Global Medical Insurance
Comprehensive worldwide medical insurance program for individuals and families
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
**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).
$50,000 lifetime maximum for Eligible Medical Expenses arising out of Injury or Illness incurred by the Insured as a result of or in connection with an act of terrorism. (Refer to rider for more details)
Gold and Platinum plan options
(Refer to rider for a comprehensive list of sports excluded)
$10,000 lifetime maximum for amateur athletics
Through age 49 years: $50,000 lifetime maximum
Age 50 years through age 59 years: $30,000 lifetime maximum
Age 60 years through age 64 years: $15,000 lifetime maximum
Global Term Life Insurance
|31 days - 18||$5,000|
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
Bronze, Silver and Gold plan options
- $750 calendar maximum
- $50 deductible (max. 2 per family)
- Class I - 90% (deductible is waived),
- Class II - 70%, Class III - 50%
- 6 month waiting period
- Exams - up to $100
- per 24 months
- Materials - up to $150
- per 24 months
Accidental Death & Dismemberment
|Accidental Loss of Life||Principal Sum*|
|Accidental Total Loss of 2 Members**||Principal Sum*|
|Accidental Total Loss of 1 Members**||50% of Principal Sum*|
*Benefit based on age at time of death.
**"Member" means hand, foot or eye.