{"id":1102,"date":"2017-01-12T16:54:55","date_gmt":"2017-01-12T16:54:55","guid":{"rendered":"http:\/\/www.j1insurance.net\/blog\/?p=1102"},"modified":"2026-03-23T13:33:45","modified_gmt":"2026-03-23T13:33:45","slug":"img-global-medical-insurance","status":"publish","type":"post","link":"https:\/\/www.j1insurance.net\/blog\/img-global-medical-insurance\/","title":{"rendered":"IMG Global Medical Insurance"},"content":{"rendered":"<p><b>IMG Global Medical Insurance<\/b>&nbsp;plans address the insurance needs of US and non-US citizens who need&nbsp;long-term, annually renewable, comprehensive worldwide medical insurance for individuals and families.&nbsp; These plans provide coverage for individuals or families living or working abroad, contract employees living and working abroad, and seniors with dual residencies.<\/p>\n<p><span style=\"color: #ff0000;\">IMG Global Medical Bronze, Silver, Gold, and Platinum cover COVID-19 same as any illness.<br \/>\n<\/span><br \/>\nThese Plans are highly customizable to meet your needs:<\/p>\n<ul>\n<li>Medical Benefits from $1,000,000 to $8,000,000<\/li>\n<li>Deductible options from $100 to $25,000<\/li>\n<li>Four plan options and additional optional coverage<\/li>\n<li>Choice of coverage area to reflect your geographical area of need<\/li>\n<li>Freedom to seek treatment with hospital or doctor of your choice<\/li>\n<\/ul>\n<div>\n<p>International Medical Group &#8211; IMG Global Medical Insurance Bronze, Silver, Gold, and Platinum&nbsp;offer premiums in US dollars and benefit maximums in US dollars. &nbsp;Plans are for both US citizens living abroad and Non US citizens living anywhere in the world.&nbsp; There is a range of benefits available. &nbsp;IMG Bronze plan is a low cost offering covering hospital In patient care. &nbsp;Silver and Gold plans add more benefits. &nbsp;The IMG Global Medical Insurance Platinum plan is comprehensive and covers wellness care, maternity, dental, and vision.<\/p>\n<p>If you are looking for benefits payable in British Pounds Sterling, or Euros please consider the GlobalSelect or GlobalFusion here: <a href=\"http:\/\/www.j1insurance.net\/blog\/img-europe\/\">IMG Europe Travel Medical Insurance<\/a><\/p>\n<p>Content Update 1\/6\/2025<\/p>\n<\/div>\n<hr class=\"simplecut\">\n<table id=\"global_medical_table\">\n<tbody>\n<tr>\n<td><\/td>\n<td id=\"short_table_buy_buttons\">Silver Plan<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/Global_Medical?imgac=80000699&amp;uservar=blog\">Quote\/Buy Now<\/a><\/td>\n<td id=\"short_table_buy_buttons\">Gold Plan<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/Global_Medical?imgac=80000699&amp;uservar=blog\">Quote\/Buy Now<\/a><\/td>\n<td id=\"short_table_buy_buttons\">Platinum Plan<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/Global_Medical?imgac=80000699&amp;uservar=blog\">Quote\/Buy Now<\/a><\/td>\n<\/tr>\n<tr>\n<th id=\"global_desc\">IMG Global Medical Insurance<\/th>\n<th>Global Medical (Silver Plan) $250 deductible<\/th>\n<th>Global Medical (Gold Plan Plan) $500 deductible<\/th>\n<th>Global Medical (Platinum Plan) $1000 deductible<\/th>\n<\/tr>\n<tr>\n<td>Annual Deductible<\/td>\n<td>$250, $500, $1,000, $2,500, $5,000, $10,000<\/td>\n<td>$250, $500, $1,000, $2,500, $5,000, $10,000, $25,000<\/td>\n<td>$100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000<\/td>\n<\/tr>\n<tr>\n<td>Family Deductible<\/td>\n<td>3 times the individual<\/td>\n<td>3 times the individual<\/td>\n<td>2 times the individual<\/td>\n<\/tr>\n<tr>\n<td>Lifetime Max limit<\/td>\n<td>$5,000,000 per individual<\/td>\n<td>$5,000,000 per individual<\/td>\n<td>$8,000,000 per individual<\/td>\n<\/tr>\n<tr>\n<td>Treatment inside the U.S.