IMG Global Medical Insurance is an expatriate health insurance plan that provides you and your family worldwide medical coverage. Available to all nationalities, the IMG Global Medical Plan is ideal for international citizens living and working outside of their home country and provides some of the most comprehensive benefits available, backed by worldwide service. The plan is fully customizable, with multiple levels of coverage, two options for your area of coverage, five optional add-on riders, multiple deductible options, and four modes of payment available. When you buy international medical insurance, you can get the exact plan that satisfies your family’s health needs at the right budget for you.
IMG Global Medical Insurance Highlights
Overall Maximum Coverage
Plan tiers offer a range of maximum coverage from $1,000,000 to $8,000,000.
Prescription Coverage
All plan tiers include prescription coverage with varying limits.
Choice of Coverage Area
Worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan.
Emergency Evacuation
$50,000 maximum per coverage period for Bronze and Silver, up to lifetime maximum for Gold and Platinum.
IMG Global Medical Insurance Benefits
With an IMG Global Medical insurance plan, you can select a tier with a benefits package that is most aligned with your needs. All plans include coverage for hospital care, outpatient care, prescriptions, chemotherapy and radiation, physical therapy, organ transplants, emergency evacuation. Each one even incluces a Healthy Travel supplement for vaccinations and other preventative medical care before you embark on a journey. You can also add on coverage for terrorism, sports, dental and vision and accidental death and dismemberment. IMG Global health insurance also offers add-on global term life insurance that, unlike your home policy, will pay your heirs if misfortune should befall you no matter where you are in the world.
How Much Does IMG Global Medical Insurance Cost?
The cost of your IMG Global Expat Medical Insurance plan is based on several factors. Your age and your destination will each affect your IMG health insurance premium. You can also make choices in several areas to get the precise coverage you need at the right price.
Choose from two coverage areas:
- Worldwide or
- Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Select the coverage area that best reflects your geographic area of need. Each provides full coverage, but premiums reflect the cost of care in different parts of the world. Regardless of your coverage area, you maintain the freedom to choose your provider.
Multiple deductible options—A deductible is a cost you agree to pay out of pocket before your insurance begins to pay for services. Your premium will be reduced, but you may have to pay some bills alone.
IMG offers seven different deductible options, all with different premium levels. Additionally, your deductible can be reduced up to 50% to a maximum of $2,500.
Four premium modes – You can pay your entire premium upfront for bigger savings or monthly to spread costs throughout the year. Choose one of these four premium modes.
- Annual (biggest savings)
- Semi-annual
- Quarterly
- Monthly
IMG Global Medical Insurance Eligibility
The IMG Global Medical Plan is available to all nationalities (U.S. and non-U.S. citizens) from 14 days up to 74 years of age. U.S. citizens must plan to live out of their home country for at least 6 of the 12 months covered by the plan year. Persons 75 years of age and older are not eligible for coverage; however, if you enroll before your 65th birthday and maintain the plan, IMG will offer you another plan you can migrate to once you turn 75 called the Global Senior Plan.
