International Medical Group

International Medical Group (IMG) offers a full line of international medical insurance products. You can explore the product categories below to find the right International Medical Group offering to meet your needs. International Student and International Scholar plans are designed for spending several years studying or researching abroad. If you are permanently living abroad you can explore our long term Global Medical plans. Other international travelers can benefit from our wide range of Travel Medical Insurance as well as Travel Insurance plans to protect both your health and your investment in your travel costs.

Content Update 6/5/2019

International Scholar

International Medical Group plans for J visa holders are required to meet the US Department of State (USDOS) J1 insurance requirements and their school, laboratory, or other sponsoring organizations requirements for the duration of their visa. The International Medical Group (IMG ) Patriot Exchange Program Plans ( Patriot Exchange Program, Taian Patriot Exchange, and Taian Exchange Select ) with $100,000 benefit per illness or injury are affordable plans that meet the USDOS requirements. The International Medical Group (IMG ) Student Health Advantage Plans add some additional coverage and also meet all of the US Department of State J visa insurance requirements.  Most J visa sponsoring organizations insurance requirements are the same as the USDOS, however some US colleges and Universities have higher requirements. If your sponsor is a US college or University you can check your requirements here: Link to School Listing
Buy Most Poplular Plan TaiAn Patriot Exchange

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International Students and Educators
International Medical Group plans listed here meet the needs of International Students, Educators, and anyone traveling internationally for an educational or cultural exchange purpose.  Non US citizens traveling to the US or anywhere outside their home country are eligible.  US citizens traveling anywhere outside the US are eligible.
 
There is a full range of benefit and price points available.
 
International Medical Group Patriot Exchange Program Plans, Student Health Advantage Plans and Travel Medical Insurance Plans are all options for International Students and Educators.

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Travel Medical Insurance

Addresses the insurance needs of US and non-US residents who need temporary medical insurance while traveling for business, pleasure, or education anywhere outside of their home country.

International Medical Group Patriot Travel Medical Insurance is our most popular offering.  Patriot America Plus Travel Medical Insuranceand Patriot PlatinumTravel Medical Insurance provide some additional benefits.  The GlobeHopper Senior Travel Medical Insurance is designed for people enrolled in medicare in the US. The GlobeHopper Travel Medical Insurance and GlobeHopper Platinum Travel Medical Insurance plans offer benefits in Euros or British Pounds for people traveling to Europe.

Click for more info on GlobeHopper Medical

 
The ITravelInsured Travel Insurance Plans are designed to cover air and cruise travel costs, emergency medical and rental car for trips up to 90 days.

IMG Patriot Travel Medical Plans are highly customizable to meet your needs:
  • Short-term travel medical coverage – renewable up to 24 months or 36 months depending on the plan.
  • Coverage for individuals, groups and dependents.
  • For anyone traveling outside their residence country
  • Medical benefits from $50,000 to $8,000,000
  • Deductible options from $0 to $25,000
  • Freedom to seek treatment with hospital or doctor of your choice
  • Patriot America and Patriot Platinum America provide access to UnitedHealthcare Options network – provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.

Buy Most Poplular Plan Patriot Travel Medical

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Global Insurance

International Medical Group global 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 in dollars, Euro or Pounds Sterling
Medical Benefits from $1,000,000 to $8,000,000
Deductible options from $100 to $25,000
Freedom to seek treatment with hospital or doctor of your choice

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

 US Dollar Global Medical Insurance Details
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IMG Europe offerings are available in US Dollars, British Pounds Sterling, or Euros.  IMG Europe GlobalFusion  Bronze, Silver, Gold, Gold Plus and Platinum are for both US citizens living abroad and Non US citizens living anywhere in the world.  There is a range of benefits from the Bronze plan which is a low cost offering covering hospital In patient care to the Platinum plan which is comprehensive and covers wellness care, maternity, dental, and vision.  The IMG Europe GlobalSelect Headstart, Basic, Standard, and Executive plans have similar benefits and are designed for the longer term purchaser.
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Students and Educators

