Global Health Insurance Review

inishuwarenzi Global noutano inishuwarenzi refu-refu kuti nzwisisika uye akakodzera vose mumwe munhu uye mhuri yose. Health inishuwarenzi kwakakosha munyika yanhasi, kunyanya kana uine kurarama uye kushanda munyika mbiri, kana kana uchinyatsoda rakafanana kufamba munyika.

Zvinoumba utano inishuwarenzi yose

With purogiramu inishuwarenzi utano munyika yose, unogona kusarudza nyore nzvimbo nhau zvichawanikwa nokufukidzwa inishuwarenzi. Pane vaviri nhau nzvimbo kusarudza kubva:

• Chero nguva panyika kunze USA, Canada, China, Hong Kong, Japan, Macau, Singapore uye Taiwan;
• Nhau munyika.

Mukuwedzera, insured akasununguka kusarudza zveutano Provider - ichi kunogona kuva kunokosha chaizvo kana uine chinhu mupfungwa.

Zviri yose inishuwarenzi utano hurongwa

Kana vanoda kufamba pasi pose, kana kana uchigara munyika mbiri dzakasiyana, ipapo iwe ziva kuti izvi zvose zvakabatana nezvinetso zvakawanda, kusanganisira inishuwarenzi utano. Health inishuwarenzi ndewe kufunga kunyange kana uri munhu zvachose utano munhu, uye kana paine matambudziko mumuviri wako, ipapo inishuwarenzi yose utano zvinofanira kuva upenyu hwako.

Chii chinokosha pamusoro IMG Global Health Insurance? Chokutanga, unogona kusarudza mutero plan, sezvo inowanika dzakawanda kusarudza, uye aida kuchinja nhau nzvimbo runoita kuti gadzirisa inishuwarenzi mumwe nomumwe nomumwe munhu kana mhuri. Asati uchitsvaka inishuwarenzi, gadziriro dzinofanira hazvo uzive nhoroondo yako wezvokurapa uye mhuri yenyu mitezo, avo vachazozvidzidzisawo vanobatanidzwa inishuwarenzi. Izvi achabvumira chirongwa kusarudza yeinishuwarenzi nzira munhu kuti kuikudziridza yakawanda sezvingabvira, yakavakirwa zvaunoda.

Unofanira kuziva kuti IGM ane dhipatimendi huru yose inoita kuti nechokwadi chokuti munyika yose utano nhau kutenga vose, kunyange sezvo utano mari chete kuwedzera ose gore.

Global utano nhau inowanikwa pamwe akazvitsaurira MyIMG Travel Intelligence mbozha Toolkit. Izvi seti zvinosanganisira panorongwa uye mashoko nzira anogona kuyambira kutyisidzira, mamiriro okunze, uye kunyange motokari pokumbononotswa, vachifunga imwe nzvimbo.

IGM anogona kupa vatengi ayo norugare rwepfungwa kana uchisarudza utano inishuwarenzi zvokuti yose kuti insured anogona kugamuchira yepamusoro kutarisirwa chero nguva, pasinei vari munyika nyore.

Zvakanakira IGM Global Health Insurance

inishuwarenzi Global utano ane mapoka mana: zvendarira, sirivha, nendarama uye Platinum. Zvichienderana nechimwe izvi siyana, nhamba kubatsira vari kuwedzera inishuwarenzi zvinosiyana.

Bronze Status Features

Ngatimboonai pfungwa dzinokosha kuti yendarira mamiriro utano inishuwarenzi yose anopa, uye kuva kunyatsoenderana, kubatsira kuti insured munhu kana mhuri yake anogamuchira.

• Kunonyanyisa upenyu muganhu: $ 1.000.000 pamunhu;
• Outpatient Clinic: The insured anogona kupedza vaifanira kuti $ 300 paminiti kushanya kwachiremba. Pamazita Izvi zvinosanganisira chero outpatient miedzo; $ 250 inogona kupedzerwa X-ray kushanya. $ 500 anowanikwa kuti muunganidzwa vanachiremba kana vanachiremba vose vasati uye pashure inpatient kurapwa.
• Kana insured iri vakabvuma kuti zvashata dhipatimendi, izvi chete akafukidza kana vakabvuma kuchipatara.
• For CT, MRI, echocardiography, endoscopy, gastroscopy, uye cytoscopies, vaifanira kuti $ 600 paminiti nzira iri dzinounzwa.
• Nokuti mubatsiri chiremba panguva kuvhiyiwa - 20 muzana mwero mukuru chiremba.
• Izvi zvinosanganisira utano kurapa. Panowo pane muganhu - $ 40 chete kushanya, apo unogona kushanyira muitiro kagumi. pfungwa iyi inowanika kwemwedzi mitatu pashure inpatient kurapwa kana kuvhiyiwa.
• Kuisirwa vane hwose panogumira $ 250,000 kunonyanyisa.
• The insured anogona kushandisa veko amburenzi kana kukuvara kana chirwere chipi kuti kwakatungamirira muchipatara. The muganhu nokuti chiitiko ichi ndicho $ 1,500.
• Emergency kubvisa iri mune zano iri, kunyange zvazvo muganhu ndechokuti upenyu, uye ane kukura $ 50,000.
• Iyo InterDecrement Ambulence Chinjana inowanikwa - kufambisa kwemurwere kubva kune imwe nzvimbo yekurapa kuenda kune imwe. Muganho we $ 1,500 inowanikwa kune imwe inishuwarenzi kuendesa.
• Kana chimwe chinhu chisina kujeka chaitika, uye iwe unofanirwa kudzosera zvasara kumusha kwavo, ipapo iyo bronze nhanho inopa muganho wemadhora zviuru gumi nezvinhu izvi.
• Mazino ekutamba kwemazino ane madhora chiuru emadhora ekuvhara nguva yese yekuvhara.

