IMG Global Medical Insurance

IMG Global Medical Insurance plans address the insurance needs of US and non-US citizens who need long-term, annually renewable, comprehensive worldwide medical insurance for individuals and families.  These plans provide coverage for individuals or families living or working abroad, contract employees living and working abroad, and seniors with dual residencies.

These Plans are highly customizable to meet your needs:

  • Medical Benefits from $1,000,000 to $8,000,000
  • Deductible options from $100 to $25,000
  • Four plan options and additional optional coverage
  • Choice of coverage area to reflect your geographical area of need
  • Freedom to seek treatment with hospital or doctor of your choice

International Medical Group – IMG Global Medical Insurance Bronze, Silver, Gold, and Platinum offer premiums in US dollars and benefit maximums in US dollars.  Plans are for both US citizens living abroad and Non US citizens living anywhere in the world.  There is a range of benefits available.  IMG Bronze plan is a low cost offering covering hospital In patient care.  Silver and Gold plans add more benefits.  The IMG Global Medical Insurance Platinum plan is comprehensive and covers wellness care, maternity, dental, and vision.

If you are looking for benefits payable in British Pounds Sterling, or Euros please consider the GlobalSelect or GlobalFusion here: IMG Europe Travel Medical Insurance


Silver Plan
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Gold Plan
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Platinum Plan
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IMG Global Medical Insurance Global Medical (Silver Plan) $250 deductible Global Medical (Gold Plan Plan) $500 deductible Global Medical (Platinum Plan) $1000 deductible
Annual Deductible $250, $500, $1,000, $2,500, $5,000, $10,000 $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000 $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Family Deductible 3 times the individual 3 times the individual 2 times the individual
Lifetime Max limit $5,000,000 per individual $5,000,000 per individual $8,000,000 per individual
Treatment inside the U.S. In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance
Non-PPO: You pay 20% of next $5000 expenses after deductible
In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance
Non-PPO: You pay 20% of next $5000 expenses after deductible
In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance
Non-PPO: You pay 20% of next $5000 expenses after deductible
Treatment in U.S. with Medical Concierge Deductible 50% waived (up to $2500). No coinsurance. Deductible 50% waived (up to $2500). No coinsurance. Deductible 50% waived (up to $2500). No coinsurance.
Treatment outside the U.S. Deductible 50% waived (up to $2500). No coinsurance. Deductible 50% waived (up to $2500). No coinsurance. Deductible 50% waived (up to $2500). No coinsurance.
Intensive care unit $1,500/day, 180 day /event URC(Usual Reasonable and Customary) URC(Usual Reasonable and Customary)
Hospitalization/room & board In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private). All subject to $600/day, 240 day max In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private). Private room rate
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization.  $250 Additional deductible for illness without hospitalization
Local Ambulance $1500/event – not subject to deductible or coinsurance URC URC
Child Wellness (under 18 y/o) 3 visit/period, $70 max/period. $200/period, not subject to deductible or coinsurance. $400/period, not subject to deductible or coinsurance.
Adult Wellness NA $250/period, not subject to deductible or coinsurance. Available for those at least 19 years old $500/period, not subject to deductible or coinsurance. Available for those at least 19 years old
Healthy Travel Preventive $250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date. $250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date. $250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.
Emergency Dental (accident) $1,000/period URC URC
Non-emergency Dental Optional Rider Optional Rider $750/year
Vision Optional Rider Optional Rider Exams-up to $100. Materials-up to $150 per 24 months
Surgery URC URC URC
Hospital Daily Indemnity (outside U.S.) Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max
Emergency Evacuation $50,000 per period, not subject to deductible or coinsurance Up to the maximum limit, not subject to deductible or coinsurance Up to the maximum limit, not subject to deductible or coinsurance
Repatriation of remains $25,000 per insured, not subject to deductible or coinsurance $25,000 per insured, not subject to deductible or coinsurance $50,000 per insured, not subject to deductible or coinsurance
Mental/Nervous Out-patient only, after 12 month of coverage $10,000 per year – $50,000 max, after 12 month of coverage $50,000 max, after 12 month of coverage
Pre-existing conditions May have limited coverage after 24 months or be excluded at time of underwriting May have limited coverage after 24 months or be excluded at time of underwriting May be covered same as any illness or excluded at time of underwriting
Maternity NA NA Maternity is covered same as any illness for any maternity related claim with a service date that occurs after 10 months of coverage – $2,500 additional deductible, $50,000 lifetime max. $200 child wellness for the first 12 months. new born care & congenital disorders max of $250,000 for the first 31 days. Maternity related claims with dates of service before 10 months are not covered.
More on Maternity NA NA IMG Global Medical Insurance Platinum often excludes maternity coverage for dates of conception before 24 months.
Monthly Rate
Silver Plan
Age Male Female
19-24 $107 $134
25-29 $113 $152
30-34 $127 $168
35-39 $145 $203
40-44 $159 $194
45-49 $178 $214
50-54 $178 $195
55-59 $197 $197
60-64 $290 $273
Dependent Children
14 days – 9 $47 $47
10-18 $48 $48
Gold Plan
Age Male Female
19-24 $141 $197
25-29 $146 $219
30-34 $164 $253
35-39 $183 $285
40-44 $205 $274
45-49 $256 $295
50-54 $428 $462
55-59 $523 $513
60-64 $652 $598
Dependent Children
14 days – 9 $73 $73
10-18 $76 $76
Platinum Plan
Age Male Female
19-24 $217 $320
25-29 $223 $394
30-34 $244 $446
35-39 $257 $496
40-44 $316 $542
45-49 $387 $432
50-54 $875 $935
55-59 $1162 $1153
60-64 $1383 $1295
Dependent Children
14 days – 9 $137 $137
10-18 $142 $142
Silver Plan
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Gold Plan
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Platinum Plan
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Complete Brochure