IMG Patriot Exchange

  Plan B
(TaiAn Patriot Exchange)
Most Popular
Plan S
(TaiAn Exchange Select)
Lowest Cost
PEP
(Patriot Exchange Program )
Lowest Cost for Travel outside US
Citizenship For Non-US citizens only For Non-US citizens only For US or Non-US Residents
Insurance Provider IMG – International Medical Group IMG – International Medical Group IMG – International Medical Group
Medical Network Provider UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Medical Benefits per Accident
or Illness or Injury
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Repatriation of Remains $25,000 $25,000 $25,000
Medical Evacuation $50,000 $50,000 $50,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage After 12 months of continuous coverage After 12 months of continuous coverage
Deductible $100 per illness
$0 annual
$250 annual
$500 annual
$100 per illness
$250 annual
$500 annual
$0 per illness
$100 per illness
$250 per illness
$500 per illness
Student Health Center Copay $5, no deductible $5, no deductible $5, no deductible
Coinsurance Insurance pays 100% In Network
Insurance pays 80%
Insured pays 20%
Out of Network
Insurance pays 70%
Insured pays 30%
Insurance pays 100%
Hospital Room and Board Average semi-private room Average semi-private room Average semi-private room
Intensive Care URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary)
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. Additional $250 deductible for illness without hospitalization
Prescription Drugs URC URC URC
Accident Dental Injury $500, Sudden pain $350 Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000 $25,000 $25,000
Sample Price
$100,000 Medical Benefits
$100 per illness deductible
Same Price for
J1, J2, F1, F2
Age Non-US Citizen Monthly Cost
0-24 $51.90
25-49 $71.10
50-64 $142.80
Age Non-US Citizen Monthly Cost
0-24 $43.43
25-49 $56.56
50-64 $121.08
Age Travel Outside US Monthly Cost
0-24 $42.00
25-49 $49.00
50-64 $117.00
Age Travel to US Monthly Cost
0-24 $59.00
25-49 $77.00
50-64 $165.00
Sample Price
$100,000 Medical Benefits
$500 annual deductible
Same Price for
J1, J2, F1, F2
Age Non-US Citizen Monthly Cost
0-24 $45.00
25-49 $61.60
50-64 $124.20
Age Non-US Citizen Monthly Cost
0-24 $39.19
25-49 $51.02
50-64 $109.23

Lowest Cost Plan

 
Group for 5 primary insured or more Group Plan B 10% off Group Plan S 10% off Group Plan 10% off
Buy Individual or Family Plan Now Buy Plan B TaiAn Patriot Exchange Buy Plan S TaiAn Exchange Select Buy Patriot Exchange Plan
Buy Group Plan Now Buy Group Plan B(TPE group) Buy Group Plan S(TES Group) Buy Group Patriot Exchange Plan
Brochure International Medical Group International Medical Group International Medical Group Patriot Exchange Program Brochure And Applications

 


Student Health Advantage

  Student Health Advantage Standard Student Health Advantage Platinum
Residency For US or Non-US residents For US or Non-US residents
Insurance Provider IMG – International Medical Group IMG – International Medical Group
Medical Network Provider UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Medical Benefits per Accident
or Illness or Injury
$300,000 $500,000
Repatriation of Remains $50,000 $50,000
Medical Evacuation $500,000 $500,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage After 6 months of continuous coverage
Deductible $100 per illness $25 per illness
Student Health Center Copay $5, no deductible $5, no deductible
Coinsurance No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance. No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
Hospital Room and Board Average semi-private room Average semi-private room
Intensive Care URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary)
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
Prescription Drugs In-patient URC, out-patient 50% In-patient URC, out-patient 50%
Accident Dental Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000 $25,000
Mental Health and Substance Abuse In-patient URC to $10,000, out-patient $50/day to $500 In-patient URC to $10,000, out-patient $50/day to $500
Maternity Coinsurance Not Covered Not covered – If you are pregnant before your policy is effective. No coinsurance outside of U.S. In the U.S. in PPO 20% of eligible charges. In the U.S. out of PPO 40% of eligible charges.
Cost Per Month (Travel to US)
Age F1/J1 Spouse Children
< 19 $64 $336 $80
19-23 $84 $336 $80
24-30 $98 $372 $80
31-40 $176 $495 $80
41-50 $286 $511 $80
51-64 $382 $495 $80
Age F1/J1 Spouse Children
< 19 $108 $576 $122
19-23 $142 $576 $122
24-30 $164 $635 $122
31-40 $294 $847 $122
41-50 $481 $875 $122
51-64 $642 $847 $122
Cost Per Month (Travel outside US)
Age F1/J1 Spouse Children
< 19 $50 $292 $60
19-23 $56 $292 $60
24-30 $74 $320 $60
31-40 $112 $426 $60
41-50 $181 $437 $60
51-64 $242 $426 $60
Age F1/J1 Spouse Children
< 19 $85 $501 $92
19-23 $94 $501 $92
24-30 $124 $548 $92
31-40 $135 $730 $92
41-50 $305 $750 $92
51-64 $404 $730 $92
Group for 5 primary insured or more Group A Standard 15% off Group A Platinum 18% off
Buy Individual or Family Plan Now Buy Plan A Student Health Advantage Standard Buy Plan A Student Health Advantage Platinum
Buy Group Plan Now Buy Group Plan A Standard Buy Group Plan A Platinum
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Patriot Travel Medical Insurance

