COMPARISON OF GLOBAL MATERNITY INSURANCE AND PREGNANCY TRAVEL INSURANCE WITH INTERNATIONAL MEDICAL COVERAGE
1. Medical evacuation.
2. Maternity coverage option.
3. Waiting period of 12 months prior to
maternity benefits starting.
4. PPO plans with or without co-pays.
5. USA coverage/ furlough.
6. Term life insurance on most plans.
7. Annual preventative check-ups on most plans.
8. Premiums paid annually, semi-
annually, quarterly, or monthly.
9. Coverage may start 30 days before leaving
USA.
Video: International Maternity Coverage
A good idea in an unpredictable world.”
“PREMIUM” GLOBAL HEALTH INSURANCE PLANS
HTH GLOBAL CITIZEN with INTERNATIONAL MATERNITY INSURANCE
- Global health insurance plan with permanent coverage in the USA.
- Co-pays, Rx co-pays, cashless claims worldwide.
- PPO Network in USA. May use any doctor or facility overseas.
- Global community of contracted hospitals in 160 countries with direct payment to providers.
- No limit on amount of time spent in USA.
- Underwriters rated A- (Excellent) by A.M. Best.
- Six- month wait on pre-existing conditions, then everything covered.
- International pregnancy insurance benefits available after 12 months of coverage.
- Newborns automatically accepted when maternity rider is on the policy.
International Maternity Insurance Benefits: After 12 months of continuous coverage, Global Citizen members may renew coverage or apply for a new plan covering maternity costs in the same way as all other medical conditions. To be eligible for the maternity benefit, a member must not be pregnant at the time of upgrade. Approximate cost of international pregnancy insurance coverage, depending on age, is from $70 to $100 per month.
IMG GMMI PLATINUM with PREGNANCY TRAVEL INSURANCE
- A major medical global insurance plan with $8,000,000 lifetime coverage
- Includes dental and vision benefits.
- Two-tier U.S. Rx drug card, $20 for generic and $40 for brand.
- Includes complementary medicine such as acupuncture, aroma therapy, herbal therapy, massage therapy, vitamin therapy, etc.
- International pregnancy insurance benefits automatically included with all benefits at start of policy.
Worldwide Maternity Insurance Benefits -- U.S. $50,000 lifetime maternity maximum. Benefits include: • Pre- and post-natal care • Maximum of U.S. $5,000 for normal delivery for each pregnancy • Maximum of U.S. $7,500 for C-section delivery for each pregnancy • Well baby care and treatment of newborn for first 31 days • Child wellness benefits of up to US $200 maximum (not subject to deductible or coinsurance) for eligible newborn for the first 12 months.
BUPA DIAMOND CARE
- Career international health insurance plan with permanent coverage in USA.
- Maternity: 10 month waiting period, no maternity deductible on most deductible plans, $8,500 per pregnancy on most plans (includes normal maternity, cesarean delivery, and all pre- and post-natal treatment)
- Well baby care 5 visits within six months of delivery
- Many other great benefits
BUPA COMPLETE CARE
- Career international health insurance plan with permanent coverage in USA.
- Maternity: 10 month waiting period, no maternity deductible, $6,000 per pregnancy on most plans. (Includes normal maternity, cesarean delivery, and all pre- and post-natal treatment)
- And other great benefits
“STANDARD” GLOBAL HEALTH INSURANCE PLANS
HTH GLOBAL NAVIGATOR with INTERNATIONAL PREGNANCY INSURANCE
- Career international health insurance plan with permanent coverage in USA.
- Overseas health insurance for missionaries, NGO's, and volunteers.
- Similar to the HTH Global Citizen plan, but with fewer benefits and thus streamlined for the more budget-conscious client.
- Primary office co-pays, preventative care, mental/nervous disorders, repatriation of remains, medical evacuation, etc.
Global Maternity Insurance Benefits -- After 12 months of continuous coverage, Global Navigator members may renew their coverage or apply for a new plan that covers maternity costs in the same way as all other medical conditions. To be eligible for the maternity benefit, a member must not be pregnant at the time of upgrade.
IMG GMMI Gold (Also for non-Americans residing in the USA)
- Worldwide health insurance coverage.
- Newborns are automatically accepted for coverage at birth without underwriting if other requirements are met.
- Includes complementary medicine such as acupuncture, aroma therapy, herbal therapy, massage therapy, vitamin therapy, etc.
- PPO network in the U.S. or use any medical facility in the U.S.
- Child wellness benefits. Adult wellness benefits start at age 30.
- Mental/nervous covered, and many more benefits.
International Maternity Insurance Benefits -- Optional Maternity Coverage with U.S. $50,000 lifetime maximum. Benefits include: • Pre- and post-natal care • Maximum of U.S. $5,000 for normal delivery for each pregnancy • Maximum of U.S. $7,500 for C-section delivery for each pregnancy • Well baby care and treatment of newborn for first 31 days • Child wellness benefits of up to U.S. $200 maximum (not subject to deductible or coinsurance) for eligible newborn for the first 12 months.
