Question: May I start my IMG GMI policy before I leave the U.S? And if so what happens if my date to leave the U.S. is moved forward two weeks once my policy has started?
Answer 1: Yes, you may have your policy start 30 days before you leave the U.S. For example, if you are leaving the U.S. on July 1st, you may have your policy start on June 1st, and can apply for coverage starting on May 1st.
Answer 2: Going with the above scenario on Answer 1 your date to leave the U.S. has been moved to July 15th. No worries! This can be moved. However, please do keep in mind that the first 30 days of your policy cannot be more than 30 days. Thus, if you have your policy moved to July 15th this means your policy start date is moved to June 16th, 30 days from your new date of leaving the U.S. This is due to the new health care laws that were signed into law in 2010. The U.S. government wants to make sure your international insurance policy, your GMI overseas health insurance policy, is primary for those who are going to be and who are residing overseas.
One of the wonderful benefits of the GMI overseas health insurance policy is that you do have 6 months of U.S. coverage during a 12 month policy period. However, since your GMI policy is a brand new international medical policy for you then this 30 day “window” has to be followed exactly.
Question: I have sprained my ankle playing sports and it hasn’t completely healed (although it is manageable). Would physical therapy be covered by my insurance?
Answer 1: If someone is just playing a backyard game for leisure and becomes injured they would have coverage under a Global Medical Insurance policy (as long as they were covered under the policy during the accident). The usual plan provisions will also apply.
Answer 2: Professional sports are not covered, nor are any other organized sports such as leagues or club sports.
Answer 3: If you are unsure of which sport is covered please email us the sport as well as any additional information. We will work to get those answers, and provide our best solutions for you.
Question: I ride a scooter here in Ho Chi Minh- it’s 110cc. I don’t have a license, but with my old insurance policy (with another company) I was insured license free up to 150cc. Is this the same with the current insurance policy? If not- if I got a license, would I be covered? Does it matter about the law in Vietnam?
Answer: If someone is riding a scooter as their primary means of transportation and there was an injury that would also be a covered occurrence under the Global plans. With injuries of this nature we would also need to make sure there was no other insurance of course.