International Health Insurance

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Ideal for Expats & Global Citizens

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Global Medical Insurance

Annually renewable worldwide medical insurance program for individuals and families

Highlights

Long-term (1+ year) worldwide medical insurance for individuals and families
Annually renewable medical coverage
Deductible options from $100 to $25,000
Maximum limit options from $1,000,000 to $8,000,000

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Trip Protection

Medical Benefits

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information

**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).

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Global Mission Medical Insurance

Annually renewable worldwide medical insurance program for missionaries

Highlights

Long-term (1+ year) worldwide medical insurance for missionaries
Annually renewable medical coverage
Deductible options from $0 to $25,000
Maximum limit options from $1,000,000 to $8,000,000

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Trip Protection

Medical Benefits

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information

Global Crew Medical Insurance

Annually renewable worldwide medical insurance program for marine captains & crew members

Highlights

Long-term (1+ year) worldwide medical insurance for marine captains & crew members
Annually renewable medical coverage
Deductible options from $100 to $25,000
Maximum limits from $1,000,000 to $8,000,000
Premium modes to schedule the frequency of payment that meets your needs

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Trip Protection

Medical Benefits

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information

Group International Health Insurance Programs

The Global Employer's Option - GEO Group

Employer-sponsored group health insurance for internationally assigned employees.

International Marine Medical Insurance

Long-term (1+ year) medical coverage for professional marine crew.

MP+ International

Worldwide employer-sponsored group health insurance for mission groups.

Recent Blog Articles

How to Choose the Best Travel Medical Insurance Plan

Travel medical insurance may appear overwhelming, but its purpose is simple: travel medical insurance provides coverage for unexpected accidents or illnesses when traveling outside your home country.

Nov 2, 2020

Frequently Asked Questions

Where can I seek medical help?

With an international health plan from IMG, you have medical coverage worldwide. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area.

What is the definition of a "Qualified Expatriate"?

To qualify as an “expatriate health plan,” substantially all of the primary enrollees must be “qualified expatriates.” A “qualified expatriate” is a primary insured meeting all of the following:

Qualified Expatriates in the U.S.:

The individual’s skills, qualification, job duties, or expertise is of a type that has caused the employer to assign him to the U.S. for a specific temporary purpose or assignment tied to employment; and

In connection with such transfer or assignment, the plan sponsor reasonably determines that the individual will require access to health insurance in multiple countries, and is offered other multi-national benefits on a periodic basis (e.g., tax equalization benefits, cross-border moving expenses, compensation to enable the expatriate to return to his home country);

Qualified Expatriates Outside of the U.S.:

The individual is working outside the U.S. for a period of at least 180 days in a consecutive 12-month period that overlaps with the plan year. For purposes of the definition, “U.S.” includes the 50 states, D.C., and Puerto Rico.

There are also special provisions for members 501(c)(3) and 501(c)(4) organizations who are traveling or relocating internationally for the organization, including students and religious missionaries.

Expatriate Health Plans are Minimum Essential Coverage

Expatriate health plans qualify as minimum essential coverage. This means that an expatriate health plan will satisfy the employer mandate and the enrollee’s individual mandate.

Employers are Still Subject to §6055/§6056 Reporting and Cadillac Tax on Certain Expatriates

The exemption from ACA requirements does not apply for the new health information reporting requirements for the beginning of 2016.

However, the information statements (primarily the Forms 1094-C and 1095-C for employers) may be provided electronically to individuals covered under an expatriate health plan even if the individual has not consented to electronic distribution (as long as the individual has not explicitly refused electronic distribution).

Expatriate health plans will be exempt from the §4980I excise tax on high cost employer-sponsored health coverage (generally referred to as the “Cadillac tax”) that is scheduled to take effect in 2018, except for expatriates assigned to work in the U.S.

Effective Date

These provisions related to expatriate health plans apply to expatriate health plans issued or renewed on or after July 1, 2015.

Am I getting the best deal on these plans?

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.