Our lowest cost Travel Medical Insurance. Good for many travelers and students. This plan has the best rates for young travelers amongst all of our plans. For US or Non-US Residents.

IMG Patriot Travel Medical Patriot America For non-US residents traveling to the US Patriot International For anyone traveling outside the US and outside their resident country
Lifetime maximum $50,000, $100,000, $500,000, $1,000,000 $50,000, $100,000, $500,000, $1,000,000
Term 5 days to 2 years 5 days to 2 years
Deductible $0, $100, $250, $500, $1,000, $2,500 $0, $100, $250, $500, $1,000, $2,500
Urgent Care Center $25 copay, deductible waived. Not applicable when $0 deductible selected. $25 copay, deductible waived. Not applicable when $0 deductible selected.
Walk in Clinic $15 copay, deductible waived. Not applicable when $0 deductible selected. $15 copay, deductible waived. Not applicable when $0 deductible selected.
Doctor Care Up to the Maximum Up to the Maximum
Coinsurance In-PPO No Coinsurance Out-PPO, 20% to $5,000 then 0% No coinsurance outside of U.S.
Intensive care unit Up to the Maximum Up to the Maximum
Bedside Visit $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible. $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.
Hospitalization / room & board Up to the Maximum for average semi-private room rate Up to the Maximum for average semi-private room rate
Surgery Care Up to the Maximum Up to the Maximum
Outpatient Surgery Care Up to the Maximum Up to the Maximum
Hospital Daily Indemnity $250 per day. 10 day maximum. $250 per day. 10 day maximum.
Prescription Drugs Up to the Maximum. Subject to coinsurance in the US. Up to the Maximum. Subject to coinsurance in the US.
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
Local Ambulance Up to Maximum for injury resulting in needed emergency care, or illness resulting in overnight hospital stay. Otherwise not covered. Up to Maximum for injury resulting in needed emergency care, or illness resulting in overnight hospital stay. Otherwise not covered.
Accidental Dental Injury $300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist. $300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist.
Sport & Activities Coverage Up to the Maximum for basic sports Up to the Maximum for basic sports
Trip Interruption Up to $10,000 Up to $10,000
Accidental Death & Loss of Limb $50,000 principal sum $50,000 principal sum
Emergency Medical Evacuation $1,000,000 $1,000,000
Repatriation of remains Up to the maximum benefit selected Up to the maximum benefit selected
Pre-existing conditions N/A Non-US citizen up to age 69 – up to lower of plan maximum or $1,000,000.
US citizen up to age 64 with primary health coverage – up to plan maximum.
US citizen up to age 64 without primary health coverage – $20,000.
US citizen age 65 up to age 69 – $2,500.
Health Network IMG Network UnitedHealthcare Options network (for Patriot America in the US) provides access to broadest top tier national network in the US.
Convenient access to simplified claims processing and direct billing.
Personal Liability Coverage Injury to another or damage to others property – $25,000 maximum subject to $100 deductible Injury to another or damage to others property – $25,000 maximum subject to $100 deductible
Lost Luggage $50 per item, $500 maximum $50 per item, $500 maximum
Group Pricing 5 or more primary insured have about 10% discount 5 or more primary insured have about 10% discount
Premium for $50,000 maximum and $250 deductible ($10,000 max for 80+ age) – minimum purchase 5 days
Age 30 days Premium
< 18 $34.20
18-29 $34.20
30-39 $46.20
40-49 $68.10
50-59 $100.80
60-64 $117.30
65-69 $134.40
70-79 $200.10
80+ $337.80
Age 30 days Premium
< 18 $22.20
18-29 $23.10
30-39 $27.30
40-49 $45.90
50-59 $77.70
60-64 $97.50
65-69 $114.60
70-79 $171.00
80+ $303.30
Premium for $50,000 maximum and $1000 deductible ($10,000 max for 80+ age) – minimum purchase 5 days
Age 30 days Premium
< 18 $27.36
18-29 $27.36
30-39 $36.96
40-49 $54.48
50-59 $80.64
60-64 $93.84
65-69 $107.52
70-79 $160.08
80+ $270.24
Age 30 days Premium
< 18 $17.76
18-29 $18.48
30-39 $21.84
40-49 $36.72
50-59 $62.16
60-64 $78.00
65-69 $91.68
70-79 $136.80
80+ $242.64
 
