GMI Silver questions

[submittedviaemail]

1. I bought GMI Silver from you. I want to get more explanation of outpatient benefit. It is stated USD 70 per visit, max 25 visit. Is it subject to deductible, as my deductible is USD 1000, does it mean the outpatient benefit is useless? 2. Is it possible to add more member to a family? My husband may want to join under the same policy.

[insubuy]

1. Yes, it is subject to deductible. However, deductible is annual (once a year).

Therefore, outpatient benefit is still useful.

2. You can't really add the family members (there is no advantage in doing that.)
You can buy a new one at https://www.insubuy.com/expatriate-health-insurance/

[submittedviaemail]

Say, someone goes to doctor (outpatient) 20 times during the year, total per visit is USD 60. Does it mean he can claim the USD 1200 less USD 1000 deductible? Does he need to submit the bill everytime he visits the doctor (even it is only USD 60), or can he accumulates and once it is over USD 1000, submit all documents at once to the insurer? Does the limit including medical prescribed by the doctor? It is really confusing. I need to understand before buying one for myself. Thank you.

[insubuy]

In that case, the person would get $200 ($1200-$1000).

You should submit the bills as and when you use the insurance.

Prescription drugs coverage is separate.

Please let me know if you have any other questions.

[submittedviaemail]

No. you did not answer my question. Do I need to declare to the insurance company everytime I go to visit doctor, although the bill is only USD60, and it is not going to be reimbursed by the insurance company? IF not, how can the insurance company know that my accmulated bill has reached above the deductible limit? Or I keep the bill myself, and then when the limit has reached over USD 1000, I send all the bills in one package to the insurance company to get reimbursed for the balance?

[insubuy]

You should submit the bills as and when you incurr the expenses. That is the only way insurance company would know how much you have spent and count it towards the deductible.