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Global Medical Insurance

Feb 16, 2017, 14:18 PM
Title : Global Medical Insurance
Subtitle : Annually renewable worldwide medical insurance program for individuals and families
Short Title :
Other plans summary : A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.
Plan type class : plan_type__international_health plan_type__expat
Hero quote 1 text :
Hero quote 2 text :
Quote button 1 text : Get Quote
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Most popular : No
Recommended : Yes
Medical Coverage - not used : 4
Ranking - Price - Not Used : 3
Sort order : 20

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With Global Medical Insurance, a revolutionary program from IMG® (International Medical Group®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

Global Medical Insurance allows you to choose from several plan options, customize your length and area of coverage and select from multiple deductibles and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

With IMG, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. We also offer a cash incentive and waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

You need the proper worldwide coverage, provided by a company that’s there for you when you need us most. When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

Highlights

  • Long-term (1+ year) 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

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information
 
BenefitBronzeSilverGoldPlatinum
Lifetime Maximum Limit$1,000,000 per individual$5,000,000 per individual$5,000,000 per individual$8,000,000 per individual
Deductible (Per period of coverage)$250 to $10,000$250 to $10,000$250 to $25,000$100 to $25,000
Treatment Outside the U.S.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO NetworkSubject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO NetworkSubject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
CoinsuranceInternational – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
Outpatient

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges (medical order or treatment plan required)
$500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Mental/Nervous N/AOutpatient after 12 months of continuous coverage.$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.$50,000 lifetime maximum
Hospital Emergency Room Injury Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Hospital Emergency Room IllnessSubject to deductible and coinsurance. Covered only if admitted as inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximumSubject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average private room rate
Intensive Care Unit Subject to deductible and coinsurance

Subject to deductible and coinsurance.

$1,500 limit per day – 180 days of coverage per event

Subject to deductible and coinsuranceSubject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Surgery Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Assistant Surgeon20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge
Chemotherapy or Radiation TherapySubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Maternity
Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 or 24 months of continuous coverage based on Underwriting review of the Insured Person’s Application) 		N/AN/AN/A

$2,500 additional deductible per pregnancy.

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

Podiatry CareN/AN/A$750 maximum limit$750 maximum limit
Physical Therapy

Subject to deductible and coinsurance.

$40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery

Subject to deductible and coinsurance.

$40 maximum per visit – 30 visit limit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

$50 maximum per visit

Transplants $250,000 lifetime maximum$250,000 lifetime maximum$1,000,000 lifetime maximum$2,000,000 lifetime maximum
Prescription Drugs, Dressings, and Durable Medical Equipment

Subject to deductible and coinsurance.

Available for 90 days following related inpatient treatment or outpatient surgery.

$600 outpatient maximum limit per event
(includes dressings and durable medical equipment)

Subject to deductible and coinsurance.

90-day supply per prescription following related covered event.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

Subject to deductible and coinsurance.

90-day supply per prescription.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

U.S. Retail Pharmacy: prescription drug card required.

Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available.

International Retail Pharmacy (subject to deductible): 100%

Expatriate Prescription Services ProgramN/AN/AN/A

Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com

Dispensing maximum: 180 days

Orphan or Biologic Drugs
(Available when all conditions are met)
  • Approved in writing by company
  • Medically necessary
  • Not experimental or investigational
Applies to period of coverage max. Max limit applies towards lifetime max.

Inpatient Treatment maximum limit: $250,000.

Outpatient Surgery: up to the maximum limit.

Subject to deductible and coinsurance.

Does not apply to maximum limit per event

Outpatient and Emergency Department Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Inpatient & Outpatient Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Maximum limit $250,000.

U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.

International retail pharmacy: Subject to deductible and coinsurance.

