Insurance

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

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Travel Medical
Insurance

Temporary coverage for medical expenses & emergency evacuations when traveling outside of your home country.

International Health Insurance

Annually renewable coverage for expats and global citizens living or working internationally for more than one year.

Travel
Insurance

Coverage for trip interruption and cancellation, lost baggage and travel delays.

Enterprise Services

We’re committed to being there for our clients' customers wherever they may be in the world, delivering superior support and assistance in times of need.

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Medical & Travel
Assistance

Services to support travelers in need of medical attention or that have travel assistance needs before, during, and after their trip.

Global Workers' Compensation Case Management

Case management services to manage highly complex workers’ comp cases that require detailed management by medical personnel extending beyond a hospitalization or out-patient procedure.

Security Assistance
Services

Real-time, worldwide security intelligence, advice, and other security services to help travelers avoid danger.

Insurance Administrative
Services

Insurance administrative services to manage all things related to your health care plan needs from enrollment to claim reimbursement.

Claims Center

Claims Fraud Information

Fraud Cases

In an effort to keep costs low for everyone, IMG actively pursues all claims fraud cases. Below is more information on claims fraud and the procedures we have in place to combat this problem.

Definition and Penalty

U.S. Code, Title 18, Ch. 63, Sec 1347 contains a federal statutory definition of health fraud as follows:
Whoever knowingly and willfully executes or attempts to execute a scheme:

  1. to defraud any health care benefit program;

  2. or to obtain, by means of false or fraudulent pretenses, representations, or promises, any of the money or property owned by or under the custody or control of any health care benefit program in connection with the delivery or of payment for health care services, shall be fined under this title or imprisoned not more than 10 years, or both.

Deterring Fraud

The best way to combat health care fraud is to have procedures in place to deter and identify fraud before the dollars are paid out. At IMG, we provide fraud education and training to the claims department. We call the patient to verify treatment when the bills look suspicious. We ask that employers educate their employees to review their bills, ask questions and to carefully review the Explanation of Benefits worksheets. If the patient realizes the treatment never took place, they need to notify IMG immediately.

Billions Lost Each Year

According to the United States General Accounting Office, fraud costs an estimated $110 billion U.S. Dollars annually or as much as 10 cents on every dollar spent on health care.

Reporting Fraud to IMG

Our Fraud Unit is designated for policy holders of IMG Insurance Programs. Please report any fraudulent activity by calling 1-800-628-4664 (001-317-655-4500 outside the United States) or E-mail us here on our website. We allow anonymity to the caller or the person reporting the fraud.