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.
Long-term (1+ year) extensive international medical coverage for professional marine captains and crew members.
Comprehensive, employer-sponsored group health insurance for internationally assigned employees.
Long-term (1+ year) comprehensive medical coverage for professional marine crew.
Comprehensive worldwide employer-sponsored group health insurance for mission groups.
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Understanding International Student Health Insurance
International student health insurance provides coverage in the event of an injury, illness or other medical emergency while away from home.
Student health insurance plans are specially designed to cover:
- Scholars and educators
- International students
- Cultural exchange participants
- Students studying abroad
- Dependents or spouses of program participants
Most plans are available on a monthly basis and are annually renewable, allowing for students to maintain coverage for the duration of their program.
International Medical Group® (IMG®) offers this type of health insurance for international students. Coverage includes everything from pharmacy discounts, $5 student center co-pays, and the freedom to seek treatment with the facility of the student’s choice.
For international scholars, coverage is not only a priority for peace of mind, but it is also required by most universities or colleges.
Is Your Group or Sponsored Plan The Best Option?
The excitement of studying internationally can sometimes overshadow one key step in the planning process: researching other options for international student health insurance.
It can be easy to simply enroll in the university-sponsored plan, but doing so could mean higher costs and potentially less coverage. For example, school plans may offer limited benefits for pre-existing conditions or a longer waiting period before they become eligible for these benefits.
International students who desire more comprehensive coverage or a less expensive plan — or in some cases, both — should consider purchasing their own health insurance.
For additional information on insurance plans and the importance of your health insurance while studying internationally, check out our International Student Insurance Infographic!
When (And How) to Submit a Waiver for University-Sponsored Insurance
In general, schools allow waivers for students who can provide proof of their coverage, along with documentation and contact information for the insurance provider. In many cases, they must purchase coverage that meets or exceeds the school’s requirements.
It’s important to complete and submit the waiver before the school’s posted deadlines to avoid denials or delays.
In most cases, purchasing health insurance for international students provides excellent coverage at a better value than a university-sponsored policy. By being aware of their options and the steps needed to opt out of school’s coverage, international students can make better decisions for their health and wellness.
Frequently Asked Questions
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.