Frequently Asked Questions

What is Global Protective Solutions(℠) (GPS)?

Global Protective Solutions (℠) is Custom Assurance Placements, Ltd. brand name for specialty services and products including accident and complications benefits as well as other coverages and benefits for global medical travel or the medical tourism industry. The accident and complications services and benefits were developed to meet the specific and unique needs of medical tourists for an accident occurring outside of the medical traveler’s home country. It was designed to address the potential financial costs of accidental medical complications or travel related accident, injury or illness expenses. Coverage is afforded to nearly all international medical travelers who seek treatments outside of their country of residence or citizenship.

What is Medical Travel or Medical Tourism?

Medical travel (also called medical tourism, health tourism, destination healthcare or global healthcare) is the practice of travelling outside a person’s home country for the purposes of receiving medical or dental care. The most common medical tourists are travelling to save money, to obtain services not available in their home country or to have elective procedures in conjunction with a restful vacation. Additionally, some large self-funded companies have implemented a medical travel benefit option to mitigate medical care costs within their employee health plans.

I am not American, can I get benefits and services through GPS?

In nearly all cases yes, medical travel is a global activity, the benefits and services are available to address the needs of medical travelers on a worldwide basis. There are a handful of countries that have various trade sanctions imposed against them citizens if these countries unfortunately cannot participate in coverage.

Is Medical Travel safe?

Every medical procedure carries risks. Many of these risks are the same that you would have no matter where you were having a medical procedure. Pre-trip planning and review of your current health condition can help mitigate  unintended risks.  Further, it is important to use credible medical travel facilitators or medical travel programs that will typically require the use of a Joint Commission International (JCI) Accredited facility or a facility that has an international equivalent to this accreditation. Please ask your facilitator about the credentials of your provider or look at the JCI website: www.jointcommissioninternational.org

Is JCI accreditation required to use the travel accident benefits and services of Global Protective Solutions (GPS)?

JCI accreditation is not mandatory.  However the medical or dental provider must be licensed within its jurisdiction, and have either a recognized national or international accreditation.

What do I need to know about the travel accident and complications services and benefits?

Services and benefits were developed specifically for the medical tourist or medical traveler. Specifically, the travel accident and complication benefits reimburse participants for certain costs associated with qualified medical complications that may arise from a procedure or an accidental injury while travelling for an approved medical procedure. Other benefits include access to a secure electronic medical record portal; important travel information links and resources; and an assistance service.

Is GPS an insurance company?

GPS is a host of services and programs provided or administered by Custom Assurance Placements, Ltd. which includes various insurance solutions for the medical travel / tourism industry.

Who is Custom Assurance Placements, Ltd. ?

Custom Assurance Placements (CAP) is a US based insurance broker. CAP created and is the administrator of the Global Protective Solutions programs.

What makes the accident and complication benefits different from other medical travel insurance plans?

In addition to participants receiving regular travel accident benefits, benefits have been enhanced to include benefits for medical complications for 6 months after the initial procedure.  Nearly all standard travel insurance policies exclude the activity of travel for receiving medical or dental procedures/treatments, thus these policies may not be sufficient for the medical traveler. Other medical travel accident policies only include corrective procedure limits for complications of a covered medical procedure. The GPS program related to travel accident include complications resulting in death, total disability, rehabilitation and physiotherapy, family coordination, residence modification, corrective procedures required from a complication, and more.

What is included in the accident and complication services and benefits?

Services include:

Please refer to a full listing of services at Soter World Services (Guernsey) Trust

Benefits for participants resulting from qualified medical complications as follows:

  • Additional Medical or Surgical Expenses Due to a Medical Complication
  • Additional Medical or Surgical Expenses Due to Thrombosis
  • Additional Medical or Surgical Expenses for correcting a Failed or Unfavourable Outcome that was caused by a Covered Complication
  • Additional Expenses for Travel, Meals and Accommodations
  • Dependent Care / Family Coordination
  • Residence Modification, Physiotherapy and Rehabilitation
  • Severe Disfigurement
  • 24 Hour Assistance Services
  • Loss of Reproductive Function
  • Accidental Death
  • Permanent Total Disability Income
  • Repatriation of Mortal Remains

What happens if something goes wrong?

Provisions have been made for comprehensive 24 hour travel assistance, by simply calling the Specialty Assist™ telephone numbers provided on the issued ID Card.

What happens if I suffer a medical complication after I return home?

You should seek medical attention immediately, especially in emergency situations.  There is no preauthorization for treatment.  Benefits can cover your treatment in your home country or, if necessary and prudent, the original surgeon can treat your condition.

Will benefits pay for the medical procedure being done in another country?

Original expenses and cost of surgery is the responsibility of the participant.  GPS travel accident and complications benefits provide for unexpected accidents and medical complications of the original surgery.

What if I am not satisfied by the outcome of my procedure?

The benefits do not provide a guarantee of workmanship or a guarantee of satisfaction of the aesthetic results, but rather provide various benefits in the event of a medical complication that may arise during or after your surgery.

Do the benefits and services for travel accident and complications include benefits for follow-up care after a procedure?

Normal follow-up care which is not the result of a covered complication is not included. Additionally, there are no benefits for the patient’s failure to follow pre- and post-operative medical instructions.

Can my travel companion participate in benefits as well?

Yes, your travel companion can participate in the travel accident benefits. It is recommended that travelers have the same coverage. This helps in the case of an accident where both parties may be involved. It can help make claim assistance easier if you have one set of benefits that is the same for all and one assistance company coordinating assistance services.

How would I file a claim?

Benefits are provided to participants of the policy issued to a Guernsey Trust and coverage is subject to the terms & conditions of the policy. Benefits are paid by reimbursement of covered expenses to the participant following adjustment of the claim.

In order to be reimbursed, a participant submits a claim, any required physician’s reports, bills and other documentation. This information is then presented to the claims administrator to determine if benefits are payable under the terms of the policy issued to the trust.

In some instances, claim payments for expenses that are incurred but that have not been paid by the covered person can be settled directly by way of an “assignment of benefits” to a second party such as a hospital or other provider.

In non-emergent situations, claims can be submitted with receipts for costs associated with the claim. Claims should be reported within 30 days of the time of occurrence and paid receipts will be required for reimbursement.

Please report all claim or assistance service needs to:

Specialty Assist™/Intana Global
6 Devonshire Square, London EC2M 4AB
Telephone: +44 (0) 207 902 7405
Facsimile: +44 (0) 207 407 9206

E-mail: claims@intana-global.com

TO USE THIS SERVICE, IDENTIFY THE POLICY NUMBER AND/OR GROUP NAME ON YOUR ID CARD.

How do I participate in coverage?

All participants must first submit an application for enrollment online.  Once the application has been reviewed and approved, you will receive an approval notification with instructions on how to submit a secure payment.  Once payment is verified you will immediately receive a confirmation of your enrollment and your ID Card.

This summary is meant as a general overview of the policy terms and is for illustration purposes only and is not meant to describe benefit details or specifics. Please refer to the Trust policy for specific details.