Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Enterprise Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesWhat type of organization do you represent?
Medical & Travel
Assistance
Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.
Global Workers' Compensation Case Management
Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
Security Assistance
Services
Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.
Insurance Administrative
Services
You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.
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 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
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
2018 Expat Health Insurance Brief: Panama
Panama draws expats and retirees from many parts of the globe due to its tropical terrain and international business ties from the Panama Canal.
While the Central American nation has always been known for its travel industry, many do not know that Panama offers some of the best health care services in the region. Specifically, in Panama City, there are four major hospitals all renowned for their service and care. This access to quality health care is yet another reason why expats flock to Panama.
However, before you go ashore, you’ll want to make sure your health insurance is in order.
What Expats Need to Know About Health Insurance in Panama
Expats are not required to have health insurance in Panama, which means you can either pay out of pocket for all services or invest in a private health insurance plan before they leave for Panama. While Panama has been working for the past few years to implement a universal health care system for citizens and permanent residents, the coverage is very basic (if you are even eligible to enroll), so private insurance may be your best option.
Local insurance plans can provide short-term cost savings, but they may come with lower maximum limits and typically only offer coverage inside of Panama. For the true global traveler, or someone looking for additional worldwide coverage when traveling away from home, including emergency evacuation coverage or a higher maximum limit, international health insurance is the best option. Depending on the provider network, an international health insurance plan may also give you access to some of the top facilities in Panama.
4 Health Care Considerations for Expats Moving to Panama
- Health care expenses in Panama are significantly lower than they are in the U.S. Because of this, many expats believe they can get by without an insurance plan and pay out-of-pocket for their health care. This may be true for the short-term, but major procedures could be more than you can afford.
- While the majority of Panama’s hospitals and clinics are located in densely populated cities, the country itself is quite small, so you’re likely only a couple of hours from qualified care.
- Not only is Panama known for its quality health care, but many doctors in private institutions are bilingual (speaking Spanish and English), making it easier for expats to navigate the communication barrier.
- Public hospitals and clinics can be very crowded due to shortages in hospital personnel. Unless you have a plan that allows you to visit private health care facilities, expect long wait times (even if you have an appointment).
Ready to purchase coverage? Get a quote for IMG’s Global Medical Insurance plan.
These materials are for informational purposes only and do not contain legal advice. The laws and regulations regarding healthcare and the need or requirement to have health insurance in foreign countries are diverse and their application to your situation depends upon many facts. You should contact your attorney to obtain legal advice on any particular issue.
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.