evacuation is also covered but limited to $10,000 lifetime maximum
Repatriation of Remains	Not Covered	$25,000 - not subject to deductible or coinsurance	$25,000 - not subject to deductible or coinsurance	$50,000 lifetime maximum per insured - not subject to deductible or coinsurance
Emergency Reunion	Not Covered	Not Covered	$10,000 - lifetime maximum	$10,000 lifetime maximum
Accidental Death & Dismemberment	Death benefit payable if due to accident. No dismemberment benefits.	Global Term Life Insurance is available with no additional underwriting	Global Term Life Insurance is available with no additional underwriting	Global Term Life Insurance is available with no additional underwriting
Flight Accident	Death benefit payable if due to accident. No dismemberment benefits.	Not Covered	Not Covered	Not Covered
Sports & Hazardous Activities	Excluded, but a Rider is available for additional premium	Amateur, Professional, or Hazardous Sports excluded - Recreational Scuba and Skiing are covered - See Policy Details	Amateur, Professional, or Hazardous Sports excluded - Recreational Scuba and Skiing are covered - See Policy Details	Amateur, Professional, or Hazardous Sports excluded - Recreational Scuba and Skiing are covered - See Policy Details
Terrorism	Excluded, but an optional War & Terrorism Rider is available for additionmal premium	Not Covered	Not Covered	Not Covered
Travel Assistance	Not Covered	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance
Special Features	See Details	Extended Care - limited to first 30 days of confinement Radiation Treatment - URC Home Nursing Care - limited 30 days per covered event Hospice Care - limited 30 days per covered event Prosthetic Devices - all URC	$1 million (lifetime) for transplants / $50,000 (lifetime) for maternity after 12 months of continuous coverage has past	Vision coverage included - Exams - up to $100 per 24 months Materials - up to $150 per 24 months
Length Of Coverage	365 days	365 days (annually renewable)	365 days (annually renewable)	365 days (annually renewable)
Purchase

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