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Group for 5 or more
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  International Medical Group International Medical Group

Travel Medical Insurance

Patriot Travel Medical Insurance

Our lowest cost Travel Medical Insurance. Good for many travelers and students. This plan has the best rates for young travelers amongst all of our plans. For US or Non-US residents.

IMG Patriot Travel Medical Patriot America For non-US residents traveling to the US Patriot International For anyone traveling outside the US and outside their resident country
Lifetime maximum $50,000, $100,000, $500,000, $1,000,000 $50,000, $100,000, $500,000, $1,000,000
Term 5 days to 2 years 5 days to 2 years
Deductible $0, $100, $250, $500, $1,000, $2,500 $0, $100, $250, $500, $1,000, $2,500
Urgent Care Center $25 copay, deductible waived. Not applicable when $0 deductible selected. $25 copay, deductible waived. Not applicable when $0 deductible selected.
Walk in Clinic $15 copay, deductible waived. Not applicable when $0 deductible selected. $15 copay, deductible waived. Not applicable when $0 deductible selected.
Doctor Care Up to the Maximum Up to the Maximum
Coinsurance In-PPO No Coinsurance Out-PPO, 20% to $5,000 then 0% No coinsurance outside of U.S.
Intensive care unit Up to the Maximum Up to the Maximum
Bedside Visit $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible. $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.
Hospitalization / room & board Up to the Maximum for average semi-private room rate Up to the Maximum for average semi-private room rate
Surgery Care Up to the Maximum Up to the Maximum
Outpatient Surgery Care Up to the Maximum Up to the Maximum
Hospital Daily Indemnity $250 per day. 10 day maximum. $250 per day. 10 day maximum.
Prescription Drugs Up to the Maximum. Subject to coinsurance in the US. Up to the Maximum. Subject to coinsurance in the US.
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
Local Ambulance Up to Maximum for injury resulting in needed emergency care, or illness resulting in overnight hospital stay. Otherwise not covered. Up to Maximum for injury resulting in needed emergency care, or illness resulting in overnight hospital stay. Otherwise not covered.
Accidental Dental Injury $300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist. $300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist.
Sport & Activities Coverage Up to the Maximum for basic sports Up to the Maximum for basic sports
Trip Interruption Up to $10,000 Up to $10,000
Accidental Death & Loss of Limb $50,000 principal sum $50,000 principal sum
Emergency Medical Evacuation $1,000,000 $1,000,000
Repatriation of remains Up to the maximum benefit selected Up to the maximum benefit selected
Pre-existing conditions N/A Non-US citizen up to age 69 – up to lower of plan maximum or $1,000,000.
US citizen up to age 64 with primary health coverage – up to plan maximum.
US citizen up to age 64 without primary health coverage – $20,000.
US citizen age 65 up to age 69 – $2,500.
Health Network IMG Network UnitedHealthcare Options network (for Patriot America in the US) provides access to broadest top tier national network in the US.
Convenient access to simplified claims processing and direct billing.
Personal Liability Coverage Injury to another or damage to others property – $25,000 maximum subject to $100 deductible Injury to another or damage to others property – $25,000 maximum subject to $100 deductible
Lost Luggage $50 per item, $500 maximum $50 per item, $500 maximum
Group Pricing 5 or more primary insured have about 10% discount 5 or more primary insured have about 10% discount
Premium for $50,000 maximum and $250 deductible ($10,000 max for 80+ age) – minimum purchase 5 days
Age 30 days Premium
< 18 $34.20
18-29 $34.20
30-39 $46.20
40-49 $68.10
50-59 $100.80
60-64 $117.30
65-69 $134.40
70-79 $200.10
80+ $337.80
Age 30 days Premium
< 18 $22.20
18-29 $23.10
30-39 $27.30
40-49 $45.90
50-59 $77.70
60-64 $97.50
65-69 $114.60
70-79 $171.00
80+ $303.30
Premium for $50,000 maximum and $1000 deductible ($10,000 max for 80+ age) – minimum purchase 5 days
Age 30 days Premium
< 18 $27.36
18-29 $27.36
30-39 $36.96
40-49 $54.48
50-59 $80.64
60-64 $93.84
65-69 $107.52
70-79 $160.08
80+ $270.24
Age 30 days Premium
< 18 $17.76
18-29 $18.48
30-39 $21.84
40-49 $36.72
50-59 $62.16
60-64 $78.00
65-69 $91.68
70-79 $136.80
80+ $242.64
  Patriot Travel Medical InsuranceBuy Now Patriot Travel Medical InsuranceBuy Now
  Group for 5 or more (10% off)Buy Group Group for 5 or more (10% off)Buy Group
  Patriot Travel FAQ Patriot Travel FAQ
  Patriot Travel Brochure Patriot Travel Brochure