Uye izvi zvinongova zvishoma zvezvisingabatanidzwe muzvinyorwa zvebronze hwehutano hwepasi rese. Sezvauri kuona kubva pane zvakange zvanyorwa, zvehutano hwenyika kubva kuIGM kunyangwe padanho rendarira rinosanganisira rondedzero huru yemasevhisi, zvakateerana, pane mamwe miganho, iyo nhamba yemasevhisi anowedzera uye ingoita zvakanaka.

Sirivheri mamiriro maficha

• Maximum Life Insurance Limit: $ 5,000,000 emunhu mumwe nemumwe akafukidzwa neinishuwarenzi.
• Franchise mari inogona kubva pamadhora mazana maviri nemashanu kusvika kumadhora zviuru gumi.
• Kupararira Kwekunze Kliniki: Iko kune $ 300 muganho pakushanya kunosanganisira lab bvunzo; Kune zvakare madhora mazana maviri nemakumi mashanu ekushanya X-ray. Kune kushanya makumi maviri neshanu kunowanikwa, mumwe nemumwe anotadza kupfuura madhora makumi manomwe pakushanya, kungave kuongororwa, kana chaiwo nyanzvi yehunyanzvi. Izvi zvinosanganisirawo chiropractor, kunyangwe hazvo kurongeka kwakakosha kurapwa kana kuronga kurapwa kunodiwa. Iko kune muganho wepamusoro wemadhora mazana mashanu ekubvunzana kwekuvhiya.
• Kurapa kwepfungwa kana neuropelogy kunowanikwa pane imwe yemakumbo chete mushure megore rekuenderera mberi kwekuvhara.
• Kana muchipatara zvichidikanwa, kana kamuri uye bhodhi, saka muganho wemadhora mazana matanhatu pazuva razvinowanikwa, mazuva makumi mana nemana anogona kuvharwa neinishuwarenzi.
• Padanho resirivheri, chikamu chakasimba chekutarisira chinowanikwa, asi pane miganhu pano zvakare: $ 1,500 pazuva - mazuva zana nemakumi mairi anowanikwa.
• CT, MRI, Echocortiography, endoscopy, Gastoscopy, uye Cystoscopy inowanikwawo, uye ine muganho wemadhora mazana matanhatu pabasa.
• Physotherapy inogona kushanyirwa makumi matatu, uye kushanya kumwe chete hakufanirwe kudarika $ 40.
• Inochinjika ine iyo imwechete yehupenyu hwese muganho seyevhuvhu madhora mazana maviri nemakumi mashanu.
• Commengency emergency kuriritira kana kurwara izvo zvinoguma nekuparadza chiratidziro inowanikwa pane cap ye $ 1,500 pachiitiko.
• Senge bronze trier, emergency emergency inowanikwa pano neiyo muganho mumwe chete wemadhora zviuru makumi mashanu pane yekuvhara nguva.
• Iyo InterDecrement Ambulence Chinjana inowanikwa - kufambisa kwemurwere kubva kune imwe nzvimbo yekurapa kuenda kune imwe. Muganho we $ 1,500 inowanikwa kune imwe inishuwarenzi kuendesa.
• Kudzoka kwekufa kumusha kwavo kunobatanidzwawo muinishuwarenzi, panguva ino, muganho wemadhora zviuru makumi maviri nemadhora ehupenyu huripo pabasa iri.
• Mazino ekutamba kwemazino ane madhora chiuru emadhora ekuvhara nguva yese yekuvhara.
• Yepasi rose Inishuwarenzi Pazera iri inosanganisira kudzivirira kuchengetedza vana, muganho ndeye madhora makumi manomwe pakushanya, 3 kushanya kunowanikwa panguva yekuvhara.

Goridhe Status maficha

IGM Global Health Inishuwarenzi Status Status inopa vanhu vepamusoro vanhu vakatonyanya kubatsirwa zvakanyanya kupfuura nzizi dzakatotaurwa.

