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.
Recent Blog Articles
Ask the Expat: Philip Wright, Managing Director of IMG’s European Division
Describe your experience as an expatriate.
Philip Wright: I had a different experience as an expat; instead of living in one location for a period of time, I commuted for three years from London to Luxembourg. Many people would say it’s the most challenging type of expat life – having to divide your time between two different places. I was on my own during the week while my family was back home.
What was the biggest challenge you faced as an expat and how did you overcome it?
PW: I’m a reasonably sociable person, but I found it difficult to create relationships with people outside of work. I would travel back home to see my wife and family on the weekends, but, as we all know, the weekends are when you get to know more people and socialize. I missed many opportunities to connect with colleagues and establish meaningful relationships with others in the area.
Another challenge I faced was running out of clothes! This isn’t usually top of mind for expats, but it is a real obstacle, especially if you are commuting between two locations.
How did expat life impact your personal life?
PW: It made me sad to miss the spontaneous social activities with my family. I would miss out on small events (not major ones), but it’s those moments that are sometimes the glue that bonds families and friends.
When I would visit my wife on the weekends, it was challenging to catch up in such a short period of time. We were living separate lives, so when our paths crossed, it was difficult at times. Our communication had to be strong and honest. Apps like Facebook, WhatsApp, Snapchat, Facetime and Instagram made communicating so much easier. I couldn’t imagine being an expat before the Internet.
Do you use the skills you acquired as an expat in your current position?
PW: The company I worked for employed over 100 staff, who spoke several languages. Although English was our business language, it was fascinating to learn how certain words or phrases are used in other languages. For example, the words “should” and “shall” have different meanings across languages. In English, “Shall we go for a drink?” or “Should we go for a drink?” implies a suggestion, but in German, it implies a definitive and clear command.
What advice would you give to others considering becoming an expatriate?
PW: It’s important to be aware of hidden expenses! You should find out what is included in your offer. For example, the company may be paying for your apartment, but what about transportation to and from work? Or international medical insurance? There might be expenses that aren’t covered.
Want to learn more about becoming an expat or browse expatriate insurance options? Visit our Expat Health Insurance Plans page.
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.