Inpatient/outpatient medical treatment: Subject to deductible and coinsurance

Healthy Travel Preventative Coverage$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision Optional RiderOptional RiderOptional Rider$100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) 		$1,500 maximum limit per event - not subject to deductible or coinsurance.$1,500 maximum limit per event - not subject to deductible or coinsurance.Subject to deductible and coinsuranceNot subject to deductible and coinsurance
Emergency Evacuation $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion $10,000 lifetime maximum. Not subject to deductible or coinsuranceN/A$10,000 lifetime maximum. Not subject to deductible or coinsurance$10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		Subject to deductible and coinsurance.
U.S. only 		Not subject to deductible or coinsurance.
U.S. only
Political Evacuation and Repatriation N/A N/A N/A $10,000 lifetime maximum
Remote Transportation N/A N/A N/A $5,000 per period of coverage up to $20,000 lifetime maximum.
Not subject to deductible or coinsurance
Return of Mortal Remains $25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$50,000 lifetime maximum - not subject to deductible or coinsurance.
Complementary Medicine N/AN/A$500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury
Treatment at a hospital facility		$1,000 per period of coverage$1,000 per period of coverageUp to the lifetime maximum limitUp to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural TeethN/A N/A $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an AccidentN/A N/A $500 per period of coverageSee Non-Emergency Dental benefit
Non-emergency Dental Optional RiderOptional RiderOptional Rider$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity
(Inpatient hospitalization outside the U.S. only) 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident N/AN/A$300 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance 		$500 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance
Adult Preventative Care
(Age 19 or older)		N/AN/A$250 per period of coverage.
Not subject to deductible or coinsurance 		$500 per period of coverage.
Not subject to deductible or coinsurance
Child Preventative Care
(Through age 18) 		N/A$70 maximum per visit, 3 visit limit per period of coverage.
Not subject to deductible or coinsurance.		$200 maximum per period of coverage.
Not subject to deductible or coinsurance.		$400 maximum per period of coverage.
Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation**Excluded$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** Covered if disclosed and not excluded by rider
Teleconsultation*N/AN/AYesYes
Remote Mental Health ServiceN/AN/AN/AYes
Travel Intelligence PortalYesYesYesYes

*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.

**If applicants can verify their prior 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 health plan established or maintained by a State or the U.S. government).

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Global Medical Insurance

Feb 16, 2017, 14:18 PM
Title : Global Medical Insurance
Subtitle : Annually renewable worldwide medical insurance program for individuals and families
Short Title :
Other plans summary : A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.
Plan type class : plan_type__international_health plan_type__expat
Hero quote 1 text :
Hero quote 2 text :
Quote button 1 text : Get Quote
Quote button 2 text :
Quote button 3 text :
Quote button 4 text :
Most popular : No
Recommended : Yes
Medical Coverage - not used : 4
Ranking - Price - Not Used : 3
Sort order : 20

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With Global Medical Insurance, a revolutionary program from IMG® (International Medical Group®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

Global Medical Insurance allows you to choose from several plan options, customize your length and area of coverage and select from multiple deductibles and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

With IMG, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. We also offer a cash incentive and waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

You need the proper worldwide coverage, provided by a company that’s there for you when you need us most. When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

Highlights

  • Long-term (1+ year) 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

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information
 
BenefitBronzeSilverGoldPlatinum
Lifetime Maximum Limit$1,000,000 per individual$5,000,000 per individual$5,000,000 per individual$8,000,000 per individual
Deductible (Per period of coverage)$250 to $10,000$250 to $10,000$250 to $25,000$100 to $25,000
Treatment Outside the U.S.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO NetworkSubject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO NetworkSubject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
CoinsuranceInternational – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
Outpatient

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges (medical order or treatment plan required)
$500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Mental/Nervous N/AOutpatient after 12 months of continuous coverage.$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.$50,000 lifetime maximum
Hospital Emergency Room Injury Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Hospital Emergency Room IllnessSubject to deductible and coinsurance. Covered only if admitted as inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximumSubject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average private room rate
Intensive Care Unit Subject to deductible and coinsurance

Subject to deductible and coinsurance.

$1,500 limit per day – 180 days of coverage per event

Subject to deductible and coinsuranceSubject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Surgery Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Assistant Surgeon20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge
Chemotherapy or Radiation TherapySubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Maternity
Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 or 24 months of continuous coverage based on Underwriting review of the Insured Person’s Application) 		N/AN/AN/A

$2,500 additional deductible per pregnancy.

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

Podiatry CareN/AN/A$750 maximum limit$750 maximum limit
Physical Therapy

Subject to deductible and coinsurance.

$40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery

Subject to deductible and coinsurance.

$40 maximum per visit – 30 visit limit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

$50 maximum per visit

Transplants $250,000 lifetime maximum$250,000 lifetime maximum$1,000,000 lifetime maximum$2,000,000 lifetime maximum
Prescription Drugs, Dressings, and Durable Medical Equipment

Subject to deductible and coinsurance.

Available for 90 days following related inpatient treatment or outpatient surgery.

$600 outpatient maximum limit per event
(includes dressings and durable medical equipment)

Subject to deductible and coinsurance.

90-day supply per prescription following related covered event.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

Subject to deductible and coinsurance.

