Global Basic Insurance is designed to provide coverage similar to Global Medical Insurance, however, it features specific dollar limits on most benefits. This is the perfect plan for those who want coverage for a variety of medical services, but are seeking to reduce their premium costs.

Global Basic Insurance provides US$5,000,000 of lifetime coverage with a full range of benefits suited for individuals and families. The plan offers two options: worldwide coverage or worldwide coverage excluding the USA and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Basic Insurance you receive our commitment to deliver world class health benefits, medical assistance and total peace of mind.

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To see a comparison of Global Basic Insurance and Global Medical Insurance, please Click here.

You also have the option of adding Global Term Life Insurance^SM and Global Daily Indemnity^SM to your Global Basic Insurance coverage.

Global Term Life Insurance

• Global Term Life Insurance provides protection for your family at the time of a traumatic loss and is available with no additional underwriting. This coverage is available for a standard annual premium of $240 and includes an Accidental Death and Dismemberment benefit.

Global Daily Indemnity

• Global Daily Indemnity pays you US$100 for each covered overnight hospital stay other than those related to pregnancy.

SPECIAL NOTE: This plan is renewable. This plan provides long-term medical coverage for non-US citizens around the globe including the U.S.A. For U.S. citizen, you must live or travel outside of  the United States for at least 6 months of any given 12 months of policy period in order to qualify for this plan. If you are a non-US citizen and a permanent resident of the United States, a green card holders, please contact us for eligibility requirement.

Lifetime Eligibility
Lifetime medical coverage is available if you are enrolled in the Global Basic Insurance plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium.

Global Basic Insurance^SM (GBI) covers the Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. Each insured person will only need to satisfy their deductible once per period of coverage (12 months), with a maximum of three deductibles per family. For eligible expenses incurred in the U.S. and Canada: once the deductible is met, GBI pays 80% of the next US$5000 in eligible expenses, then 100% of eligible expenses up to the policy maximum. For eligible expenses incurred outside of the U.S. and Canada: once the deductible is met, GBI will pay 100% of eligible expenses up to the policy maximum.

Exclusions:
After coverage has been in effect for 24 continuous months, Global Basic Insurance provides a US$50,000 lifetime benefit for eligible pre-existing conditions that existed at or prior to the effective date, subject to a maximum of US$5,000 per period of coverage. This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24-month period. This is important since few pre-existing conditions remain free from ongoing consultation or treatment, and often do not qualify for coverage in standard plans. Global Basic Insurance does not "rider" or charge additional premium for pre-existing conditions. If you properly disclose a pre-existing condition at the time of application, and are accepted into the plan, you will be covered for eligible medical expenses after 24 months of continuous coverage, subject to the foregoing limits and the other terms of the plan.*

The following illnesses which exist, manifest themselves or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described above: asthma, allergies, tonsillectomy, back conditions, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

OTHER EXCLUSIONS & LIMITATIONS* Maternity and newborn care (unless the maternity rider is purchased - see details under the Benefits section) Inpatient mental and nervous Routine physical exams Dental treatment unless accident related Organized amateur or professional sports Treatment not ordered or received by a physician Treatment or supplies not medically necessary Investigational, experimental or research procedures Custodial care Weight modification Elective cosmetic or plastic surgery Treatment of impotency Contraceptive medication or treatment Drug and alcohol abuse treatment Organ transplants not specifically listed Devices to correct sight or hearing Routine foot care Treatment by a relative or family member Treatment as a result of war or riot Treatment resulting from illegal activities Speech therapy Persons HIV+ at effective date Services and treatment eligible for payment by any government or other insurance.

• Maternity and newborn care (unless the maternity rider is purchased - see details under the Benefits section)
• Inpatient mental and nervous
• Routine physical exams
• Dental treatment unless accident related
• Organized amateur or professional sports
• Treatment not ordered or received by a physician
• Treatment or supplies not medically necessary
• Investigational, experimental or research procedures
• Custodial care
• Weight modification
• Elective cosmetic or plastic surgery
• Treatment of impotency
• Contraceptive medication or treatment
• Drug and alcohol abuse treatment
• Organ transplants not specifically listed
• Devices to correct sight or hearing
• Routine foot care
• Treatment by a relative or family member
• Treatment as a result of war or riot
• Treatment resulting from illegal activities
• Speech therapy
• Persons HIV+ at effective date
• Services and treatment eligible for payment by any government or other insurance
  
  *See certificate wording for a definition of pre-existing conditions and a complete list of exclusions and limitations, and for all other specific terms and conditions of the plan. Certificate wording is available upon request.

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  Click here for Instant Quotes & Online Application
Please read the Benefits & Exclusions of this plan carefully before submitting your application.

  If you have any questions, please contact our friendly specialists.

877-211-3654 or 559-294-0316

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