Best International Health Insurance Companies
Discover the best international health insurance companies, ranked by coverage options, network size, claims process, and financial stability, and find the ideal plan.
IMG Global Medical Insurance
Key Takeaways
- IMG Global Medical Insurance offers annually renewable health coverage for individuals and families living abroad, with lifetime maximums ranging from $1 million to $8 million.
- Choose from Bronze, Silver, Gold, and Platinum tiers, with different outpatient benefits, preventive care, coverage limits, and optional riders.
- Your premium depends on factors including age, destination, benefit tier, and deductible. Compare out-of-pocket costs alongside the price.
- Applicants ages 14 days through 74 may apply, subject to medical underwriting and eligibility requirements.
International Health Insurance for Expats and Families
IMG Global Medical Insurance provides annually renewable international health coverage for individuals and families living or working abroad. Choose from four benefit tiers, Bronze, Silver, Gold, and Platinum, with different coverage limits and benefits.
You can tailor your plan through deductible choices, geographic coverage options, and optional riders. Compare the tiers below to understand their outpatient benefits, preventive care, and other features before requesting a quote.
Applications are subject to medical underwriting, which may affect eligibility, premiums, and coverage terms.
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.
Watch: IMG Global Medical Insurance Overview
Which IMG Global Medical Plan Fits Your Needs?
IMG Global Medical Insurance offers four plan tiers. Bronze provides hospital coverage with restricted outpatient benefits. Silver adds outpatient benefits with defined service limits, while Gold offers broader outpatient coverage and adult preventive care. Platinum adds maternity benefits, routine dental and vision coverage, and a higher lifetime maximum.
Use the guide below to identify tiers worth considering, then review the detailed benefits comparison to assess coverage limits, waiting periods, and tradeoffs.
Who needs coverage? | Plans to consider | What should guide your choice? |
Individuals living or working abroad | Silver or Gold | Consider Silver if you’re comfortable with defined outpatient visit and service limits. Compare Gold for broader outpatient benefits and adult preventive care. |
Individuals prioritizing hospital coverage | Bronze | Consider Bronze if you accept restricted outpatient benefits. Review its treatment-related limits on doctor visits, tests, and prescriptions carefully. |
Families with children | Silver, Gold, or Platinum | Compare child preventive care, outpatient limits, prescriptions, and total family out-of-pocket costs. Gold and Platinum offer broader outpatient benefits than Silver. |
Individuals or couples planning a pregnancy | Platinum | The only tier with maternity and newborn benefits. A 10- or 24-month maternity waiting period, additional deductible, and eligibility conditions apply. |
Retirees living abroad | Gold or Platinum | Compare outpatient care, prescriptions, preventive benefits, and underwriting terms for existing conditions. Confirm age eligibility and options for continuing coverage after age 74. |
Individuals or families wanting more included benefits | Platinum | Consider Platinum for its higher lifetime maximum, private-room hospital benefit, and included routine dental and vision coverage. Benefit limits and waiting periods apply. |
These are starting points for comparing benefits. Your age, destination, budget, medical history, and underwriting terms should guide your final choice.
IMG Global Medical Coverage
Secure your health abroad with trusted IMG plans.
IMG Global Medical Insurance Benefits
Compare the plans below to see how benefits differ, including preventive care, mental health treatment, maternity, and dental and vision coverage.
Benefit | Bronze | Silver | Gold | Platinum |
Lifetime maximum per person | $1 million | $5 million | $5 million | $8 million |
Outpatient doctor visits | Limited benefits before inpatient treatment and within 90 days after inpatient treatment or outpatient surgery; separate $500 maximums | $70 per physician/specialist visit; combined 25-visit maximum applies | Covered, subject to policy terms | Covered, subject to policy terms |
Retail prescription medication | Available for 90 days following inpatient treatment or outpatient surgery; $600/event maximum, with separate rules for orphan/biologic drugs | Up to 90-day supply per prescription related to a covered event; deductible and coinsurance apply | Up to 90-day supply per prescription; deductible and coinsurance apply | US: $20 generic/$25 brand when generic unavailable, per 30-day supply using required drug card. International: deductible applies |
Adult preventive care-ages 19+ | Not included | Not included | $300/coverage period | $600/coverage period |
Child preventive care-ages 18 and younger | Not included | $85/visit; maximum 3 visits/coverage period | $240/coverage period | $480/coverage period |
Mental health treatment | Not included | Outpatient treatment after 12 months; counts toward combined 25-visit maximum | After 12 months; $10,000/coverage period and $50,000 lifetime maximum | After 12 months; $50,000 lifetime maximum |
Maternity | Not included | Not included | Not included | $50,000 lifetime maximum; 10- or 24-month waiting period based on underwriting; additional $2,500 maternity deductible |
Newborn care/congenital disorders | Not included | Not included | Not included | $250,000 maximum for eligible care during the first 31 days; pregnancy must be covered |
Newborn wellness | Not included | Not included | Not included | $200 maximum for eligible routine care after 31 days through 12 months; pregnancy must be covered |
Emergency medical evacuation | $50,000/coverage period | $50,000/coverage period | Up to $5 million lifetime maximum | Up to $8 million lifetime maximum |
Routine dental-base plan | Not included | Not included | Not included; separate limited pain/accident benefits apply | $750/coverage period after 6 months; $50 deductible for restorative services; reimbursement percentages apply |
Routine vision-base plan | Not included | Not included | Not included | Exam: $100; corrective lenses, contacts and frames: $150; each limit applies every 24 months |
Optional Benefits and Riders
Customize your IMG Global Medical plan with optional benefits for eligible sports, dental and vision care, term life insurance with accidental death and dismemberment benefits, terrorism, and mobile device protection. Availability, eligibility requirements, and coverage limits vary by tier and rider.
