Schedule of Benefits
All amounts shown are in U.S. dollars. Click the orange headers for further information.
|Plan Maximum ||$10,000 per illness or injury with a Lifetime Maximum of $5,000,000. |
|Coinsurance ||No Coinsurance |
|Deductible ||$100 per Illness or Injury |
|Treatment Period ||60 days per chronic illness |
|MyIMGSM ||24 hour secure access from anywhere in the world to manage your account at anytime |
|International Emergency Care ||A wide range of international emergency benefits available including emergency evacuation, emergency reunion, and return of mortal remains |
|Dependent Coverage ||Coverage provided for dependents, scholars, students and exchange participants |
|Optional Add-on Plan ||Additional coverage is available for high school sports, personal liability and legal assistance |
|Hospital Room and Board ||Up to semi-private room rate |
|Hospital Intensive Care ||URC* |
|Physical Therapy ||URC* - 1 visit per day |
|Physician Visit ||URC* |
|Student Health Center ||$5 co-pay per visit |
|Prescription Drugs ||URC* |
|Eligible Medical Expenses ||URC* |
|Emergency Room ||URC* |
|Charges incurred for the use of the Emergency Room due to an accident are covered up to the per injury plan maximum. |
|Emergency Room Illness with In-patient Admission ||URC* |
|Emergency Room Illness without In-patient Admission ||Additional $250 deductible |
|Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital. |
|Emergency Medical Evacuation ||$25,000 Lifetime Maximum |
|Each plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to $25,000. |
|Emergency Reunion ||$5,000 Lifetime Maximum |
|Each plan also provides emergency reunion coverage, up to $5,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured. |
|Return of Mortal Remains ||$7,500 |
|If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $7,500. |
|Political Evacuation ||Up to $10,000 |
Affairs, or similar government agency of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company will pay up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:
- The Insured Person contacts the Company within 10 days of the issuance of the evacuation order by the United States Department of State, Bureau of Consular Affairs, or similar government agency of the Insured Person’s Home Country; and
- The evacuation order pertains to persons from the same Home Country as the Insured Person; and
- Political Evacuation and Repatriation is approved and coordinated by the Company.
In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
|Accidental Death ||$25,000 |
|Dismemberment ||$25,000 two limbs; |
$12,500 one limb
|Terrorism Coverage ||Up to $50,000 Lifetime Maximum |
Each plan provides coverage for injuries and illness incurred as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum. However, claims incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.
Terrorism is defined as the systematic or planned use of violence, fear, or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the 6 months prior to the insured person's date of arrival.
This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person's arrival date, and the insured person unreasonably fails or refuses to depart the country or location.
|Sudden Recurrence of a Pre-existing Condition (U.S. citizens) |
|Medical ||Up to $5,000 of eligible expenses |
|Emergency Medical Evacuation ||Up to $25,000 of eligible costs and expenses |
|Incidental Home Country Coverage ||Up to a cumulative two weeks |
During the Period of Coverage an insured person may return to their home country for incidental visits up to a cumulative two weeks total, subject to:
- The insured person must have left their home country,
- The total Period of Coverage must be for a minimum of 30 days, and
- The return to the home country may not be taken to receive treatment for an illness or injury incurred while traveling.
|Loss/theft of Baggage ||$250 |
|Loss/theft of Valuables ||$250 |
|Loss/theft of Personal Papers ||$250 |
|Legal Assistance |
|Binder Fee ||$500 when served with summons |
|Personal Liability |
|Injury to third party ||$2,000 limit after $100 deductible |
|Damage to third person property ||$500 limit after $100 deductible. Secondary to any other insurance in force |
|Limited High School Sports Coverage ||URC* |
* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.