• Maximum Hupenyu Limit: $ 5,000,000 pamunhu.
• Deductible (pa nhau nguva): $ 250 kusvika $ 25,000.
• Outpatient kurapwa pamwe deductible uye co-inishuwarenzi.
• Mental kana chetsinga kurapwa: $ 10,000 kunonyanyisa paminiti nhau nguva aine vaifanira $ 50,000 nhau nguva - kuwanikwa pashure pemwedzi 12 dzamarudzi nhau.
• Hospital Emergency Department: pamunoita deductible uye co-inishuwarenzi.
• Muchipatara ndinoiitawo nepokugara: kusanganisira deductible uye co-inishuwarenzi kuti paavhareji mutengo munhu Semi-muimba.
• Intensive Care Unit: pamunoita deductible uye co-inishuwarenzi.
• CT, MRI, echocardiography, endoscopy, gastroscopy uye cytoscopy: pasi deductible uye co-inishuwarenzi.
• Podiatric hanya: $ 750 kunonyanyisa muganhu.
• Physical Yokurapa: pamunoita deductible uye co-inishuwarenzi, kunonyanyisa $ 50 chete kushanya.
• Kuisirwa: Maximum $ 1.000.000 hwose.
• Local amburenzi nezvinokuvadza kana chirwere zvichiguma muchipatara: kusanganisira deductible uye co-inishuwarenzi.
• Emergency kubvisa: kusvikira kunonyanyisa upenyu muganhu. Not franchised kana co-insurable.
• Kudzoka vanofa zvisaririra: $ 25,000 kunonyanyisa upenyu - hapana deductible kana co-inishuwarenzi.
• Hospital mari: Private Hospitals: $ 400 paminiti usiku uye vaifanira panogumira $ 4,000 paminiti nhau nguva. Public zvipatara: $ 500 paminiti usiku uye vaifanira panogumira $ 5,000 paminiti nhau nguva.
• Adult Prophylaxis: $ 250 paminiti nhau nguva. Not franchised kana co-insurable.
• Okudzivirira Kutarisira Children: $ 200 kunonyanyisa muzana nhau nguva. Not franchised kana co-insurable.

Platinum Status Features

• Kunonyanyisa upenyu muganhu: $ 8.000.000 pamunhu.
• Deductible (pa nhau nguva): $ 100 kusvika $ 25,000.
• Mental kana chetsinga kurapwa: $ 50,000 kunonyanyisa yose rokuti - kuwanikwa pashure pemwedzi 12 dzamarudzi nhau.
• Hospital Emergency Department: pamunoita deductible uye co-inishuwarenzi. Zvimwe deductible kuti $ 250.
• Muchipatara, nepokugara, kusanganisira deductible uye co-inishuwarenzi kuti paavhareji mari mukamuri chete.
• CT, MRI, echocardiography, endoscopy, gastroscopy uye cytoscopy: pasi deductible uye co-inishuwarenzi.
• Maternity (Birth, Prevention, achangoberekwa uye Birth Care, Pregnancy Family Nyaya Program): $ 2,500 zvimwe deductible muzana pamuviri. $ 50,000 chokupedzisira chaanopa upenyu. $ 200 chokudzivirira hanya ngaabvumire vachangoberekwa kwemazuva 31 okutanga - 12 mwedzi azvarwa. Maximum $ 250,000 kuti neonatal uye vachiberekwa kurapwa mumazuva 31 okutanga pashure pokuberekwa.
• Physical Yokurapa: Deductible uye co-inishuwarenzi yaisanganisira, asi $ 50 kunonyanyisa pa kushanya.
• Kuisirwa: kunonyanyisa $ 2,000,000 hwose.
• Local amburenzi nezvinokuvadza kana chirwere zvichiguma muchipatara: kwete deductible kana co-insurable.
• Emergency kubvisa: kusvikira kunonyanyisa panogumira upenyu. Not franchised kana co-insurable.
• Interagency amburenzi Kutamisirwa: Not franchised kana co-insurable, US chete.
• Political kubvisa uye kudzorerwa: $ 10,000 kunonyanyisa upenyu.
• Kure senga: $ 5,000 paminiti nhau nguva kusvika $ 20,000 rose refu. Not franchised kana co-insurable.
• Kudzoka vanofa zvisaririra: $ 50,000 kunonyanyisa upenyu - hapana deductible kana co-inishuwarenzi.
• Nopindirana Medicine: $ 500 kunonyanyisa muganhu chete nhau nguva.

Saka, inishuwarenzi pose utano rinofukidza akawandisa mabasa kuti kungadiwa chero nguva. The yakakwirira padanho, kubvira zvendarira, dzakanga kuwanda mikana insured vanhu.

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Nhasi, inishuwarenzi yehutano hweGlobal yakakosha kune avo vanofarira kufamba kana kurarama kazhinji mukutya kwakasiyana. Iyi inishuwarenzi inogona kudzivirira hutano hwako iwe nemhuri yako chero kupi zvako pasi.