<\/td>\n<td>In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance<br \/>\nNon-PPO: You pay 20% of next $5000 expenses after deductible<\/td>\n<td>In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance<br \/>\nNon-PPO: You pay 20% of next $5000 expenses after deductible<\/td>\n<td>In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance<br \/>\nNon-PPO: You pay 20% of next $5000 expenses after deductible<\/td>\n<\/tr>\n<tr>\n<td>Treatment in U.S. with Medical Concierge<\/td>\n<td>Deductible 50% waived (up to $2500). No coinsurance.<\/td>\n<td>Deductible 50% waived (up to $2500). No coinsurance.<\/td>\n<td>Deductible 50% waived (up to $2500). No coinsurance.<\/td>\n<\/tr>\n<tr>\n<td>Treatment outside the U.S.<\/td>\n<td>Deductible 50% waived (up to $2500). No coinsurance.<\/td>\n<td>Deductible 50% waived (up to $2500). No coinsurance.<\/td>\n<td>Deductible 50% waived (up to $2500). No coinsurance.<\/td>\n<\/tr>\n<tr>\n<td>Intensive care unit<\/td>\n<td>$1,500\/day, 180 day \/event<\/td>\n<td>URC(Usual Reasonable and Customary)<\/td>\n<td>URC(Usual Reasonable and Customary)<\/td>\n<\/tr>\n<tr>\n<td>Hospitalization\/room &amp; board<\/td>\n<td>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<\/td>\n<td>In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private).<\/td>\n<td>Private room rate<\/td>\n<\/tr>\n<tr>\n<td>Emergency Room<\/td>\n<td>URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\n<td>URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\n<td>URC for injury or illness resulting in hospitalization. &nbsp;$250 Additional deductible for illness without hospitalization<\/td>\n<\/tr>\n<tr>\n<td>Local Ambulance<\/td>\n<td>$1500\/event &#8211; not subject to deductible or coinsurance<\/td>\n<td>URC<\/td>\n<td>URC<\/td>\n<\/tr>\n<tr>\n<td>Child Wellness (under 18 y\/o)<\/td>\n<td>3 visit\/period, $70 max\/period.<\/td>\n<td>$200\/period, not subject to deductible or coinsurance.<\/td>\n<td>$400\/period, not subject to deductible or coinsurance.<\/td>\n<\/tr>\n<tr>\n<td>Adult Wellness<\/td>\n<td>NA<\/td>\n<td>$250\/period, not subject to deductible or coinsurance. Available for those at least 19 years old<\/td>\n<td>$500\/period, not subject to deductible or coinsurance. Available for those at least 19 years old<\/td>\n<\/tr>\n<tr>\n<td>Healthy Travel Preventive<\/td>\n<td>$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.<\/td>\n<td>$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.<\/td>\n<td>$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.<\/td>\n<\/tr>\n<tr>\n<td>Emergency Dental (accident)<\/td>\n<td>$1,000\/period<\/td>\n<td>URC<\/td>\n<td>URC<\/td>\n<\/tr>\n<tr>\n<td>Non-emergency Dental<\/td>\n<td>Optional Rider<\/td>\n<td>Optional Rider<\/td>\n<td>$750\/year<\/td>\n<\/tr>\n<tr>\n<td>Vision<\/td>\n<td>Optional Rider<\/td>\n<td>Optional Rider<\/td>\n<td>Exams-up to $100. Materials-up to $150 per 24 months<\/td>\n<\/tr>\n<tr>\n<td>Surgery<\/td>\n<td>URC<\/td>\n<td>URC<\/td>\n<td>URC<\/td>\n<\/tr>\n<tr>\n<td>Hospital Daily Indemnity (outside U.S.)