Insurance

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

Find Your Plan

Travel Medical
Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

International Health Insurance

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel
Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

Show Services

Medical & Travel
Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance
Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

Insurance Administrative
Services

You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

Claims Center

Claims Filing Information

Direct Payment to Providers

In many cases IMG works directly with the hospital or clinic, including those outside our independent Preferred Provider Organization, for payment of eligible medical expenses. To file a claim, complete the Claim Form and submit it with original itemized bills. In this case, you will be responsible for your deductible, coinsurance amounts and non-eligible expenses. You can also use IMG Interactive Claim Form (146 kb). Adobe Reader is required to use the interactive form.

Frequently Asked Questions

How long will it take to process a claim?

Complete Proof of Claim must be received by IMG prior to making any benefit determinations. Proof of Claim is defined within your plan or Certificate of Insurance. Once all information is received, then claims are promptly processed in accordance with industry standards. However, when additional information is required to complete the Proof of Claim, processing will be delayed. The insured will receive an Explanation of Benefits indicating what is needed for further consideration. Failure to comply may result in the insured's claim being closed for lack of response.

Where do I mail my claim?

International Medical Group, Inc.
Attn: Claims Department
PO Box 9162
Farmington Hills, MI 48333

What can I do if I disagree with a benefit determination made by IMG?

A written formal claims appeal may be sent to IMG requesting a review of previously processed claims.  It is important that you submit your appeal and any supporting documentation within sixty (60) days of the original claims determination.  Your appeal will be reviewed and promptly responded to in accordance to your particular insurance plan or certificate.  Claim appeals should be forwarded to: 

International Medical Group
Attn: Claims Appeals
PO Box 9162
Farmington Hills, MI 48333

Am I required to complete an IMG Claim Form every time I go to the doctor?

The Claims department encourages all insureds to complete a Claim Form for each new onset of an illness or injury.  This process gives IMG knowledge that you are receiving medical treatment and allows us to watch for appropriate billing to be filed on your behalf.  If you fail to submit a Claim Form and additional information is requested, IMG will contact you with an Explanation of Benefits and attach a Claim Form if one is required.

Reimbursement

If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days. We will reimburse your eligible medical expenses after applying the deductible and coinsurance.

Please remember to submit your bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.

Online Claims

Log onto MyIMG℠ to submit claims using our online claims form.

You may also use the following address to send any information to our Claims department.

International Medical Group
Claims Department
PO Box 9162
Farmington Hills, MI 48333