 

More Details – IMG Global Medical Insurance Bronze, Silver, Gold

Plan IMG Global Medical Insurance
More about Child/Children Rates

  • Dependent child/children rates are only available when one or two parents are covered. See chart for the rates. The rates are per child.
  • Children alone (14 days to 18 years old) use the single female 19 year old rate.
More about IMG Global Medical Insurance Silver Plan

  • Out patient doctor visits limited to 25 per year, $70 each.
  • Psychiatrist visits limited to $60 each.
  • Chiropractor visits limited to $50 each.
  • X-ray limited to $250 per exam.
  • Surgery consultation limit $500.
  • Lab test limit $300 per exam.
Plan Highlights

  • Annually renewable comprehensive worldwide medical coverage for non-US nationals worldwide or US citizen working abroad
  • Available up to age 74
  • Deductible options from $100 to $25,000.
  • Maximum policy benefits from $5,000,000 to $8,000,000
  • Hospitalization / room & board covers average semi-private room rate.
  • Up to $50,000 medical evacuation
  • Up to $5,000-50,000 repatriation of remains to home country.
  • Flexible, comprehensive medical coverage
  • Coverage for individuals and families
  • Four unique plan designs – Silver, Gold, Gold Plus and Platinum
  • Optional riders: Global Term Life Insurance, Terrorism, Sports, Dental, Vision
  • Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Macau, Taiwan, Singapore and Japan)
  • Select from multiple deductible options
  • Choose from several payment modes
  • Rates illustrated above are for annual premium, rates are higher for monthly payment
  • Multiple underwriting options to fit your needs
  • Freedom to seek treatment with hospital or doctor of your choice
  • Access to two extensive provider networks
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program
  • Medical professionals to coordinate your care
  • 24 hour access to information
  • To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
Medical Concierge Program

  • Medical Concierge Benefits in the US can be used for any non-urgent care. They can help you find high quality low cost medical providers and maximize your benefits by reducing your deductible in half.
Who the plan is designed for

  • Coverage for individuals or families living or working abroad
  • Contract employees living and working abroad
  • Seniors with dual residencies six months or longer outside the U.S.
Which Plan is best for you?

  • IMG Global Medical Insurance Silver plan is most economical
  • IMG Global Medical Insurance Gold Plan is the best value
  • IMG Global Medical Insurance Platinum is best for those wanting the best coverage or considering having a baby. IMG normally excludes maternity for dates of conception before 24 months. If you are interested in maternity benefits with a shorter waiting period please contact us.

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