IMG Health Insurance for Expats
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 is an expat 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, options for your area of coverage, five optional add-on riders, multiple deductible options, and four modes of payment available. When you buy IMG health insurance, you can get the exact plan that satisfies your family's health needs at the right budget.
IMG Global Medical Insurance Highlights
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IMG Global Medical Insurance Video Overview
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.
| Plan Details | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Carrier | Sirius Specialty Insurance Corporation | |||
| Underwriting approach | Full Medical Underwriting | |||
| Period of Coverage | 12 months (Annually renewable) | |||
| Area of Coverage | Area 2: Worldwide excluding United States, Canada, China, Hong Kong, Japan, Singapore and Taiwan Area 3: Worldwide | |||
| Age | Up to Age 74 | |||
| Lifetime Maximum Per Individual | $1,000,000 | $5,000,000 | $5,000,000 | $8,000,000 |
| Deductible | $250-$10,000 | $250-$10,000 | $250-$25,000 | $100-$25,000 |
| Coinsurance | Medical Concierge: 100% U.S. in-network: 100% U.S. out-of-network: 80% up to $5,000 then 100% International:100% | |||
| Precertification | Transplants, Interfacility Ambulance Transfer, Medical Evacuation, Orphan Drugs or Biologic Drugs: No coverage if pre-certification requirements are not met. All other Treatments and supplies: 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met. | |||
| Pre-existing Conditions (Only applicable when insured is not on a certificate with creditable coverage.) | ||||
| Known Disclosed Conditions | N/A | Covered the same as any illness or injury unless excluded by a Rider | Covered the same as any illness or injury unless excluded by a Rider | Covered if disclosed and not excluded by a Rider |
| Non-disclosed Conditions | N/A | No Coverage | No Coverage | Covered if disclosed and not excluded by a Rider |
| Unknown Conditions After 24 months of continuous coverage | N/A | Period of Coverage: $5,000 Lifetime Maximum: $50,000 | Period of Coverage: $5,000 Lifetime Maximum: $50,000 | Covered if disclosed and not excluded by a Rider |
| Bronze | Silver | Gold | Platinum | |
|---|---|---|---|---|
| Inpatient | ||||
| Eligible Medical Expenses | | | | |
| Physician Visits | | | | |
| Hospitalization Room & Board | | $600 per day; 240 day max. | | |
| Ancillary Services | Covered under Hospitalization room & board/professional fees | $400 per day | Covered under Hospitalization room & board/professional fees | Covered under Hospitalization room & board/professional fees |
| Anesthesiologist & Anesthesia | | | | |
| Surgeon & Surgery | | | | |
| Reconstructive Surgery | | | | |
| Assistant Surgeon 20% of primary surgeon’s charges | | | | |
| Intensive Care Unit | | Maximum consecutive days: 180 Maximum Limit per day: $1500 | | |
| Extended Care Facility | | Maximum days: 30 | | |
| Hospice | | Maximum days: 30 (combined with outpatient) | | |
| Laboratory | | | | |
| Radiology/X-ray | | | | |
| Physical Therapy | | | $50 Maximum Limit per visit | $50 Maximum Limit per visit |
| Chemotherapy or Radiation Therapy | | | | |
| Prescriptions | | Included in Ancillary Services $400 per day limit | | |
| Transplants | $250,000 lifetime maximum Organ procurement and harvesting costs Lifetime Max: $10,000 Travel & Lodging Lifetime Maximum: $5,000 | $250,000 lifetime maximum Organ procurement and harvesting costs Lifetime Max: $10,000 Travel & Lodging Lifetime Maximum: $5,000 | $1,000,000 lifetime maximum Organ procurement and harvesting costs Lifetime Max: $10,000 Travel & Lodging Lifetime Maximum: $5,000 | $2,000,000 lifetime maximum Organ procurement and harvesting costs Lifetime Max: $20,000 Travel & Lodging Lifetime Maximum: $10,000 |
| Outpatient Services | ||||
| Eligible Medical Expenses | | | | |
| Physician/Specialist Visit | Maximum Limit: $500 (Prior to Inpatient Treatment) Maximum Limit: $500 (90 days following Inpatient Treatment or Outpatient Surgery) | Mental or Nervous disorders available after 12 months of continuous coverage Combined maximum visits: 25 Physician/Specialist maximum per visit: $70 Chiro max per visit: $50 (with referral from physician) Surgical Intervention Consultation max: $500 | | |
| Teleconsultation (Non-Insurance Benefit) | N/A | N/A | | |
| Hospital Emergency Room: International | | | | |
| Surgery/Outpatient; Surgical Facility & Surgeon | | | | |
| Anesthesiologist & Anesthesia | | | | |
| Reconstructive Surgery 20% of primary surgeon’s charges | | | | |
| Second Surgical Opinion | | | | |
| Laboratory | Maximum Limit per visit: $300 (Prior to and post Inpatient Treatment only) | Maximum Limit per visit: $300 | | |
| Radiology/X-ray | Maximum Limit per examination: $250 (Prior to and post Inpatient Treatment only) | Maximum Limit per examination: $250 | | |
| CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy | Maximum Limit per examination: $600 (Prior to Inpatient Treatment only) | Maximum Limit per examination: $600 | | |