The optional terrorism benefit* provides up to $50,000 in coverage if you are harmed in a terrorist incident and need to file a related claim.
*Platinum plan only.
Enhance your time overseas by adding IMG’s optional sports rider*, which covers an extensive list of adventure sports, providing up to $50,000 in benefits, along with $10,000 in added coverage for amateur athletic activities.
*Gold and Platinum plans only.
The dental and vision rider* allows all policyholders to add coverage for routine care, restorative treatments, exams, and related materials. It can be applied to the entire family, and Platinum members already receive these benefits automatically.
*Bronze, Silver, and Gold plans only.
IMG Global Medical Coverage
Secure your health abroad with trusted IMG plans.
How Much Does IMG Global Medical Insurance Cost?
Your IMG Global Medical Insurance premium depends on your age, destination, benefit tier, deductible, optional riders, and underwriting outcome. You can adjust several plan features to balance your premium with the coverage you need.
Choose Your Coverage Area
IMG offers two geographic coverage options:
- Worldwide
- Worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Choose an area that includes the countries where you expect to need medical care. Geographic coverage affects your premium, and treatment remains subject to your plan’s benefits, limits, and exclusions. Provider choice and U.S. network use can also affect your out-of-pocket costs.
Compare Deductible Options
A deductible is the amount you pay toward eligible medical expenses before applicable insurance benefits begin. A higher deductible generally lowers your premium but increases what you may need to pay when receiving care.
Available deductibles vary by benefit tier:
- Bronze and Silver: $250-$10,000
- Gold: $250-$25,000
- Platinum: $100-$25,000
For qualifying international treatment or care arranged through IMG’s U.S. Medical Concierge service, your deductible may be reduced by 50%, with a maximum reduction of $2,500, subject to policy terms.
Also review coinsurance, copayments, and benefit limits when comparing your total potential costs.
Select Your Payment Schedule
Choose from four premium payment schedules:
- Annual
- Semi-annual
- Quarterly
- Monthly
Compare the total annual premium for each option. Paying annually may offer savings, while monthly payments spread the cost throughout the year.
IMG Global Medical Coverage
Secure your health abroad with trusted IMG plans.
IMG Global Medical Insurance Eligibility
IMG Global Medical Insurance accepts applications from individuals and families of all nationalities, from 14 days old through age 74. Acceptance is subject to medical underwriting and the plan’s eligibility requirements.
U.S. citizens choosing worldwide coverage must be outside the United States on their initial effective date and spend at least six of the following 12 months abroad. They must also spend at least six months outside the U.S. during each renewal coverage period. Additional restrictions apply to non-U.S. citizens applying while in the United States.
Continuing Coverage After Age 75
New applicants age 75 or older are not eligible for Global Medical Insurance. However, members who enroll by their 65th birthday and maintain continuous coverage through age 75 may transition to IMG’s Global Senior Plan without additional medical underwriting.
Eligible members must complete the required enrollment process and pay the applicable premium. The Global Senior Plan has different benefits and limits, so review its terms before transitioning.
Retiring Abroad
FAQs
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Coverage depends on the tier, applicable policy version, medical underwriting, and any exclusions or restrictions attached to your policy. Disclosing a condition does not guarantee coverage. Review your offered terms carefully before accepting the plan.
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IMG reviews your application and medical history to determine whether it can offer coverage and on what terms. It may approve your application, request additional information, offer coverage with exclusions or a higher premium, or decline the application.
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The plans are annually renewable, subject to continued eligibility, premium payment, and the applicable renewal terms. Premiums and policy terms may change. Review your renewal documents for any changes to benefits, exclusions, or costs.
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U.S. coverage depends on your selected geographic coverage area and eligibility. The worldwide option includes U.S. benefits, subject to applicable residency and time restrictions.
The option excluding the U.S. and certain other destinations provides limited U.S. coverage for emergency illness or accidents, with a 30-day maximum per coverage period and a requirement to use PPO providers. Review your policy before relying on this benefit.
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Use IMG’s provider directories to search for doctors, hospitals, and other facilities. Before receiving care, check your coverage, any pre-certification requirements, and whether the provider can bill IMG directly. Direct billing is not guaranteed.
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IMG offers a 15-day review period beginning on the initial effective date. To qualify for a full premium refund under this provision, your cancellation request must meet the policy’s requirements and be received within that period.
After the review period, cancellation and any refund are subject to the policy terms. Refunds are not necessarily calculated on a prorated basis.