How long does it take to process my application and receive my ID card and other documents?

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.

I am a U.S. Citizen. Am I eligible for your Global Medical Insurance (GMI) plan?

You are eligible for our Global Medical insurance plan if you reside outside of the U.S. or have a good faith intent to reside outside of the U.S. for six months or more in a calendar year. Please note that IMG’s Global Medical Insurance Plan does not meet the definition of “minimum essential coverage” under PPACA. GMI is not intended to provide U.S. citizens residing in the U.S. with health insurance. While your GMI plan for worldwide coverage will not be affected by PPACA, you should review the information below to see if you are exempt from the requirements of PPACA or not, and whether you will have to pay a tax penalty or not. Under PPACA, all U.S. citizens, nationals and resident aliens will be required to purchase minimum essential coverage (PPACA compliant coverage), unless they are exempt. Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. The exemption applies to a U.S. citizen who has a tax home (main place of work or employment, or if you don’t have a main place of work or employment, your main residence) in a foreign country, and is a bona fide resident of a foreign country. See details under the IRS foreign earned income exclusion test. If a person was required to purchase minimum essential coverage and did not, she/he would be required to pay a tax penalty for not purchasing PPACA coverage (if she/he files a U.S. tax return). In many cases, this tax is far less than the premiums that a person would pay for obtaining PPACA coverage.