Patriot America Plus Travel Medical Insurance

IMG Patriot America Plus Travel Medical Insurance is designed for non-US residents traveling out of their country of residence to destinations including the US, regardless of visa type.
The price chart is based on $50,000 maximum benefit and $250 deductible.

Age 30 days Premium
< 18 $38.40
18-29 $38.70
30-39 $52.20
40-49 $77.10
50-59 $114.00
60-64 $132.60
65-69 $151.80
70-79 $226.20
80+ $381.60

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Patriot Platinum Travel Medical Insurance

 

Medical benefits up to $8,000,000, and coverage periods up to 3 years. Many senior citizens choose this coverage to have more benefits than available in the Patriot Travel Medical plan which limits benefits for people over 70 years old.
The price chart is based on $250 deductible.

$2,000,000 Benefit, $250 Deductible
AgePatriot Platinum America
30 days Premium
Patriot Platinum International
30 days Premium
under 18$76.80$37.50
18-29$77.10$39.30
30-39$104.10$46.50
40-49$153.30$78.00
50-59$226.80$132.30
60-64$270.00$165.90
65-69$302.40$195.00
70-79*$450.30$290.70
80+**$760.20$515.70


* $100,000 max for 70-79 age
** $20,000 max for 80+ age

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GlobeHopper Senior

 

Designed for Senior Citizens who are enrolled in Medicare. People in their 70s can get up to $1 million of coverage, and someone 80+ can get $100,000 of coverage. These maximums are limited on the Patriot International to $50,000 and $10,000, respectively. Also, non-life threatening medical evacuation is included.

$50,000 maximum benefit $250 deductible.
Age Price per Month
65-69 $163
70-79 $214
80+ $375

Single-Trip

Addresses the insurance needs of U.S. citizens and U.S. permanent resident seniors who need temporary medical insurance while traveling outside the U.S.

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Multi-Trip

Addresses the insurance needs of U.S. citizens and U.S. permanent resident seniors who need temporary medical insurance while traveling outside the U.S.

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iTravelInsured Travel Insurance

Taian Travel Insurance Travel Lite Travel SE Travel LX
Travel Cancellation $25,000 $50,000 $100,000
Travel Interruption $25,000 $50,000 $150,000
Travel Delay $500 Max ($125/day) $500 Max ($125/day) $1000 Max ($250/day)
Missed Connection $500 $500 $500
Lost Baggage N/A $1,500 $2,500
Baggage Delay $150 $250 $500
Medical Benefit Accident / Sickness N/A $20,000 $100,000
Emergency Medical Evacuation N/A $100,000 $1,000,000
AD&D N/A $25,000 $100,000
Cancel any reason N/A N/A 75% of trip cost
Cancel for Work Reasons Yes Yes Yes
Rental Car Damage $40,000 $40,000 $40,000
Children 17 and under free N/A Yes N/A
Pre-Existing Conditions Coverage N/A Yes Yes
24/7 emergency travel assistance Yes Yes Yes
Brochure Travel Lite Travel SE Travel LX
Price Quote or Purchase Buy Travel Lite Buy Travel SE Buy Travel LX
 