90-day supply per prescription.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

U.S. Retail Pharmacy: prescription drug card required.

Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available.

International Retail Pharmacy (subject to deductible): 100%

Expatriate Prescription Services ProgramN/AN/AN/A

Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com

Dispensing maximum: 180 days

Orphan or Biologic Drugs
(Available when all conditions are met)
  • Approved in writing by company
  • Medically necessary
  • Not experimental or investigational
Applies to period of coverage max. Max limit applies towards lifetime max.

Inpatient Treatment maximum limit: $250,000.

Outpatient Surgery: up to the maximum limit.

Subject to deductible and coinsurance.

Does not apply to maximum limit per event

Outpatient and Emergency Department Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Inpatient & Outpatient Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Maximum limit $250,000.

U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.

International retail pharmacy: Subject to deductible and coinsurance.

Inpatient/outpatient medical treatment: Subject to deductible and coinsurance

Healthy Travel Preventative Coverage$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision Optional RiderOptional RiderOptional Rider$100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) 		$1,500 maximum limit per event - not subject to deductible or coinsurance.$1,500 maximum limit per event - not subject to deductible or coinsurance.Subject to deductible and coinsuranceNot subject to deductible and coinsurance
Emergency Evacuation $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion $10,000 lifetime maximum. Not subject to deductible or coinsuranceN/A$10,000 lifetime maximum. Not subject to deductible or coinsurance$10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		Subject to deductible and coinsurance.
U.S. only 		Not subject to deductible or coinsurance.
U.S. only
Political Evacuation and Repatriation N/A N/A N/A $10,000 lifetime maximum
Remote Transportation N/A N/A N/A $5,000 per period of coverage up to $20,000 lifetime maximum.
Not subject to deductible or coinsurance
Return of Mortal Remains $25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$50,000 lifetime maximum - not subject to deductible or coinsurance.
Complementary Medicine N/AN/A$500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury
Treatment at a hospital facility		$1,000 per period of coverage$1,000 per period of coverageUp to the lifetime maximum limitUp to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural TeethN/A N/A $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an AccidentN/A N/A $500 per period of coverageSee Non-Emergency Dental benefit
Non-emergency Dental Optional RiderOptional RiderOptional Rider$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity
(Inpatient hospitalization outside the U.S. only) 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident N/AN/A$300 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance 		$500 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance
Adult Preventative Care
(Age 19 or older)		N/AN/A$250 per period of coverage.
Not subject to deductible or coinsurance 		$500 per period of coverage.
Not subject to deductible or coinsurance
Child Preventative Care
(Through age 18) 		N/A$70 maximum per visit, 3 visit limit per period of coverage.
Not subject to deductible or coinsurance.		$200 maximum per period of coverage.
Not subject to deductible or coinsurance.		$400 maximum per period of coverage.
Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation**Excluded$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** Covered if disclosed and not excluded by rider
Teleconsultation*N/AN/AYesYes
Remote Mental Health ServiceN/AN/AN/AYes
Travel Intelligence PortalYesYesYesYes

*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.

**If applicants can verify their prior 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 health plan established or maintained by a State or the U.S. government).

Made for...

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  • Expats / Global Citizens
personas :
  • Expat
  • Visitor
Tags :
  • Global Medical
Categories :
  • Expat / Global Citizen
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  • Visitor / Immigrant
Global Medical Insurance Brochure
Related pages : Global Medical Quote
Group Quote :
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Global Medical Insurance

Feb 16, 2017, 14:18 PM
Title : Global Medical Insurance
Subtitle : Annually renewable worldwide medical insurance program for individuals and families
Short Title :
Other plans summary : A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.
Plan type class : plan_type__international_health plan_type__expat
Hero quote 1 text :
Hero quote 2 text :
Quote button 1 text : Get Quote
Quote button 2 text :
Quote button 3 text :
Quote button 4 text :
Most popular : No
Recommended : Yes
Medical Coverage - not used : 4
Ranking - Price - Not Used : 3
Sort order : 20

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With Global Medical Insurance, a revolutionary program from IMG® (International Medical Group®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

Global Medical Insurance allows you to choose from several plan options, customize your length and area of coverage and select from multiple deductibles and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

With IMG, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. We also offer a cash incentive and waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

You need the proper worldwide coverage, provided by a company that’s there for you when you need us most. When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

