International Health Insurance
International Health Insurance provides long-term coverage to people living or working outside of their home country, typically for one year or longer. These plans are ideal for expats and their families, individuals with dual residences, multinational employers, and more. Being a global citizen can be an exciting experience, yet one that can pose many potential risks. Your health care abroad should not be one of those concerns. IMG offers revolutionary programs that provide the flexible worldwide coverage you need, backed by the world-class services you expect.
IMG's flagship international medical insurance plan, Global Medical Insurance, allows you to custom build a plan that is specifically tailored to you. The program provides comprehensive benefits suitable for individuals and families, provides fully portable 24 hour coverage, and gives you the global piece of mind you are seeking. Additionally, the plan was designed to provide long-term, worldwide medical cover that allows you to receive and continue treatment wherever you choose.
Popular Plans
Ideal for Expats & Global Citizens
Global Medical Insurance
Comprehensive worldwide medical insurance program for individuals and families
Highlights
- Long-term (1+ year) comprehensive 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
Price:
Coverage:
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
Plan Information
| 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 |
| Deductible Carry Forward | Included | Included | Included | Included |
| 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 $500 maximum limit – surgery intervention consultation charges Subject to deductible and coinsurance |
Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental/Nervous | NA | 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) |
NA | NA | NA |
$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 | NA | NA | $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 Coverage | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event | Subject to deductible and coinsurance. 90-day supply per prescription |
International - 100%. Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription |
| Adult Preventative Care (Age 19 or older) | NA | NA | $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) | NA | $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. |
| Healthy Travel Preventative Coverage | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. |
| Vision | Optional Rider | Optional Rider | Optional Rider |
Exams - up to $100 maximum per 24 months. Materials - up to $150 per 24 months. |
|
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 maximum limit. Not subject to deductible or coinsurance. |
Up to maximum limit. Not subject to deductible or coinsurance. |
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance | NA | $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 | Not subject to deductible or coinsurance. U.S. only | Not subject to deductible or coinsurance. U.S. only |
| Political Evacuation and Repatriation | NA | NA | NA | Up to $10,000 lifetime maximum |
| Remote Transportation | NA | NA | NA | $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 | NA | NA | $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 | NA | NA | $100 per period of coverage | 100% |
| Non-Emergency Treatment at a Dental Provider due to an Accident | NA | NA | $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 (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 | NA | NA | $300 of Eligible Medical Expenses following an accident | $500 of Eligible Medical Expenses following an accident |
| 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. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. | $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. | NA |
**If applicants can verify their prior comprehensive 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 comprehensive health plan established or maintained by a State or the U.S. government).
Plan Information (For Bahamas Residents and Citizens Only)
| 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 |
| Deductible Carry Forward | Included | Included | Included | Included |
| 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 |
$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient) $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays |
$70 maximum limit; 25 visit limit – specialists/physician charges $50 maximum limit – chiropractor charges $500 maximum limit – surgery intervention consultation charges $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays |
Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental/Nervous | NA | 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) |
NA | NA | NA |
$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 | NA | NA | $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 Coverage | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event | Subject to deductible and coinsurance. 90-day supply per prescription |
International - 100%. Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription |
| Adult Preventative Care (Age 19 or older) | NA | NA | $250 per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage. | $500 per period of coverage - not subject to deductible or coinsurance . Available after 6 months of continuous coverage. |
| Child Preventative Care (Through age 18) | NA | $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. Available after 12 months of continuous coverage |
$200 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 12 months of continuous coverage. |
$400 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 6 months of continuous coverage. |
| Vision | Optional Rider | Optional Rider | Optional Rider |
Exams - up to $100 maximum per 24 months. Materials - up to $150 per 24 months. |
| Local Ambulance due to Injury or Illness resulting in Hospitalization | $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 maximum limit. Not subject to deductible or coinsurance. |
Up to maximum limit. Not subject to deductible or coinsurance. |
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance | NA | $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 | Not subject to deductible or coinsurance. U.S. only | Not subject to deductible or coinsurance. U.S. only |
| Political Evacuation and Repatriation | NA | NA | NA | Up to $10,000 lifetime maximum |
| Remote Transportation | NA | NA | NA | $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 | NA | NA | $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 | NA | NA | $100 per period of coverage | 100% |
| Non-Emergency Treatment at a Dental Provider due to an Accident | NA | NA | $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 (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 | NA | NA | $300 of Eligible Medical Expenses following an accident | $500 of Eligible Medical Expenses following an accident |
| 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 | NA |
Highlights
- Long-term (1+ year) comprehensive 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
Price:
Coverage:
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
Plan Information
| 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 |
| Deductible Carry Forward | Included | Included | Included | Included |
| 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 $500 maximum limit – surgery intervention consultation charges Subject to deductible and coinsurance |
Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental/Nervous | NA | 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) |
NA | NA | NA |
$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 | NA | NA | $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 Coverage | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event | Subject to deductible and coinsurance. 90-day supply per prescription |
International - 100%. Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription |
| Adult Preventative Care (Age 19 or older) | NA | NA | $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) | NA | $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. |
| Healthy Travel Preventative Coverage | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. |
| Vision | Optional Rider | Optional Rider | Optional Rider |