| Chemotherapy or Radiation Therapy | | | | |
| Pre-Admin Testing | | | | |
| Durable Medical Equipment | | | | |
| Maternity | N/A | N/A | N/A | Available after 10 months of continuous coverage Maternity Deductible: $2,500 (In addition to plan Deductible) Lifetime Maximum: $50,000 |
| Newborn Care/Congenital Disorders | N/A | N/A | N/A | Maximum Limit: $250,000 Eligible if the Pregnancy is covered under the plan Routine Care during the first 31 days of life |
| Newborn Wellness | N/A | N/A | N/A | Maximum Limit: $200 Eligible if the Pregnancy is covered under the plan Routine Care after 31 days of life through 12 months |
| Podiatry Care | N/A | N/A | Maximum Limit: $750 | Maximum Limit: $750 |
| Physical Therapy Medical Order Required | Available for 90 days following Inpatient Treatment or Outpatient Surgery Maximum Limit per visit: $40 Maximum visits: 10 | Maximum Limit per visit: $40 Maximum visits per day: 1 Maximum visits: 30 | Maximum Limit per visit: $50 Maximum visits per day: 1 Medical order required | Maximum Limit per visit: $50 Maximum visits per day: 1 Medical order required |
| Home Nursing Care | Maximum days: 30 Maximum Limit per day: $150 | Maximum days: 30 | | |
| Hospice | N/A | Maximum days: 30 (combined with Inpatient) | | |
| Prescription Drugs and Medication | ||||
| Prescription Drugs, Dressings, and Durable Medical Equipment | Available for 90 days following Inpatient Treatment or Outpatient Surgery Maximum Limit per event: $600 (Orphan Drugs or Biologic Drugs do not apply to the Maximum Limit per event) | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event. U.S. Retail Pharmacy out-of-network: 80% International Retail Pharmacy: 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 Program | N/A | N/A | N/A | Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Dispensing maximum: 180 days |
| Orphan or Biologic Drugs | 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. Subject to deductible and coinsurance. |
| Preventative Care | ||||
| Child Preventative Care | N/A | Maximum Limit per visit: $70 Maximum visits: 3 | Maximum Limit: $200 | Maximum Limit: $400 |
| Adult Preventative Care | N/A | N/A | Maximum Limit: $250 | Maximum Limit: $500 |
| Vision Care | ||||
| Routine Eye Examination | N/A | N/A | N/A | Maximum Limit every 24 months: $100 |
| Contact Lenses, Contacts, Frames | N/A | N/A | N/A | Maximum Limit every 24 months: $150 |
| Other Services | ||||
| Complementary Medicine | N/A | N/A | N/A | Maximum Limit: $500 Services include Acupuncture, Aromatherapy, Herbal Therapy, Magnetic Therapy, Massage Therapy and Vitamin Therapy |
| Dental Treatment | N/A | N/A | Max limit: $100 (Treatment due to unexpected pain to sound natural teeth) Max limit: $500 (Non-emergency Treatment at a Dental Provider’s office due to an Accident) | $750 per period of coverage $50 deductible (max. 2 per family) Routine services-90% (deductible waived) Minor restorative- 70% Major restorative- 50% 6 month waiting period |
| Traumatic Dental Injury | Maximum Limit: $1,000 | Maximum Limit: $1,000 | | |
| High School Sports | N/A | N/A | N/A | Lifetime Maximum: $20,000 Includes Collision Sports |
| Healthy Travel Preventative Coverage | Lifetime Maximum: $250 | Lifetime Maximum: $250 | Lifetime Maximum: $250 | Lifetime Maximum: $250 |
| Supplemental Accident | N/A | N/A | Maximum Limit per Accident: $300 | Maximum Limit per Accident: $500 |
| Mental or Nervous Counseling | ||||
| Mental or Nervous After 12 months of continuous coverage; no waiting period for Platinum | N/A | Outpatient after 12 months of continuous coverage | Maximum Limit: $10,000 Lifetime Maximum: $50,000 | Lifetime Maximum: $50,000 |
| Bereavement Counseling | N/A | Lifetime Max: $300 | Lifetime Max: $300 | Lifetime Max: $300 |
| Remote Mental Health Service (Non-Insurance Benefit) | N/A | N/A | N/A | |
| Emergency Services | ||||
| Emergency Local Ambulance Injury/illness resulting in an Inpatient Hospital admission | Maximum Limit per incident: $1,500 | Maximum Limit per incident: $1,500 | | |
| Emergency Medical Evacuation | Maximum Limit: $50,000 | Maximum Limit: $50,000 | Maximum Limit: $50,000 | Up to the Lifetime Maximum |
| Emergency Reunion | Lifetime Maximum: $10,000 Maximum days: 15 Meal Maximum Limit per day: $25 | N/A | Lifetime Maximum: $10,000 Maximum days: 15 Meal Maximum Limit per day: $25 | Lifetime Maximum: $10,000 Maximum days: 15 Meal Maximum Limit per day: $25 |
| Interfacility Ambulance Transfer (United States Only) | Maximum Limit per incident: $1,500 | Maximum Limit per incident: $1,500 | | |
| Political Evacuation and Repatriation | N/A | N/A | N/A | Lifetime Maximum: $10,000 |
| Remote Transportation | N/A | N/A | N/A | Maximum Limit: $5,000 Lifetime Maximum: $20,000 |
| Return of Mortal Remains | Maximum Limit: $25,000 | Maximum Limit: $25,000 | Maximum Limit: $25,000 | Maximum Limit: $50,000 |
Expand your IMG Global Medical Insurance Coverage with Additional Riders
With IMG Global Medical Plans, you're not limited to just the core coverage. Tailor your plan to fit your unique needs, ensuring every member of your family receives the comprehensive care they deserve.
