Foreign Business Association
Simple life and income support insurance
Annual health insurance

 Travel and health insurance for anyone, anywhere

 

 

  

       

      

      

             

  

 

Comparison of annual Global Medical and Global Basic Insurance

  Global Medical Insurance Global Basic Insurance
Coverage area Worldwide Worldwide
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, including prenatal and postnatal care, 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
[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.]		 Usual, reasonable, and customary charges
Necessary treatment to of sudden, unexpected pain to sound natural teeth US$100 per period of coverage No coverage available
Emergency dental due to an accident 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; included is 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
Maternity US$50,000 lifetime
[maximum of US$5,000 for normal delivery; US$7,500 for c-section – available after 12 months of coverage] 		Limited to US$4,000 per pregnancy
[not subject to coinsurance – available after 12 months of coverage]
Professional services related to inpatient maternity expenses Included in benefit above US$200 per day
[not subject to coinsurance]
Newborns Usual, reasonable, and customary charges – eligible newborn children may be added without evidence of insurability under certain circumstances US$15,000 lifetime maximum for the first 30 days after birth – newborns must be medically underwritten
Child wellness US$200 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]
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$50,000 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 30 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 Usual, reasonable, and customary charges
[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
Recreational SCUBA Coverage Usual, reasonable, and customary charges
[Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body]		 No coverage available

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