Highlights

  • Long-term (1+ year) 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

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information
 
BenefitBronzeSilverGoldPlatinum
Lifetime Maximum Limit$1,000,000 per individual$5,000,000 per individual$5,000,000 per individual$8,000,000 per individual
Deductible (Per period of coverage)$250 to $10,000$250 to $10,000$250 to $25,000$100 to $25,000
Treatment Outside the U.S.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO NetworkSubject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO NetworkSubject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
CoinsuranceInternational – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
Outpatient

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges (medical order or treatment plan required)
$500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Mental/Nervous N/AOutpatient after 12 months of continuous coverage.$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.$50,000 lifetime maximum
Hospital Emergency Room Injury Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Hospital Emergency Room IllnessSubject to deductible and coinsurance. Covered only if admitted as inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximumSubject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average private room rate
Intensive Care Unit Subject to deductible and coinsurance

Subject to deductible and coinsurance.

$1,500 limit per day – 180 days of coverage per event

Subject to deductible and coinsuranceSubject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Surgery Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Assistant Surgeon20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge
Chemotherapy or Radiation TherapySubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Maternity
Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 or 24 months of continuous coverage based on Underwriting review of the Insured Person’s Application) 		N/AN/AN/A

$2,500 additional deductible per pregnancy.

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

Podiatry CareN/AN/A$750 maximum limit$750 maximum limit
Physical Therapy

Subject to deductible and coinsurance.

$40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery

Subject to deductible and coinsurance.

$40 maximum per visit – 30 visit limit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

$50 maximum per visit

Transplants $250,000 lifetime maximum$250,000 lifetime maximum$1,000,000 lifetime maximum$2,000,000 lifetime maximum
Prescription Drugs, Dressings, and Durable Medical Equipment

Subject to deductible and coinsurance.

Available for 90 days following related inpatient treatment or outpatient surgery.

$600 outpatient maximum limit per event
(includes dressings and durable medical equipment)

Subject to deductible and coinsurance.

90-day supply per prescription following related covered event.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

Subject to deductible and coinsurance.

90-day supply per prescription.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

U.S. Retail Pharmacy: prescription drug card required.

Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available.

International Retail Pharmacy (subject to deductible): 100%

Expatriate Prescription Services ProgramN/AN/AN/A

Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com

Dispensing maximum: 180 days

Orphan or Biologic Drugs
(Available when all conditions are met)
  • Approved in writing by company
  • Medically necessary
  • Not experimental or investigational
Applies to period of coverage max. Max limit applies towards lifetime max.

Inpatient Treatment maximum limit: $250,000.

Outpatient Surgery: up to the maximum limit.

Subject to deductible and coinsurance.

Does not apply to maximum limit per event

Outpatient and Emergency Department Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Inpatient & Outpatient Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Maximum limit $250,000.

U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.

International retail pharmacy: Subject to deductible and coinsurance.

Inpatient/outpatient medical treatment: Subject to deductible and coinsurance

Healthy Travel Preventative Coverage$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision Optional RiderOptional RiderOptional Rider$100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) 		$1,500 maximum limit per event - not subject to deductible or coinsurance.$1,500 maximum limit per event - not subject to deductible or coinsurance.Subject to deductible and coinsuranceNot subject to deductible and coinsurance
Emergency Evacuation $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion $10,000 lifetime maximum. Not subject to deductible or coinsuranceN/A$10,000 lifetime maximum. Not subject to deductible or coinsurance$10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		Subject to deductible and coinsurance.
U.S. only 		Not subject to deductible or coinsurance.
U.S. only
Political Evacuation and Repatriation N/A N/A N/A $10,000 lifetime maximum
Remote Transportation N/A N/A N/A $5,000 per period of coverage up to $20,000 lifetime maximum.
Not subject to deductible or coinsurance
Return of Mortal Remains $25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$50,000 lifetime maximum - not subject to deductible or coinsurance.
Complementary Medicine N/AN/A$500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury
Treatment at a hospital facility		$1,000 per period of coverage$1,000 per period of coverageUp to the lifetime maximum limitUp to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural TeethN/A N/A $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an AccidentN/A N/A $500 per period of coverageSee Non-Emergency Dental benefit
Non-emergency Dental Optional RiderOptional RiderOptional Rider$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity
(Inpatient hospitalization outside the U.S. only) 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident N/AN/A$300 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance 		$500 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance
Adult Preventative Care
(Age 19 or older)		N/AN/A$250 per period of coverage.
Not subject to deductible or coinsurance 		$500 per period of coverage.
Not subject to deductible or coinsurance
Child Preventative Care
(Through age 18) 		N/A$70 maximum per visit, 3 visit limit per period of coverage.
Not subject to deductible or coinsurance.		$200 maximum per period of coverage.
Not subject to deductible or coinsurance.		$400 maximum per period of coverage.
Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation**Excluded$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** Covered if disclosed and not excluded by rider
Teleconsultation*N/AN/AYesYes
Remote Mental Health ServiceN/AN/AN/AYes
Travel Intelligence PortalYesYesYesYes

*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.