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Global Medical Insurance

IMG Global Medical Insurance Global Medical (Silver Plan) $250 deductible Global Medical (Gold 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 in U.S. URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization in U.S. URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization in U.S.
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 often excludes maternity coverage for dates of conception before 24 months.
Monthly Rate Dependent child

 

Age Male Female
14 days – 9 $47 $47
10-18 $48 $48

Adult

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
GOLD PLAN Dependent child

 

Age Male Female
14 days – 9 $73 $73
10-18 $76 $76

Adult

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 child

 

Age Male Female
14 days – 9 $137 $137
10-18 $142 $142

Adult

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
 

Buy Global Medical (Silver Plan)

Buy Global Medical (Gold Plan)

Buy Global Medical (Platinum Plan)

Bronze Plan

Our lowest cost Global Medical plan covering mostly inpatient medical expenses.

GlobalFusion

GlobalFusion from IMG Europe Ltd. is our lower cost plans that offer benefits in Euros or Pounds. There are four plans to choose from.

Buy
Brochure

GlobalSelect

GlobalSelect from IMG Europe Ltd. is for the long term buyer wanting benefits in Euros or Pounds. There are four plans to choose from.

Buy
Brochure

 

International Scholar Insurance

IMG Patriot Exchange

  Plan B
(TaiAn Patriot Exchange)
Most Popular
Plan S
(TaiAn Exchange Select)
Lowest Cost
PEP
(Patriot Exchange Program )
Lowest Cost for Travel outside US
Citizenship For Non-US citizens only For Non-US citizens only For US or Non-US Residents
Insurance Provider IMG – International Medical Group IMG – International Medical Group IMG – International Medical Group
Medical Network Provider UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Medical Benefits per Accident
or Illness or Injury
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Repatriation of Remains $25,000 $25,000 $25,000
Medical Evacuation $50,000 $50,000 $50,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage After 12 months of continuous coverage After 12 months of continuous coverage
Deductible $100 per illness
$0 annual
$250 annual
$500 annual
$100 per illness
$250 annual
$500 annual
$0 per illness
$100 per illness
$250 per illness
$500 per illness
Student Health Center Copay $5, no deductible $5, no deductible $5, no deductible
Coinsurance Insurance pays 100% In Network
Insurance pays 80%
Insured pays 20%
Out of Network
Insurance pays 70%
Insured pays 30%
Insurance pays 100%
Hospital Room and Board Average semi-private room Average semi-private room Average semi-private room
Intensive Care URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary)
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. Additional $250 deductible for illness without hospitalization
Prescription Drugs URC URC URC
Accident Dental Injury $500, Sudden pain $350 Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000 $25,000 $25,000
Sample Price
$100,000 Medical Benefits
$100 per illness deductible
Same Price for
J1, J2, F1, F2
Age Non-US Citizen Monthly Cost
0-24 $51.90
25-49 $71.10
50-64 $142.80
Age Non-US Citizen Monthly Cost
0-24 $43.43
25-49 $56.56
50-64 $121.08
Age Travel Outside US Monthly Cost
0-24 $42.00
25-49 $49.00
50-64 $117.00
Age Travel to US Monthly Cost
0-24 $59.00
25-49 $77.00
50-64 $165.00
Sample Price
$100,000 Medical Benefits
$500 annual deductible
Same Price for
J1, J2, F1, F2
Age Non-US Citizen Monthly Cost
0-24 $45.00
25-49 $61.80
50-64 $124.20
Age Non-US Citizen Monthly Cost
0-24 $39.19
25-49 $51.02
50-64 $109.23

Lowest Cost Plan

 
Group for 5 primary insured or more Group Plan B 10% off Group Plan S 10% off Group Plan 10% off
Buy Individual or Family Plan Now Buy Plan B TaiAn Patriot Exchange Buy Plan S TaiAn Exchange Select Buy Patriot Exchange Plan
Buy Group Plan Now Buy Group Plan B(TPE group) Buy Group Plan S(TES Group) Buy Group Patriot Exchange Plan
Brochure International Medical Group International Medical Group International Medical Group Patriot Exchange Program Brochure And Applications

 


