International Marine Medical Insurance

Exclusions and Limitations

The following is a summary of some of the items that are excluded from coverage* under IMMI.

  • Pre-existing conditions* „„ 
  • Treatment, services or supplies that are not administered or ordered by a licensed physician „„ 
  • Treatment, services, or supplies that are not medically necessary „„ 
  • Charges that exceed Usual, Reasonable and Customary charges „„ 
  • Surgeries or treatments that are investigational, experimental or for research purposes „„ 
  • Confinement primarily for custodial, educational or rehabilitative care „„ 
  • Weight modification or treatment for obesity „„ 
  • Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery „„ 
  • Treatment for a person who was HIV+ prior to the person’s effective date „„ 
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization „„ 
  • Hearing aids „„ 
  • TMJ dysfunction „„ 
  • Injury sustained from Hazardous Sports activities „„ 
  • Injury sustained while under the influence of alcohol or drugs „„ 
  • Self-inflicted injury or illness „„ 
  • Charges resulting from or during the commission of a crime or felony „„ 
  • Speech, vocational, occupational, biofeedback, recreational, sleep or music therapy „„ 
  • Services or supplies performed or provided by a relative „„ 
  • Corrective eye surgery „„ 
  • Certain care, treatment or supplies for the feet „„ 
  • Care and treatment for hair loss „„ 
  • Exercise programs „„ 
  • Congenital disorders „„ 
  • Genetic testing or treatment „„ 
  • War and Terrorism
  • Charges for treatment of an injury which occurs during work at any job for pay or profit, except for work performed for the insured vessel

*Pre-existing conditions are Any Injury, Illness, sickness, disease, medical or health condition (whether physical or mental and regardless of the cause of the condition) for which medical advice, diagnosis, care or Treatment was recommended or received during the three (3) month period ending on the Enrollment Date.

* 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.