**If applicants can verify their prior 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 health plan established or maintained by a State or the U.S. government).

Made for...

  • Visitors / Immigrants
  • Expats / Global Citizens
personas :
  • Expat
  • Visitor
Tags :
  • Global Medical
Categories :
  • Expat / Global Citizen
  • International Health Insurance
  • Visitor / Immigrant
Global Medical Insurance Brochure
Related pages : Global Medical Quote
Group Quote :
Platinum Quote :
Platinum Group Quote :
Product Overview Page : Global Medical Insurance
Breadcrumb Page :
Policy Wording :
Policy Wording 2 :
Policy Wording 3 :
Policy Wording 4 :

Global Medical Insurance

Feb 16, 2017, 14:18 PM
Title : Global Medical Insurance
Subtitle : Annually renewable worldwide medical insurance program for individuals and families
Short Title :
Other plans summary : A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.
Plan type class : plan_type__international_health plan_type__expat
Hero quote 1 text :
Hero quote 2 text :
Quote button 1 text : Get Quote
Quote button 2 text :
Quote button 3 text :
Quote button 4 text :
Most popular : No
Recommended : Yes
Medical Coverage - not used : 4
Ranking - Price - Not Used : 3
Sort order : 20

A long-term (1+ year), annually renewable, worldwide medical insurance program for individuals and families.

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With Global Medical Insurance, a revolutionary program from IMG® (International Medical Group®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

Global Medical Insurance allows you to choose from several plan options, customize your length and area of coverage and select from multiple deductibles and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

With IMG, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. We also offer a cash incentive and waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

You need the proper worldwide coverage, provided by a company that’s there for you when you need us most. When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

Highlights

  • Long-term (1+ year) 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

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

Plan Information
 
BenefitBronzeSilverGoldPlatinum
Lifetime Maximum Limit$1,000,000 per individual$5,000,000 per individual$5,000,000 per individual$8,000,000 per individual
Deductible (Per period of coverage)$250 to $10,000$250 to $10,000$250 to $25,000$100 to $25,000
Treatment Outside the U.S.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. - PPO NetworkSubject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.Subject to deductible. No coinsurance.
Treatment inside the U.S. - Non-PPO NetworkSubject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
CoinsuranceInternational – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80% 		International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
Outpatient

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges (medical order or treatment plan required)
$500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Mental/Nervous N/AOutpatient after 12 months of continuous coverage.$10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.$50,000 lifetime maximum
Hospital Emergency Room Injury Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Hospital Emergency Room IllnessSubject to deductible and coinsurance. Covered only if admitted as inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximumSubject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average private room rate
Intensive Care Unit Subject to deductible and coinsurance

Subject to deductible and coinsurance.

$1,500 limit per day – 180 days of coverage per event

Subject to deductible and coinsuranceSubject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsuranceSubject to deductible and coinsurance
Surgery Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Assistant Surgeon20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge20% of primary surgeon’s charge
Chemotherapy or Radiation TherapySubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsurance
Maternity
Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 or 24 months of continuous coverage based on Underwriting review of the Insured Person’s Application) 		N/AN/AN/A

$2,500 additional deductible per pregnancy.

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

Podiatry CareN/AN/A$750 maximum limit$750 maximum limit
Physical Therapy

Subject to deductible and coinsurance.

$40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery

Subject to deductible and coinsurance.

$40 maximum per visit – 30 visit limit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

$50 maximum per visit

Transplants $250,000 lifetime maximum$250,000 lifetime maximum$1,000,000 lifetime maximum$2,000,000 lifetime maximum
Prescription Drugs, Dressings, and Durable Medical Equipment

Subject to deductible and coinsurance.

Available for 90 days following related inpatient treatment or outpatient surgery.

$600 outpatient maximum limit per event
(includes dressings and durable medical equipment)

Subject to deductible and coinsurance.

90-day supply per prescription following related covered event.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

Subject to deductible and coinsurance.

90-day supply per prescription.

U.S. Retail Pharmacy
out-of-network: 80%
International Retail Phamacy: 100%

U.S. Retail Pharmacy: prescription drug card required.

Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available.