Student Health Advantage

  Student Health Advantage Standard Student Health Advantage Platinum
Residency For US or Non-US residents For US or Non-US residents
Insurance Provider IMG – International Medical Group IMG – International Medical Group
Medical Network Provider UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Medical Benefits per Accident
or Illness or Injury
$300,000 $500,000
Repatriation of Remains $50,000 $50,000
Medical Evacuation $500,000 $500,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage After 6 months of continuous coverage
Deductible $100 per illness $25 per illness
Student Health Center Copay $5, no deductible $5, no deductible
Coinsurance No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance. No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
Hospital Room and Board Average semi-private room Average semi-private room
Intensive Care URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary)
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
Prescription Drugs In-patient URC, out-patient 50% In-patient URC, out-patient 50%
Accident Dental Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000 $25,000
Mental Health and Substance Abuse In-patient URC to $10,000, out-patient $50/day to $500 In-patient URC to $10,000, out-patient $50/day to $500
Maternity Coinsurance Not Covered Not covered – If you are pregnant before your policy is effective. No coinsurance outside of U.S. In the U.S. in PPO 20% of eligible charges. In the U.S. out of PPO 40% of eligible charges.
Cost Per Month (Travel to US)
Age F1/J1 Spouse Children
< 19 $64 $336 $80
19-23 $84 $336 $80
24-30 $98 $372 $80
31-40 $176 $495 $80
41-50 $286 $511 $80
51-64 $382 $495 $80
Age F1/J1 Spouse Children
< 19 $108 $576 $122
19-23 $142 $576 $122
24-30 $164 $635 $122
31-40 $294 $847 $122
41-50 $481 $875 $122
51-64 $642 $847 $122
Cost Per Month (Travel outside US)
Age F1/J1 Spouse Children
< 19 $50 $292 $60
19-23 $56 $292 $60
24-30 $74 $320 $60
31-40 $112 $426 $60
41-50 $181 $437 $60
51-64 $242 $426 $60
Age F1/J1 Spouse Children
< 19 $85 $501 $92
19-23 $94 $501 $92
24-30 $124 $548 $92
31-40 $135 $730 $92
41-50 $305 $750 $92
51-64 $404 $730 $92
Group for 5 primary insured or more Group A Standard 15% off Group A Platinum 18% off
Buy Individual or Family Plan Now Buy Plan A Student Health Advantage Standard Buy Plan A Student Health Advantage Platinum
Buy Group Plan Now Buy Group Plan A Standard Buy Group Plan A Platinum
Brochure International Medical Group International Medical Group

 

 

 

 

10 Comments


  1. // Reply

    I would like to know more about the Global Insurance Plan.


    1. // Reply

      I’m in the process of improving my content online for the Global Medical plan. Currently I have these pages online line with IMG Global Medical Insurance Content:
      Global Medical Blog Content (click on “Compare Plans” in the Global Section).
      Global Medical

      I’m glad to answer any specific questions you may have. Here’s some general information. We have IMG Global Medical Plans to meet the needs of people living or working outside their home country. Our plans have a wide range of benefit levels you can purchase from in patient only to comprehensive benefits. Our plans can have benefits payable in Dollars, Euros or Pounds Sterling.

      If you tell me more about your questions, I’m glad to advise you.

      Thanks,

      J1insurance.net
      (317)318-8259


  2. // Reply

    I have adaughter 16 years old. She is currently attending the Mountain Ridge High School in Glendale, AZ and the company in Spain and Educatius in US cover the full medical insurance for this year. She will continue to study in US next year grade 12 in one private school in the surroindg area of Glendale, AZ (Phoenix), I would like to have a quote for the full year of a medical insurance with her if you provide such a service. She is having F-1 VISA and she will continue to have this visa.
    Thanks


    1. // Reply

      Hi,

      I have several plans that would be good for an F-1 Visa High School student. She can purchase my TaiAn Patriot Exchange Plan, TaiAn Exchange Select Plan, or Patriot Travel Plan. Each of these plans has benefit level choices and deductible choices to make. You can see the TaiAn Patriot Exchange and TaiAn Exchange Select here:
      http://www.j1insurance.net/blog/img-patriot-exchange/
      The Patriot Travel Plan is here:
      http://www.j1insurance.net/blog/patriot-travel-medical-insurance/
      As an F visa holder you can select a benefit level of $50,000 or more. Here are a few price comparisons (I assume 16 years old)

      The Patriot Travel Plan would cost $37 per month with a $250 deductible (per year of coverage). You could select a $0 deductible and pay a bit more, or a higher deductible to reduce the price. This plan has 10% coinsurance above the deductible until you have spent up to $500 on coinsurance.

