International Medical Insurance for Non-US Citizens Members

Sponsored by Global Benefits Group

The SPE GlobalCare International Program offers medical insurance to members of international societies and associations in the petroleum, engineering and mining industries who are non-U.S. citizens. This comprehensive major medical plan comprises 3 types of coverage: Independence Worldwide, Independence International, and Independence International Plus.

In addition, any SPE GlobalCare member covered by an individual policy issued by Global Benefits Group is eligible to purchase a supplemental package with a life insurance and dental benefit (see Premier Benefits Package explanations below).

Permanent residents of the US, Canada, Hong Kong, United Kingdom, and Switzerland cannot be covered.

Please contact us at globalcare@rutherfoord.com for further details.

Three Types of Coverage to Choose From

Worldwide - No geographic restrictions; complete coverage anywhere in the world, including the United States and Canada.

International Plus - Complete medical treatment anywhere in the world, with the exception of only covering emergencies in the United States and Canada.

International - Complete medical treatment anywhere in the world, with the exception of the United States and Canada.

Please note that for International Plus and International coverage, some specific Restricted Areas, such as China, Hong Kong, Singapore, Switzerland and the United Kingdom, require co-payments. (Restricted areas are subject to change).

In addition to these three base Geographic Coverage Areas, GBG can customize a plan that restricts coverage to certain regions or only in a country of residence.

While rarely are any plan designs exactly alike, most GBG groups have the following health insurance benefits:

  • $1,000,000 annual maximum benefit
  • Coverage for accidents and illnesses
  • Emergency medical evacuation and air transportation
  • Prescription drug benefit
  • Access to discounted U.S prescriptions through a pharmacy network
  • Inpatient and outpatient coverage
  • Maternity benefits
  • Well baby care benefits
  • Dependent coverage to age 26
  • Chronic conditions covered
  • Approved pre-existing conditions covered
  • Maximum age for enrollment 65, renewal to age 75
  • Deductible and Co-payment options available to reduce premiums

Major Exclusions and limitations:


  • Charges in Excess of Usual and Customary
  • Cosmetic and Elective Surgery
  • Addictive Conditions
  • Co-payments required on all U.S. out of network treatment
  • Co-payments required in some restricted areas (See information above on Restricted Areas).

Eligibility

You are eligible to purchase this policy if you are a non-US citizen and reside or travel more than 180 days outside of your home country

Your eligibility date, if you have been determined eligible, will be the first day of the month following the first day of acceptance.

You may renew your policy if you return to a restricted area, to reside and/or work. The premium will be calculated at the rates applicable to the restricted areas.

Membership Card

In addition to this policy, members receive a card detailing certain features of their coverage. Your membership card will contain the following;

  • Deductible amount - How to file a claim
  • Policy Number - Contact number in case of emergency
  • Co-payment percentage - How to contact the preferred provider network
  • Phone number for pre-authorization.

How to Apply for coverage

It is important to read the General Information section of this website before applying for coverage. Please go the Applications and Forms section in order to obtain a quote.