<\/td>\n<td>Private Hospital: $400 per night\/$4,000 max, Public Hospital: $500 per night\/$5,000 max<\/td>\n<td>Private Hospital: $400 per night\/$4,000 max, Public Hospital: $500 per night\/$5,000 max<\/td>\n<td>Private Hospital: $400 per night\/$4,000 max, Public Hospital: $500 per night\/$5,000 max<\/td>\n<\/tr>\n<tr>\n<td>Emergency Evacuation<\/td>\n<td>$50,000 per period, not subject to deductible or coinsurance<\/td>\n<td>Up to the maximum limit, not subject to deductible or coinsurance<\/td>\n<td>Up to the maximum limit, not subject to deductible or coinsurance<\/td>\n<\/tr>\n<tr>\n<td>Repatriation of remains<\/td>\n<td>$25,000 per insured, not subject to deductible or coinsurance<\/td>\n<td>$25,000 per insured, not subject to deductible or coinsurance<\/td>\n<td>$50,000 per insured, not subject to deductible or coinsurance<\/td>\n<\/tr>\n<tr>\n<td>Mental\/Nervous<\/td>\n<td>Out-patient only, after 12 month of coverage<\/td>\n<td>$10,000 per year &#8211; $50,000 max, after 12 month of coverage<\/td>\n<td>$50,000 max, after 12 month of coverage<\/td>\n<\/tr>\n<tr>\n<td>Pre-existing conditions<\/td>\n<td>May have limited coverage after 24 months or be excluded at time of underwriting<\/td>\n<td>May have limited coverage after 24 months or be excluded at time of underwriting<\/td>\n<td>May be covered same as any illness or excluded at time of underwriting<\/td>\n<\/tr>\n<tr>\n<td>Maternity<\/td>\n<td>NA<\/td>\n<td>NA<\/td>\n<td>Maternity is covered same as any illness for any maternity related claim with a service date that occurs after 10 months of coverage &#8211; $2,500 additional deductible, $50,000 lifetime max. $200 child wellness for the first 12 months. new born care &amp; congenital disorders max of $250,000 for the first 31 days. Maternity related claims with dates of service before 10 months are not covered.<\/td>\n<\/tr>\n<tr>\n<td>More on Maternity<\/td>\n<td>NA<\/td>\n<td>NA<\/td>\n<td>IMG Global Medical Insurance Platinum often excludes maternity coverage for dates of conception before 24 months.<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td id=\"short_table_buy_buttons\">Silver Plan<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/Global_Medical?imgac=80000699&amp;uservar=blog\">Quote\/Buy Now<\/a><\/td>\n<td id=\"short_table_buy_buttons\">Gold Plan<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/Global_Medical?imgac=80000699&amp;uservar=blog\">Quote\/Buy Now<\/a><\/td>\n<td id=\"short_table_buy_buttons\">Platinum Plan<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/Global_Medical?imgac=80000699&amp;uservar=blog\">Quote\/Buy Now<\/a><\/td>\n<\/tr>\n<tr>\n<td>Complete Brochure<\/td>\n<td colspan=\"3\">\n<ul class=\"global_brochure\">\n<li><a class=\"brochure_button\" href=\"http:\/\/producer.imglobal.com\/ProducerDocuments.ashx?documentId=1804&amp;a=80000699\">Complete Brochure English<\/a><\/li>\n<li><a class=\"brochure_button\" href=\"http:\/\/producer.imglobal.com\/ProducerDocuments.ashx?documentId=1813&amp;a=80000699\">Complete Brochure Spanish<\/a><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"small_bold_h\">More Details&nbsp;&#8211; IMG Global Medical Insurance Bronze, Silver, Gold<\/h2>\n<table id=\"full_scholar_content\">\n<tbody>\n<tr>\n<th>Plan<\/th>\n<th>IMG Global Medical Insurance<\/th>\n<\/tr>\n<tr>\n<td>More about Child\/Children Rates<\/td>\n<td>\n<h2><\/h2>\n<ul>\n<li>Dependent child\/children rates are only available when one or two parents are covered. See chart for the rates. The rates are per child.<\/li>\n<li>Children alone (14 days to 18 years old) use the single female 19 year old rate.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>More about IMG Global Medical Insurance Silver Plan<\/td>\n<td>\n<h2><\/h2>\n<ul>\n<li>Out patient doctor visits limited to 25 per year, $70 each.<\/li>\n<li>Psychiatrist visits limited to $60 each.<\/li>\n<li>Chiropractor visits limited to $50 each.<\/li>\n<li>X-ray limited to $250 per exam.<\/li>\n<li>Surgery consultation limit $500.<\/li>\n<li>Lab test limit $300 per exam.