Global Medical Insurance Plan
International Expatriate Health Insurance
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Health Care Plan
A substantial amout of time and research went into developing a medical insurance plan that would fit the needs of expatriates worldwide. Global Expatriate Healthcare dedicated itself to this task and came up with what most would consider as the ideal healthcare plan for expatriates.

When you enroll as a member of Global’s Medical Insurance Plan, you will be issued a membership pack containing;

Membership Certificate
This is the evidence of your cover and shows who is covered under the Policy and which Core Program and Optional Extensions have been selected.

Policy Document
This contains full details of the benefits, terms, conditions and exclusions of your insurance policy You can download a copy of the policy wording by clicking on the Download Documents button.

Table of Benefits
This sets out the benefits and maximum amounts payable under each of the applicable Core Programs and Optional Extensions covered under your Plan

Membership Card
This card contains your personal membership and plan coverage details, and the relevant contact details that you will need in the event of an emergency or a claim. It can be carried with you at all times for quick reference, and can be presented to participating hospitals to identify you as a member if you require treatment.

Medical Insurance Providers (Hospitals)
With your membership pack comes a complete listing of all hospitals that have direct settlement arrangements through the MediLink Smart Card. The list of hospitals is extensive throughout Asia Pacific and further afield and includes the majority of first class hospitals in each country.

You are, however, not restricted to these hospitals, with prior approval you may use the hospital of your choice. If the hospital of your choice does not have direct settlement arrangements with MediLink, then, you may have to settle your bill in full and claim back from the plan.

Claim Form
For you to complete and submit if you have a claim under your Plan.

Glossary of Terms
Unlike most conventional policy documents, which are hard to read and understand, Global’s policy document is clear and consise. You will find easy to understand explantions of coverages and exclusions. Download a copy to fully understand what we are offerring.

You should familiarize yourself with the contents of your Membership Pack, and in particular with the Policy Document and Table of Benefits so that you understand what is under your Plan, and the applicable limits and exclusions. You should also check and understand which Core Program and Optional Extension benefits you are entitled to.

Table Of Benefits
Below you will find the Table of Benefits for our Global Healthcare medical insurance plan. Further down you will find three options over and above our standard plan that you can select to enhance our medical insurance plan to best suit your personal needs.


BENEFITS Global Health Coverages
Annual Limit $500,000
Overall policy limits $1,000,000 per lifetime
Coverage Worldwide excluding USA, Canada and the Caribbean
Emergency cover - USA, Canada and the Caribbean 30 days per annum
Policy Excess or Deductible Nil
Local ambulance services Full refund
Hospitalisation costs  
Single-bedded room, including meals Full refund
Hospital medical facilities, treatment and services Full refund
Physicians charges Full refund
Diagnostic procedures including (CT, MRI and PET scans) Full refund
Intensive care unit (when medically necessary) Full refund
Parent accomodation for child under 16 Full refund
Daycare surgery Full refund
Emergency dental treatment Full refund
Chinese traditional medicine Full refund
Out-patient follow-up treatment (3 months following hospital discharge) Full refund
Inpatient cash benefit $100 per night / 30 nights
Out-patient treatment  
Emergency outpatient treatment $500
Emergency dental treatment $500
Medical Transfer Benefits  
Emergency medical transfer / evacuation Full refund
Elective medical transfer Full refund
Benefits following death  
Repatriation of mortal remains Full refund
Cremation and return of funeral urn to home country $300
Local Burial $1000
Travel assistance services  
24 hour assistance centre Yes
Pre-travel medical advice Yes
Hotel reservation and guarantee Yes
Air Ticket Reservation Yes
Visa and Embassy Information Yes
Lost passport assistance Yes

Important Notes
  • All amounts shown are in US dollars and apply per insured person per year of insurance, unless otherwise stated
  • This table is a summary of the principal benefits available. Full details of the cover, terms, conditions and exclusions can be found in the policy wording, which can be downloaded from this site click here
  • The policy is underwritten by LAMP Insurance Company Limited, 260/262 Main Street, Gibraltar.
  • LAMP Insurance Company Limited is licensed by the Chief Executive of the Financial Services Commission under the Insurance Companies Ordinance and re-insures through Lloyds of London.
EXTENDED MEDICAL & HOSPITAL BENEFITS Optional extension
Routine management of chronic conditions $10,000
Organ transplantation Full refund
Maternity Care and Childbirth (including pre-natal and post-natal care) $5,000
Complications of maternity Full refund
Home delivery $1,500
Out-of-Area emergency treatment 45 days
MEDICAL TRANSFER BENEFITS  
Care of unaccompanied children Yes
Visit of relative or friend Yes
 
OUTPATIENT CARE Optional extension
Overall limit $6,000
Doctors fees & prescribed drugs $3,500
Laboratory, x-ray, scanning, imagery services and physiotherapy $2,000
Complementary medicine: chiropractice, osteopathy, homeopathy, and Chinese traditional medicine (including herbal treatments, acupuncture and bone setting) $1,000 ($50 per session)
Hire of equipment, medical aids & prostheses $1,000
Routine health check $300 (once every 3 years)
Optical care $100
Deductible Nil
 
DENTAL CARE Optional extension
Overall limit $1,000
Dental Treatment 80% refund / 20% coinsurance
Dental Surgery 80% refund / 20% coinsurance
Dental Prosthesis $250
Deductible Nil


Important Notes

To select either Out-patient or Dental Care as a option, Extended Medical and Hosptial benefit must also be selected