      The TaiAn Patriot Exchange Plan $50,000 benefit and $250 deductible would cost $47.16 per month. It has no coinsurance and the benefit is $50,000 per illness, not $50,000 total.

      The TaiAn Exchange Select with a $50,000 benefit and $250 deductible would cost $38.20 per month. This one has 20% coinsurance and it has
      $50,000 per illness, not $50,000 total.

      For each plan, you can select a higher benefit level if you choose.

      Let me know if you have other questions.

      Thanks,

      j1insurance.net
      taianfinancial.com


  3. // Reply

    Hey,

    We are organizing Real Madrid foundation football camp for next December and we would like to know which type of insurance you have for a singlke week in India and which are the conditions and prices.

    Thank you.

    Best regards,

    Jon


    1. // Reply

      Hi Jon,

      I’d like to confirm some details to be sure I point you in the correct direction.

      One important thing to consider is that most travel medical plans will exclude coverage for sports like football (American football or what Americans call soccer). Intramural or club sports like soccer are covered under the Student Health Advantage Plans which are available for students who travel overseas for an educational purpose. The Student Health Advantage Plans are more expensive than the Patriot America travel plan, but I would think this coverage would be important for your camp. The Student Health Advantage Plan is also available only in monthly increments – so you’d need to pay for a month of coverage even if the trip is only a week.

      The plan price is based on age. Please provide me with the number of people needing coverage and their age and I can provide you a price quote for both the Student Health Advantage Plan and The Patriot America Travel Plan. Also please let me know if this is American football, or soccer. Based on your response, I may have other options to offer. For large groups we can offer some additional customization of our offerings.

      You can see details on each plan on my website:

      Student Health Advantage: http://www.j1insurance.net/blog/student-health-advantage/

      Patriot America Travel Medical: http://www.j1insurance.net/blog/patriot-travel-medical-insurance/

      Let me know how I can assist you further.

      Thanks,

      j1insurance.net

      317-318-8259


  4. // Reply

    I am J1 and my son J2. I have bought the IMG insurance from Aug. 10, 2017 to Jan. 10, 2018. My insured ID is 83617081.

    Now, I must go back to China on Dec. 9, 2017. Could you tell me if you return the last month’s insurance to me?

    Thank you very much!


    1. // Reply

      Hi,

      Different plans and customer circumstances have different early cancel benefits.
      All plans can be cancelled before the insurance is effective for a full refund of premium payments. After a plan is effective, plans with claims on file are not eligible for a refund. Plans with no claims on file may be eligible for a refund of full months premiums. Refunds are subject to a fee.

      In your specific case, you would not be eligible for any net of fee refund for early termination of your policy. You can email taianfinancialllc@gmail.com for a private answer to your question.

      Thanks,

      J1insurance.net


  5. // Reply

    I’m interested in J1 insurance that offers minimum levels of coverage as below;
    1.)
    100,000 $for accident or illness with deductible of not more than $500
    2.) repatriation of remains, in event of death in the amount of 25,000 $
    3.) expense associated with evacuation to your home country of 50,000

    I would also like to know the rating of your insurance company


    1. // Reply

      Your requirements are the US Department of State requirements for J visa holders. Our Plan B (TaiAn Patriot Exchange) or Plan S (TaiAn Exchange Select) can meet all of the requirements. These are the requirements:

      – $100,000 per accident & illness in medical coverage
      – Deductible cannot exceed $500 per illness or injury
      – Medical evacuation coverage must be at least $50,000
      – Repatriation coverage must be at least $25,000

      Please visit:
      https://www.j1insurance.net/blog/buy-j1-visa-insurance/
      for more details.

      If you do make the decision to make this purchase, any of the deductible options meet the requirements. Also, choose the maximum per accident & illness no less than $100,000.

      The $250 annual deductible Plan B with a $100,000 benefit per illness or injury (our most popular plan) will cost $824.40 for a year of coverage for a 25-49 year old.

      The lowest cost plan that meets the requirements is the Plan S with a $500 deductible and a $100,000 benefit per illness or accident. This one costs less because it has 20% coinsurance. A year of coverage will cost $644.52 for a 25-49 year old.

      Our insurance company is A rated by A.M. Best, and meets the required insurance rating.

      If you have questions please feel free to contact us through email or by phone.

      Thank you,

      j1insurance.net
      (317)318-8259

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