GEMS
Emerald
Full Optimum Global dossierUS$1,000,000
Annual reference benefit maximum · USD
Optimum Global Insurance Company Limited (Guernsey)
Insurer evaluation · sourced dossier
Use this guide to assess a specific Optimum Global plan, not the brand in isolation. The insurer name is included for comparison research; it does not confirm a commercial partnership, product availability or recommendation.
Illustrative stock photographs (Unsplash); not ExpatMedicare staff, clients or Optimum Global members.
Document-led product discovery
Compare specific international product families, benefit schedules and the legal insurer behind each brand.
5 tier / reimbursement-basis records · benefit ceilings, not premiums
Emerald
Full Optimum Global dossierUS$1,000,000
Annual reference benefit maximum · USD
Optimum Global Insurance Company Limited (Guernsey)
Sapphire
Full Optimum Global dossierUS$2,000,000
Annual reference benefit maximum · USD
Optimum Global Insurance Company Limited (Guernsey)
Ruby
Full Optimum Global dossierUS$3,000,000
Annual reference benefit maximum · USD
Optimum Global Insurance Company Limited (Guernsey)
Jade
Full Optimum Global dossierUS$5,000,000
Annual reference benefit maximum · USD
Optimum Global Insurance Company Limited (Guernsey)
Diamond
Full Optimum Global dossierUS$8,000,000
Annual reference benefit maximum · USD
Optimum Global Insurance Company Limited (Guernsey)
Source boundaries
Full 2026 comparison page read; annual maxima US$1.5m / 1.5m / 2.5m / 5m. Applicable plan agreement and currency-specific member guides have not been retrieved; no complete contract comparison offered.
Official source
Current benefit table, carrier and policy version still needed; the surfaced 2015 CFE brochure cannot establish current benefits.
Official sourceMatched residence-specific brochure and policy wording have not been read in this iteration.
Official sourceAsk an adviser whether the exact product is available for your residence and request current documents through an appropriate channel. Share medical declarations only through the insurer's secure process, not a general WhatsApp request.
Ask about Optimum Global plan evaluation, current wording and the appropriate next steps. No medical records in the initial message.