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
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Global Mission Medical Insurance

Comprehensive worldwide medical insurance program for missionaries

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
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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 
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Additional International Health Insurance Plans

 

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Recent Blog Articles

2018 Expat Health Insurance Brief: Panama

Jan 31, 2018, 12:01 PM by User Not Found

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


  1. 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.
  2. 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.
  3. 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.
  4. 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.

Frequently Asked Questions

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.