International Retail Pharmacy (subject to deductible): 100%

Expatriate Prescription Services ProgramN/AN/AN/A

Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com

Dispensing maximum: 180 days

Orphan or Biologic Drugs
(Available when all conditions are met)
  • Approved in writing by company
  • Medically necessary
  • Not experimental or investigational
Applies to period of coverage max. Max limit applies towards lifetime max.

Inpatient Treatment maximum limit: $250,000.

Outpatient Surgery: up to the maximum limit.

Subject to deductible and coinsurance.

Does not apply to maximum limit per event

Outpatient and Emergency Department Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Inpatient & Outpatient Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Maximum limit $250,000.

U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.

International retail pharmacy: Subject to deductible and coinsurance.

Inpatient/outpatient medical treatment: Subject to deductible and coinsurance

Healthy Travel Preventative Coverage$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination 		$250 lifetime maximum.
Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination
Vision Optional RiderOptional RiderOptional Rider$100 maximum per 24 months for exams. $150 per 24 months for materials
Emergency Local Ambulance
(Injury or illness resulting in an inpatient hospital admission) 		$1,500 maximum limit per event - not subject to deductible or coinsurance.$1,500 maximum limit per event - not subject to deductible or coinsurance.Subject to deductible and coinsuranceNot subject to deductible and coinsurance
Emergency Evacuation $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance. 		Up to lifetime maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion $10,000 lifetime maximum. Not subject to deductible or coinsuranceN/A$10,000 lifetime maximum. Not subject to deductible or coinsurance$10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility)$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		$1,500 maximum limit per event.
Not subject to deductible or coinsurance. U.S. only		Subject to deductible and coinsurance.
U.S. only 		Not subject to deductible or coinsurance.
U.S. only
Political Evacuation and Repatriation N/A N/A N/A $10,000 lifetime maximum
Remote Transportation N/A N/A N/A $5,000 per period of coverage up to $20,000 lifetime maximum.
Not subject to deductible or coinsurance
Return of Mortal Remains $25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$25,000 lifetime maximum - not subject to deductible or coinsurance.$50,000 lifetime maximum - not subject to deductible or coinsurance.
Complementary Medicine N/AN/A$500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury
Treatment at a hospital facility		$1,000 per period of coverage$1,000 per period of coverageUp to the lifetime maximum limitUp to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural TeethN/A N/A $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an AccidentN/A N/A $500 per period of coverageSee Non-Emergency Dental benefit
Non-emergency Dental Optional RiderOptional RiderOptional Rider$750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity
(Inpatient hospitalization outside the U.S. only) 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. 		Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident N/AN/A$300 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance 		$500 of Eligible Medical Expenses following an accident.
Not subject to deductible or coinsurance
Adult Preventative Care
(Age 19 or older)		N/AN/A$250 per period of coverage.
Not subject to deductible or coinsurance 		$500 per period of coverage.
Not subject to deductible or coinsurance
Child Preventative Care
(Through age 18) 		N/A$70 maximum per visit, 3 visit limit per period of coverage.
Not subject to deductible or coinsurance.		$200 maximum per period of coverage.
Not subject to deductible or coinsurance.		$400 maximum per period of coverage.
Not subject to deductible or coinsurance.
Pre-Existing Conditions Limitation**Excluded$50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** Covered if disclosed and not excluded by rider
Teleconsultation*N/AN/AYesYes
Remote Mental Health ServiceN/AN/AN/AYes
Travel Intelligence PortalYesYesYesYes

*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.

**If applicants can verify their prior 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 health plan established or maintained by a State or the U.S. government).

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  • Global Medical
Categories :
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Coverage Information

Eligibility

This plan is available to individuals and families of all nationalities. U.S. citizens must plan to be residing outside U.S. on or before their effective date and renewal dates, for at least six (6) out of the next 12 months. Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S. Persons from the ages of 14 days to 74 years old may apply for coverage, and coverage ends at age 75. Persons 75 years of age and older are not eligible for coverage. Please see a sample contract for further details.

Lifetime Coverage

Lifetime medical coverage is available if you are enrolled in the program by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits for a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and promptly complete and return the enrollment form with your premium.

Enrollment

To apply for this plan, simply complete the online application by clicking "Get Quote". If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for coverage. If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG.

Quality Guarantee

To ensure your satisfaction, once you are accepted in the plan, we provide a 15-day free look period to review the coverage. If during that 15-day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and full refund of your premium received by IMG. See the Certificate Wording for full details.

 

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    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.