GlobalSelect Schedule of Cover and Excesses

Schedule of Cover and Excesses

This Schedule of Cover and Excesses must be read in conjunction with the GlobalSelect Policy Wording (copy available upon request), and all sections and cover are subject to all terms and conditions. Each GlobalSelect sub-plan has a different column to identify the specific limits of cover and sections that are applicable to it.

Your cover is always subject to the overall aggregate maximum sum insured per insured person. Each section of cover is per Insured Person and per Period of Insurance, unless stated otherwise and always subject to the benefits stated for each sub-plan and plan terms, conditions, limitations and exclusions. Please note that sub-limits and precertification requirements apply within certain benefit sections - refer to the Policy Wording for further details.

All benefit limits and excesses in this schedule of cover and excesses are set in £Sterling, $US Dollar and €Euros. The currency in which you pay your premium being either £Sterling, $US Dollar and €Euros, is the currency that applies to your sub-plan for the purposes of the benefit limits.

Click the blue headers for further information.

Summary of Benefits Subject to excess and coinsurance unless otherwise noted
In-Patient & Day-Patient Treatment
Out-Patient Treatment and Wellness Benefits
Travel, Transportation and Out Of Area Benefits
Cover in respect of Pre-Existing Medical Conditions and Chronic Conditions
Dental Treatment
Non-Medical Insured Covers and Benefits
Other Services and Benefits
Maternity Cover (OPTIONAL) - after 10 months continuous coverage
Sub-Plan Excesses
Voluntary Medical Excesses

*This Web page contains only a consolidated and summary description of some of the current benefits, conditions, limitations and exclusions. A Policy Wording containing the full terms, conditions and exclusions will be included in the fulfillment kit. IMG Europe reserves the right to issue the most current Policy Wording for this insurance program in the event this Web page, application and/or booklet has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.