International Marine Medical Insurance

Schedule of Benefits

All amounts shown are in U.S. dollars. Click the orange headers for further information.

MEDICAL BENEFITS Usual reasonable and customary charges, subject to deductible and coinsurance
Coverage Area Worldwide, 24 hours per day
Policy Maximum $1,000,000 per insured per certificate period
Hospitalization Average semi-private room rate
Intensive Care Unit URC
Surgery URC
Outpatient Care URC
Supplemental Accident Benefit $300 per covered accident, before application of deductible and coinsurance
Mental and Nervous Care $20,000 lifetime maximum after 12 months of continuous coverage
Maternity and Newborn Care Up to the policy maximum after 10 months of continuous coverage
Transplants Up to a lifetime maximum of $1,000,000
Emergency Medical Evacuation Up to a lifetime maximum of $1,000,000-must be approved and coordinated in advance by IMG
Repatriation of Mortal Remains Up to $25,000 - must be approved and coordinated in advance by IMG
Chiropractic Care URC
Wellness Care Up to $250 per calendar, not subject to deductible or coinsurance
SCUBA Coverage URC
Physical Therapy Up to $50 per visit, per charge
Amateur Sailboat Racing Coverage $10,000 per policy period, $50,000 lifetime maximum with a benefit specific deductible of $2,500 per calendar year

* 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.