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Plan Highlights<\/td>\n<td>\n<h2><\/h2>\n<ul>\n<li>Annually renewable comprehensive worldwide medical coverage for non-US nationals worldwide or US citizen working abroad<\/li>\n<li>Available up to age 74<\/li>\n<li>Deductible options from $100 to $25,000.<\/li>\n<li>Maximum policy benefits from $5,000,000 to $8,000,000<\/li>\n<li>Hospitalization \/ room &amp; board covers average semi-private room rate.<\/li>\n<li>Up to $50,000 medical evacuation<\/li>\n<li>Up to $5,000-50,000 repatriation of remains to home country.<\/li>\n<li>Flexible, comprehensive medical coverage<\/li>\n<li>Coverage for individuals and families<\/li>\n<li>Four unique plan designs &#8211; Silver, Gold, Gold Plus and Platinum<\/li>\n<li>Optional riders: Global Term Life Insurance, Terrorism, Sports, Dental, Vision<\/li>\n<li>Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Macau, Taiwan, Singapore and Japan)<\/li>\n<li>Select from multiple deductible options<\/li>\n<li>Choose from several payment modes<\/li>\n<li>Rates illustrated above are for annual premium, rates are higher for monthly payment<\/li>\n<li>Multiple underwriting options to fit your needs<\/li>\n<li>Freedom to seek treatment with hospital or doctor of your choice<\/li>\n<li>Access to two extensive provider networks<\/li>\n<li>Emergency Medical Evacuation and other evacuation benefits<\/li>\n<li>Medical Concierge Program<\/li>\n<li>Medical professionals to coordinate your care<\/li>\n<li>24 hour access to information<\/li>\n<li>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.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Medical Concierge Program<\/td>\n<td>\n<h2><\/h2>\n<ul>\n<li>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.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Who the plan is designed for<\/td>\n<td>\n<h2><\/h2>\n<ul>\n<li>Coverage for individuals or families living or working abroad<\/li>\n<li>Contract employees living and working abroad<\/li>\n<li>Seniors with dual residencies six months or longer outside the U.S.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td>Which Plan is best for you?<\/td>\n<td>\n<h2><\/h2>\n<ul>\n<li>IMG Global Medical Insurance Silver plan is most economical<\/li>\n<li>IMG Global Medical Insurance Gold Plan is the best value<\/li>\n<li>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.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>IMG Global Medical Insurance&nbsp;plans address the insurance needs of US and non-US citizens who need&nbsp;long-term, annually renewable, comprehensive worldwide medical insurance for individuals and families.&nbsp; These plans provide coverage for individuals or families living or working abroad, contract employees living and working abroad, and seniors with dual residencies. IMG Global Medical Bronze, Silver, Gold, and<br \/> <a href=\"https:\/\/www.j1insurance.net\/blog\/img-global-medical-insurance\/\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[26,27],"tags":[],"class_list":["entry","author-steve","post-1102","post","type-post","status-publish","format-standard","category-expatriot-insurance","category-global-medical-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>IMG Global Medical Insurance - J1 Insurance - Expat Coverage<\/title>\n<meta name=\"description\" content=\"IMG Global Medical Insurance - Free quote for International Medical Group (IMG) Global Medical plans - Bronze, Silver, Gold, Platinum.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.j1insurance.net\/blog\/img-global-medical-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IMG Global Medical Insurance - 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