Benefit	Bronze	Silver	Gold	Platinum
Lifetime Maximum Limit	$1,000,000 per individual	$5,000,000 per individual	$5,000,000 per individual	$8,000,000 per individual
Deductible (Per period of coverage)	$250 to $10,000	$250 to $10,000	$250 to $25,000	$100 to $25,000
Treatment Outside the U.S.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.	50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO Network	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.	Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO Network	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.	Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Coinsurance	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%	International – 100% U.S. in-network – 100% U.S. out-of-network – 80%
Outpatient	$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays $500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient) Subject to deductible and coinsurance	$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays 25 combined maximum visits $70 per visit/examination – specialists/physician charges $50 per visit/examination – chiropractor charges (medical order or treatment plan required) $500 maximum limit – surgery intervention consultation charges Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Mental/Nervous	N/A	Outpatient after 12 months of continuous coverage.	$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.	$50,000 lifetime maximum - Available after 12 months of continuous coverage
Hospital Emergency Room Injury	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Hospital Emergency Room Illness	Subject to deductible and coinsurance. Covered only if admitted as inpatient	Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient	Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient	Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board	Subject to deductible and coinsurance for average semi-private room rate	Subject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximum	Subject to deductible and coinsurance for average semi-private room rate	Subject to deductible and coinsurance for average private room rate
Intensive Care Unit	Subject to deductible and coinsurance	Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event	Subject to deductible and coinsurance	Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy	Subject to deductible and coinsurance. $600 maximum per examination	Subject to deductible and coinsurance. $600 maximum per examination	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Surgery	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Assistant Surgeon	20% of primary surgeon’s charge	20% of primary surgeon’s charge	20% of primary surgeon’s charge	20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance	Subject to deductible and coinsurance
Maternity Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)	N/A	N/A	N/A	$2,500 additional deductible per pregnancy. $50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth. $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth
Podiatry Care	N/A	N/A	$750 maximum limit	$750 maximum limit
Physical Therapy	Subject to deductible and coinsurance. $40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery	Subject to deductible and coinsurance. $40 maximum per visit – 30 visit limit	Subject to deductible and coinsurance. $50 maximum per visit	Subject to deductible and coinsurance. $50 maximum per visit
Transplants	$250,000 lifetime maximum	$250,000 lifetime maximum	$1,000,000 lifetime maximum	$2,000,000 lifetime maximum
Prescription Drugs, Dressings, and Durable Medical Equipment	Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event (includes dressings and durable medical equipment)	Subject to deductible and coinsurance. 90-day supply per prescription following related covered event. U.S. Retail Pharmacy out-of-network: 80% International Retail Phamacy: 100%	Subject to deductible and coinsurance. 90-day supply per prescription. U.S. Retail Pharmacy out-of-network: 80% International Retail Phamacy: 100%	U.S. Retail Pharmacy: prescription drug card required. Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available. International Retail Pharmacy (subject to deductible): 100%
Expatriate Prescription Services Program	N/A	N/A	N/A	Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com Dispensing maximum: 180 days
Orphan or Biologic Drugs (Available when all conditions are met) Approved in writing by company Medically necessary Not experimental or investigational Applies to period of coverage max. Max limit applies towards lifetime max.	Inpatient Treatment maximum limit: $250,000. Outpatient Surgery: up to the maximum limit. Subject to deductible and coinsurance. Does not apply to maximum limit per event	Outpatient and Emergency Department Treatment maximum limit: $250,000. Subject to deductible and coinsurance	Inpatient & Outpatient Treatment maximum limit: $250,000. Subject to deductible and coinsurance	Maximum limit $250,000. U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments. International retail pharmacy: Subject to deductible and coinsurance. Inpatient/outpatient medical treatment: Subject to deductible and coinsurance
Healthy Travel Preventative Coverage	$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination	$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination	$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination	$250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision	Optional Rider	Optional Rider	Optional Rider	$100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission)	$1,500 maximum limit per event - not subject to deductible or coinsurance.	$1,500 maximum limit per event - not subject to deductible or coinsurance.	Subject to deductible and coinsurance	Not subject to deductible and coinsurance
Emergency Evacuation	$50,000 maximum per period of coverage. Not subject to deductible or coinsurance.	$50,000 maximum per period of coverage. Not subject to deductible or coinsurance.	Up to lifetime maximum limit. Not subject to deductible or coinsurance.	Up to lifetime maximum limit. Not subject to deductible or coinsurance.
Emergency Reunion	$10,000 lifetime maximum. Not subject to deductible or coinsurance	N/A	$10,000 lifetime maximum. Not subject to deductible or coinsurance	$10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)	$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only	$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only	Subject to deductible and coinsurance. U.S. only	Not subject to deductible or coinsurance. U.S. only
Political Evacuation and Repatriation	N/A	N/A	N/A	$10,000 lifetime maximum
Remote Transportation	N/A	N/A	N/A	$5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance
Return of Mortal Remains	$10,000 lifetime maximum - not subject to deductible or coinsurance.	$25,000 lifetime maximum - not subject to deductible or coinsurance.	$25,000 lifetime maximum - not subject to deductible or coinsurance.	$50,000 lifetime maximum - not subject to deductible or coinsurance.
Complementary Medicine	N/A	N/A	$500 maximum limit per period of coverage	$500 maximum limit per period of coverage
Traumatic Dental Injury Treatment at a hospital facility	$1,000 per period of coverage	$1,000 per period of coverage	Up to the lifetime maximum limit	Up to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth	N/A	N/A	$100 per period of coverage	100%
Non-Emergency Treatment at a Dental Provider due to an Accident	N/A	N/A	$500 per period of coverage	See Non-Emergency Dental benefit
Non-emergency Dental	Optional Rider	Optional Rider	Optional Rider	$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity (Inpatient hospitalization outside the U.S. only)	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.	Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident	N/A	N/A	$300 of Eligible Medical Expenses following an accident. Not subject to deductible or coinsurance	$500 of Eligible Medical Expenses following an accident. Not subject to deductible or coinsurance
Adult Preventative Care (Age 19 or older)	N/A	N/A	$250 per period of coverage. Not subject to deductible or coinsurance	$500 per period of coverage. Not subject to deductible or coinsurance
Child Preventative Care (Through age 18)	N/A	$70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance.	$200 maximum per period of coverage. Not subject to deductible or coinsurance.	$400 maximum per period of coverage. Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation**	Excluded	$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.**	$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.**	Covered if disclosed and not excluded by rider

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International Health Insurance

Popular Plans Ideal for Expats & Global Citizens

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