Exams - up to $100 maximum per 24 months. Materials - up to $150 per 24 months. |
| 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 maximum limit. Not subject to deductible or coinsurance. |
Up to maximum limit. Not subject to deductible or coinsurance. |
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance | NA | $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 | Not subject to deductible or coinsurance. U.S. only | Not subject to deductible or coinsurance. U.S. only |
| Political Evacuation and Repatriation | NA | NA | NA | Up to $10,000 lifetime maximum |
| Remote Transportation | NA | NA | NA | $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 | NA | NA | $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 | NA | NA | $100 per period of coverage | 100% |
| Non-Emergency Treatment at a Dental Provider due to an Accident | NA | NA | $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 (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 | NA | NA | $300 of Eligible Medical Expenses following an accident | $500 of Eligible Medical Expenses following an accident |
| 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. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. | $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. | NA |
Global Crew Medical Insurance
Comprehensive worldwide medical insurance program for marine captains & crew members
Highlights
- Long-term (1+ year) comprehensive worldwide medical insurance for marine captains & crews
- Annually renewable medical coverage
- Deductible options from $0 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
Price:
Coverage:
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
Plan Information
| 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 |
| Deductible Carry Forward | Included | Included | Included | Included |
| 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 $500 maximum limit – surgery intervention consultation charges Subject to deductible and coinsurance |
Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental/Nervous | NA | 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) |
NA | NA | NA |
$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 | NA | NA | $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 Coverage | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event | Subject to deductible and coinsurance. 90-day supply per prescription |
International - 100%. Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription |
| Adult Preventative Care (Age 19 or older) | NA | NA | $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) | NA | $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. |
| Healthy Travel Preventative Coverage | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. | Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. |
| Vision | Optional Rider | Optional Rider | Optional Rider |
Exams - up to $100 maximum per 24 months. Materials - up to $150 per 24 months. |
|
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 maximum limit. Not subject to deductible or coinsurance. |
Up to maximum limit. Not subject to deductible or coinsurance. |
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance | NA | $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 | Not subject to deductible or coinsurance. U.S. only | Not subject to deductible or coinsurance. U.S. only |
| Political Evacuation and Repatriation | NA | NA | NA | Up to $10,000 lifetime maximum |
| Remote Transportation | NA | NA | NA | $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 | NA | NA | $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 | NA | NA | $100 per period of coverage | 100% |
| Non-Emergency Treatment at a Dental Provider due to an Accident | NA | NA | $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 (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 | NA | NA | $300 of Eligible Medical Expenses following an accident | $500 of Eligible Medical Expenses following an accident |
| 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. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. | $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. *Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. | NA |
Plan Information (For Bahamas Residents and Citizens Only)
| 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 |
| Deductible Carry Forward | Included | Included | Included | Included |
| 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 |
$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient) $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays |
$70 maximum limit; 25 visit limit – specialists/physician charges $50 maximum limit – chiropractor charges $500 maximum limit – surgery intervention consultation charges $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays |
Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental/Nervous | NA | 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) |
NA | NA | NA |
$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 | NA | NA | $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 Coverage | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event | Subject to deductible and coinsurance. 90-day supply per prescription |
International - 100%. Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription |
| Adult Preventative Care (Age 19 or older) | NA | NA | $250 per period of coverage - not subject to deductible or coinsurance. Available after 12 months of continuous coverage. | $500 per period of coverage - not subject to deductible or coinsurance . Available after 6 months of continuous coverage. |
| Child Preventative Care (Through age 18) | NA | $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. Available after 12 months of continuous coverage |
$200 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 12 months of continuous coverage. |
$400 maximum per period of coverage - not subject to deductible or coinsurance.
Available after 6 months of continuous coverage. |
| Vision | Optional Rider | Optional Rider | Optional Rider |
Exams - up to $100 maximum per 24 months. Materials - up to $150 per 24 months. |
| Local Ambulance due to Injury or Illness resulting in Hospitalization | $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 maximum limit. Not subject to deductible or coinsurance. |
Up to maximum limit. Not subject to deductible or coinsurance. |
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance | NA | $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 | Not subject to deductible or coinsurance. U.S. only | Not subject to deductible or coinsurance. U.S. only |
| Political Evacuation and Repatriation | NA | NA | NA | Up to $10,000 lifetime maximum |
| Remote Transportation | NA | NA | NA | $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 | NA | NA | $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 | NA | NA | $100 per period of coverage | 100% |
| Non-Emergency Treatment at a Dental Provider due to an Accident | NA | NA | $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 (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 | NA | NA | $300 of Eligible Medical Expenses following an accident | $500 of Eligible Medical Expenses following an accident |
| 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 | NA |
| Amateur Saliboat Racing | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Crew Member Return | $2,500 maximum limit. Not subject to deductible or coinsurance | $2,500 maximum limit. Not subject to deductible or coinsurance | $2,500 maximum limit. Not subject to deductible or coinsurance | $2,500 maximum limit. Not subject to deductible or coinsurance |
Additional International Health Insurance Plans
CrewSelect International
Long-term (1+ year) extensive international medical coverage for professional marine captains and crew members.
The Global Employer's Option - GEO Group
Comprehensive, employer-sponsored group health insurance for internationally assigned employees.
International Marine Medical Insurance
Long-term (1+ year) comprehensive medical coverage for professional marine crew.
MP+ International
Comprehensive worldwide employer-sponsored group health insurance for mission groups.
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.
Disclaimer
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
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