Global Crew Medical Insurance^SM (GCMI) covers the Usual Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each person will only need to satisfy their deductible once per policy period (12 months). For eligible expenses incurred in the U.S. and Canada, outside the independent PPO network: once the deductible is met, GCMI pays 80% of the next US$5,000 in eligible expenses, then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred in the U.S. and Canada within the independent PPO network: the deductible is reduced by 50% and coinsurance is waived. For eligible expenses incurred outside the U.S. and Canada: once the deductible is met, GCMI will pay 100% of eligible expenses up to the policy maximum.

	MEDICAL BENEFITS	LIMITS	- Subject to deductible and coinsurance

	Coverage area	Worldwide
	Policy Maximum per Individual	US$5,000,000 lifetime
	Hospitalization Semi-private room and board Nursing services Prescription medication Physician charges Diagnostic and laboratory testing X-rays Chemotherapy and radiation Durable medical equipment Treatment, services and supplies routinely provided	URC
	Intensive Care Unit	URC
	Surgery Surgical care Second surgical opinion Anesthetics Physician charges for surgery Treatment, services and supplies routinely provided	URC
	Transplants Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently-contracted PPO network. Benefit amount is now U.S.	US$1,000,000
	Outpatient Emergency treatment of illness or injury Surgery Rehabilitation treatment Prescription medication Treatment, services or supplies routinely provided	URC
	Emergency Surgery or dental treatment following an accident Emergency room following an accident. Charges incurred for the use of the emergency room for treatment of an illness are subject to an additional (extra) U.S.$250.00 deductible if treatment does not require admittance to the hospital.	URC
	Emergency Transportation by Ground Ambulance	URC
	Emergency Medical Evacuation Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime	The policy maximum
	Repatriation of Mortal Remains to Home Country	US$25,000
	Supplement Accident The first US$300 will be covered for each accidental injury	US$300 per occurrence (not subject to deductible or coinsurance)
	Pre-existing Conditions Available after 24 months of continuous coverage	US$50,000 lifetime (maximum of US$5,000 per policy per period)
	Mental/Nervous Care Available after 12 months of continuous coverage Inpatient and outpatient care by a licensed psychiatrist	US$10,000 per period, US$50,000 lifetime
	Wellness Females age 30 and over after 12 months on the plan Routine physicals Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months) Males aged 30 and over, after 12 months on the plan Routine physicals (exams must be separated by 12 months)	US$250 per period (not subject to deductible or coinsurance)
	Dental Emergency Necessary treatment of sudden unexpected pain to sound, natural teeth. (Not to be confused with dental treatment received after an accident.)
	Complementary Medicine When referred by a physician Acupuncture Aroma Therapy Herbal Therapy Magnetic Therapy Massage Therapy Vitamin Therapy	US$150 per period US$50 per period US$50 per period US$75 per period US$150 per period US$100 per period
	Chiropractic Care When referred by a physician With no physician referral	URC US$25 per visit (maximum of 20 visits per policy period, not subject to deductible or coinsurance)
	Recreational SCUBA Coverage For hazardous sports, please contact your insurance professional	URC
	Amateur Sailboat Racing Coverage Please contact your insurance professional for benefit details.	US $50,000.00 lifetime maximum; up to US $10,000.00 per certificate period. (Subject to a benefit deductible of US$2,500.00).
	Other Radiation treatment Home nursing care Hospice care Prosthetic devices Physical therapy (maximum US$50 per visit)	URC
	This is a summary of benefits only, and is subject to the specific terms and conditions of the plan concerning eligible benefits, limitations, eligibility and exclusions thereunder. Please refer to the policy wording for a complete description.

While Global Crew Medical Insurance ^SM is designed to protect individuals from the high cost of medical expenses, Global Crew Term Life Insurance provides protection following a traumatic loss. Global Crew Term Life Insurance also includes Accidental Death and Dismemberment (AD&D) coverage at no additional cost. AD&D is paid in addition to any amount paid by Global Crew Term Life Insurance and can double the amount of the benefit.

Those approved for the Global Crew Medical Insurance and under age 70 are automatically eligible for Global Crew Term Life Insurance at the time of application. Global Crew Term Life Insurance is an optional program purchased in units. The number of units an applicant may purchase is based upon their age at the time of application and each subsequent renewal. Applicants who are either 18 years of age or between the ages of 65 and 69 are eligible for one unit of coverage. Applicants from 19 through to 64 are eligible for two units of coverage.

	AGE		PRINCIPAL SUM	per unit
	18		US$5,000
	19-29		US$75,000
	30-39		US$50,000
	40-44		US$35,000
	45-49		US$25,000
	50-54		US$20,000
	55-59		US$15,000
	60-64		US$10,000
	65-69		US$7,500

			BENEFIT
	Accidental Loss of Life		Principal Sum*
	Accidental Loss of Two Members**		Principal Sum*
	Accidental Loss of One Member**		50% of Principal Sum*

Insuring your life and health reduces the burden of unforeseen financial liabilities due to an illness or accident. Unfortunately, obligations and bills continue even during a hospital stay. The Global Crew Daily Indemnity plan is an excellent way to offset these expenses. Global Crew Daily Indemnity will pay directly to you US$100 for each required overnight stay in a hospital. The hospital stay must be covered under your Global Crew Medical Insurance and hospital stays related to pregnancy are not eligible.

Available only for ages 19 through 69 with Global Crew Medical Insurance

			PRINCIPLE SUM
			US$100 per day

You may seek treatment under Global Crew Medical Insurance worldwide, including the United States, at a hospital or doctor of your choice. When seeking treatment in the U.S., you may use IMG's independent Preferred Provider Organization (PPO), a network of over 360,000 physicians and 4,000 hospitals. Using the provider network could significantly reduce your out-of-pocket expenses. Your deductible will be reduced by 50%, and any coinsurance applicable to that charge is waived when eligible treatment is received by a network provider. When a U.S. hospital outside the network is used, a co-payment of US$250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however, if there is not a network provider within 50 miles from the location of treatment. You may access the PPO directory by requesting that a copy be sent to you. Providers are listed by location and specialty.

Pre-notification of treatment (notifications of illness or accident) simply means calling IMG prior to a specific treatment or surgical procedure. The following treatments or procedures require pre-notification: Inpatient hospitalization Any surgery or surgical procedure including outpatient CAT scans, MRIs Within 48 hours after emergency admission to a hospital Care in an extended care facility Home nursing care Durable medical equipment including artificial limbs Transplants Emergency medical evacuations

By notifying IMG, qualified medical staff will review the anticipated length of your stay, treatment or procedure and deem if the requested services are medically necessary. You, the doctor, a hospital representative or relative may advise IMG of a Pre-Notification request. Pre-notification is not a guarantee of payment.

Along with Pre-notification of treatment, IMG strongly suggests you or your medical provider verify eligible coverage and medical benefits prior to treatment. During this process IMG will also advise of proper claims submissions and may be able to assist with coordination of payment on your behalf. All medical expenses must meet eligible payment guidelines in accordance with the terms and conditions of the plan and Verification of Benefits is not a guarantee of payment.

Benefits include: •Pre- and post-natal care •Maximum of US$5,000 for normal delivery for each pregnancy •Maximum of US$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 per period of coverage (not subject to deductible or coinsurance) for eligible newborn children for the first 12 months

Must be selected at time of initial purchase of plan • 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 the 11th or 12th month of continuous coverage • See the application form for the cost of this optional rider

	Global Crew Medical Insurance
	Online Application
	Application to Complete offline (PDF)
	Brochure (PDF)