Ready to choose your plan?
Our specialists are here to guide you through a personalized quote.
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
Ready to choose your plan?
Our specialists are here to guide you through a personalized quote.
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.
Related: Insurance for Older Expats or Seniors Retiring Abroad
IMG Global Medical Plan FAQ
- Coverage for expatriate professionals, individuals, or families living or working abroad
- Contract employees living and working abroad
- Seniors who reside six months or longer outside the U.S. per year
- Digital nomads who travel the globe and need coverage worldwide
We recommend a group international plan for groups of 5 or more. The IMG Travel Insurance provides emergency medical and travel insurance for those going abroad for less than a year. A business travel insurance plan may be better for your organization's employees if they are abroad for less than a year.
This plan is available to individuals and families of all nationalities.
U.S. citizens must plan to leave the U.S. on or before their effective date (or renewal date) and reside outside the U.S. for at least 6 out of the next 12 months.
Coverage for non-U.S. citizens is worldwide, although certain eligibility restrictions may apply to non-U.S. citizens residing in the U.S.
Persons from 14 days to 74 years old may apply for coverage.
The IMG Global Medical Insurance plan is a medically underwritten plan, which means that your family’s medical status and history will be used to determine your eligibility for coverage. Once you submit your application, an underwriter will review it within five business days. Within that period, you will hear back from the underwriters, and they will do one of the following:
- Issue coverage and complete your application
- Request further documentation regarding your past medical history
- Apply a rider to your coverage that limits or excludes certain medical conditions
- Apply a premium increase due to your medical and/or family history
- Deny coverage
You will be notified of the status of your application once complete or if further information is needed. You will be notified if a rider or premium increase is added to your plan. If you are issued a rider, you will receive a 30-day ‘free look’ period. If you do not like the proposed coverage terms, you can cancel coverage within the 30-day free look, and you will receive a full refund of your premium.
For short-term coverage or a plan without underwriting requirements, consider an IMG Travel Insurance plan.
Subject to the plan's terms set by the plan administrator, International Medical Group, this policy is annually renewable, and coverage is continuous when renewed. Before the end of each period of coverage (12 months), you will receive renewal information. You must continue to meet the eligibility requirements outlined above to renew. You have the option to renew online, or you may complete a paper application. There are no additional medical questions at renewal, and IMG can work with you to provide flexible renewal options. Please select your deductible and plan option carefully, as you cannot select a lower deductible or increase your plan option when you renew your coverage.
Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance program by your 65th birthday and maintain continuous coverage to age 75. Before your 75th birthday, you will receive a summary of benefits for the 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. Your benefits may be limited once you transition to the Senior Plan.
The IMG Global Medical plan can be purchased online using a credit card or debit card. When applying for the plan, you will be able to choose your frequency of payment from paying annually, semi-annually, quarterly, or monthly, with discounts available when you pay for a larger period of time at once. While your payment details are required to be included on your online application, your card will not be charged until the underwriting review process has been completed.
Lifetime medical coverage is available only if you are enrolled in the plan by your 65th birthday and maintain continuous coverage to age 75. Before 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 need to review the benefits and complete and return the enrollment form with your premium.
When you request a quote for coverage from our licensed agents, they will provide you with different options for your situation. You can ask your agent about coverage for people over age 65.
Also see: Insurance for Older Expats or Seniors Retiring Abroad
Once you are accepted into the plan, IMG gives subscribers 15 days to review the fulfillment kit contents. If during that 15-day period you find that you are not satisfied with the plan, you may submit a written request for cancellation and a full refund of your premium. See the Certificate of Insurance for full details.
Cancellation requests received after this 15-day period will be granted at the sole discretion of IMG as the plan administrator. Any refund you may receive will be based on an established refund schedule, not a pro-rated basis. See the Certificate of Insurance for full details.
Usual Reasonable and Customary, or URC, is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area.
You can instantly access a list of providers and facilities within the IMG’s PPO and International Doctor Network online. The directories allow you to search by location, physician or facility name, or specialty.
If you require treatment outside the U.S., we provide you access to our International Provider AccessSM (IPA), a database that includes more than 17,000 highly qualified physicians and facilities that encompass a comprehensive array of specialties to handle any health care emergency. Our direct billing arrangements can also ease the time and upfront expense at select providers.
Ready to choose your plan?
Our specialists are here to guide you through a personalized quote.
