Here are some answers to frequently asked questions on applying for the GMMI overseas medical insurance and pre-existing medical conditions regarding this policy
Q. May I start my IMG GMMI 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?
A1. Yes, you may have your overseas medical insurance 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. Your effective date can be 30 days prior to departure, and you can apply within 30 days of your effective date which totals applying up to 60 days before departure.
A2. 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, 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 medical insurance policy, your GMMI policy, is primary for those who are going to be and who are residing overseas.
One of the wonderful benefits of the GMMI policy is that you do have six months of U.S. coverage during a 12 month policy period. However, since your GMMI policy is a brand new international medical insurance policy for you, then this 30 day “window” has to be followed exactly.
Pre-existing medical information on the GMMI international medical insurance policy.
Q. Are my Pre-existing conditions covered?
A1. After 24 months of continuous coverage on the IMG plans pre-existing conditions are covered at $10,000 per year and a lifetime maximum of $50,000.
A2. If the pre-existing condition gets excluded from coverage, otherwise known as getting a rider, then it will not be covered even after 24 months.
Q. What is a pre-existing medical condition?
A1. Any medical condition for which it is reasonably certain that existed prior to start of the insurance.
A2. Conditions which have an automatic six month waiting period before coverage may be available:
- Breast conditions
- Prostrate conditions
- Reproductive disorders
- Back conditions
- Gall bladder
- Kidney stones
Q. What benefits that do not start at the start of the policy begin after 12 months continuous coverage?
A1: Wellness for children
A2: Wellness for adults over 30
A3: Mental Health
Q. Is organized or extreme sports covered?
A. Medical treatment for injuries while participating in organized or extreme sports while on this international health insurance plan is excluded / not covered.