Benefits available after 10 months of continuous coverage • Eligible newborn may be added without evidence of insurability as long as an application form is submitted within 31 days of birth • Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage • See the application form for the cost of this optional coverage: 2009 rate to add maternity coverage is $2,500 per policy period.
HCC CITIZENSECURE ECONOMY GLOBAL INSURANCE
- Global insurance coverage.
- PPO network in the USA.
- Six months of coverage in the U.S. during a 12 month policy period. If in the U.S. at the time of renewal, you will need to leave the U.S. in 30 days.
- If you are quite healthy this is the best plan for you. They may put semi-permanent or permanent riders (waivers) on certain pre-existing conditions. It is better to have a semi-permanent rider (2, 3, 5 years) on a pre-existing condition then to have a plan that forever excludes or caps coverage for pre-existing conditions.
Worldwide Maternity Insurance Benefits -- For a normal or complicated delivery, after the deductible, underwriters will pay 50% of the next $100,000 of Eligible Medical Expenses, then 100% to a Lifetime Maximum of $250,000. Covered maternity expenses include pre-natal, delivery and post-natal care (after 12 months of continuous coverage). Maximum lifetime benefit for maternity is $250,000. Newborn care is limited to 60 days, and is included as part of maternity benefits.
SEVEN CORNERS RESIDE PRIME WORLDWIDE EXPATRIATE HEALTH INSURANCE
- Worldwide expatriate insurance coverage.
- PPO network in the USA.
- May add AD&D, Dental rider, Sports rider, and Hospital Indemnity rider.
- Newborn accepted with application, but medical conditions on new born may be ridered.
- Six months of USA coverage allowed during 12-month policy period.
- Some benefits decrease on the 37th month onward.
Global Maternity Insurance Benefits -- Usual, Reasonable, and Customary (URC) charges up to limits per pregnancy are covered (see list below). The company must be pre-notified within the first 90 days of pregnancy. Waiting period of 12 months before maternity benefit begins.
- After 12 months of continuous policy term: $1,000
- After 24 months of continuous policy term: $2,000
- After 36 months of continuous policy term: $3,000
- After 48 months of continuous policy term: $4,000
- After 60 months of continuous policy term: $5,000
“ECONOMY” GLOBAL HEALTH INSURANCE PLANS
IMG GMMI SILVER (Also for non-Americans residing in the USA)
- Global insurance coverage.
- PPO network in the USA.
- Cost-effective plan because of caps on some benefits. For example, only $600 a day is provided for room and board in a hospital. Outside the USA this is generally adequate.
Optional Maternity Rider -- U.S. $50,000 lifetime maximum. Benefits include: • Pre- and post-natal care • Maximum of US $5,000 for normal delivery for each pregnancy • Maximum of U.S. $7,500 for C-section delivery for each pregnancy • Well baby care and treatment of newborn for first 31 days • Child wellness benefits of up to U.S. $200 maximum per period of coverage (not subject to deductible or coinsurance) for eligible newborns for the first 12 months of coverage.
Benefits available after 10 months of continuous coverage • Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth • Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage.
KEY "INTERNATIONAL MATERNITY INSURANCE” DECISIONS
- How much international maternity insurance coverage is provided? What is the dollar amount?
- When does international pregnancy insurance coverage begin? Plans have 12-month waiting period.
- For newborns, enrollment applications for insurance coverage must be sent to the insurance company no later than 30 days after the birth date of the baby. (If baby is born Jan. 1, insurance company must receive insurance application by Jan. 31.) Please contact Good Neighbor Insurance prior to the birth of your child for the application.
- Does my newborn get automatic insurance coverage if application is submitted on time? Or is there a possibility of my newborn being declined for coverage, or receiving a “rider/waiver” for any medical conditions evident at birth? (Rider: An attachment to an insurance policy that alters the policy’s coverage or terms, i.e., a medical issue that will not be covered.)
- IMG GMMI GOLD and the IMG GMMI PLATINUM are plans that allow newborns to be automatically accepted for coverage with submission of enrollment form within 30 days from the date of birth.
- HTH Global Citizen and the HTH Global Navigator are plans that allow newborns to be automatically accepted for coverage with submission of enrollment form within 30 days from the date of birth.
- BUPA DIAMOND CARE and the BUPA COMPLETE CARE are plans that allow newborns to be automatically accepted for coverage with submission of enrollment form within 30 days from the date of birth.
- SC Reside Prime Worldwide plan automatically accepts newborns for coverage, but they may place riders on certain medical conditions. However, they will still cover your newborn for all other possible future medical issues.
- IMG GMMI SILVER and the HCC CitizenSecure plans do not allow newborns to be automatically covered once born. Newborns must go through the underwriting process in order to be accepted for insurance coverage.
"Jeff, I just wanted to say a quick "Thank You" for the newsletter, or "Quarterly E-Bulletin." I don’t know if this is all your work or a team, or you buy content, or just who puts it together; but I’ve gotta say it’s one of the few pieces of its kind that I actually *read* top-to-bottom. [The "Quarterly Bulletin" is written by Jeff, assisted by the GNI staff.]"
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