IMG Health Insurance for Expats
IMG Global Medical Insurance is an expat health insurance plan designed to provide you and your family with 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 with worldwide service. The plan is fully customizable, with multiple levels of coverage, two options for 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 for you.
IMG Global Medical Insurance is an expat health insurance plan designed to provide you and your family with 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 with worldwide service. The plan is fully customizable, with multiple levels of coverage, two options for 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 for you.
IMG Global Medical Insurance Video Overview
IMG Global Medical Insurance Highlights
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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.
IMG Global Medical Detailed Benefits Tables
| Lifetime Maximum Limit | $1,000,000 per individual | $5,000,000 per individual | $5,000,000 per individual | $8,000,000 per individual |
| Deductible (Per period of coverage) | $250 to $10,000 | $250 to $10,000 | $250 to $25,000 | $100 to $25,000 |
| Deductible Carry Forward | Included | Included | Included | Included |
| Treatment outside the U.S | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. |
| Treatment inside the U.S. using Medical Concierge | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. |
| Treatment inside the U.S. - PPO Network | Subject to deductible. No coinsurance. | Subject to deductible. No coinsurance. | Subject to deductible. No coinsurance. | Subject to deductible. No coinsurance. |
| Treatment inside the U.S. - Non-PPO Network | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. |
| Coinsurance | International - 100% U.S. in-network – 100% U.S. out-of-network - 80% | International - 100% U.S. in-network – 100% U.S. out-of-network - 80% | International - 100% U.S. in-network – 100% U.S. out-of-network - 80% | International - 100% U.S. in-network – 100% U.S. out-of-network - 80% |
| Outpatient | $300 maximum per visit - lab tests; $250 maximum per visit - diagnostic X-rays. $500 maximum limit - specialists/ physician charges (pre-inpatient / post-inpatient). Subject to deductible and coinsurance. | $300 maximum per visit - lab tests; $250 maximum per visit -diagnostic X-rays. 25 combined maximum visits $70 per visit/examination - specialists/physician charges $50 per visit/examination - chiropractor charges $500 per consultation - surgery intervention consultation charges. Subject to deductible and coinsurance. | Subject to deductible and coinsurance. | |
| Mental/Nervous | N/A | Subject to deductible and coinsurance. Outpatient after 12 months of continuous coverage. | Subject to deductible and coinsurance. $10,000 maximum. Available after 12 months of continuous coverage. | Subject to deductible and coinsurance. $50,000 lifetime maximum. Available after 12 months of continuous coverage. |
| Hospital Emergency Room Injury | Subject to deductible and coinsurance. | |||
| Hospital Emergency Room Illness | Subject to deductible and coinsurance. Covered only if admitted as inpatient. | Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient. | ||
| Hospitalization/ Room & Board | Subject to deductible and coinsurance for average semiprivate room rate. | Subject to deductible and coinsurance for average semiprivate room rate. All subject to $600 per day /240 day maximum. | Subject to deductible and coinsurance for average semiprivate room rate. | |
| Intensive Care Unit | Subject to deductible and coinsurance. | Subject to deductible and coinsurance. $1,500 limit per day - 180 days of coverage per event. | Subject to deductible and coinsurance. | |
| CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy | Subject to deductible and coinsurance $600 maximum limit per examination. | Subject to deductible and coinsurance. | ||
| Surgery | Subject to deductible and coinsurance. | |||
| Assistant Surgeon | 20% of primary surgeon’s charge. | |||
| Chemotherapy or Radiation Therapy | Subject to deductible and coinsurance. | |||
| Maternity Delivery, preventative care, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage). | N/A | $2,500 additional deductible per pregnancy. $50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days-12 months after birth. $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth. | ||
| Podiatry Care | N/A | $750 maximum limit. | ||
| Physical Therapy | Subject to deductible and coinsurance. $40 maximum per visit - 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery. | Subject to deductible and coinsurance. $40 maximum per visit - 30 visit limit. | Subject to deductible and coinsurance. $50 maximum per visit. | |
| Transplants | $250,000 lifetime maximum | $1,000,000 lifetime maximum | $2,000,000 lifetime maximum | |
| Prescription Coverage | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event. | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event. | Subject to deductible and coinsurance. 90-day supply per prescription. Outpatient only. | International - 100% Inside U.S. - Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription. |
| Healthy Travel Preventative Coverage | $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination. | |||
| Vision | Optional Rider | $100 maximum per 24 months for exams. $150 per 24 months for materials. | ||
| Emergency Local Ambulance (Injury or Illness resulting in an inpatient hospital admission) | $1,500 maximum limit per event. Not subject to deductible or coinsurance. | Subject to deductible and coinsurance. | Not subject to deductible or coinsurance. | |
| Emergency Evacuation | $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. | Up to lifetime maximum limit. Not subject to deductible or coinsurance. | ||
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance. | N/A | $10,000 lifetime maximum. Not subject to deductible or coinsurance. | |
Optional Coverage for IMG Global Expat Medical Insurance
Optional Coverage Schedule of Benefits
| Description | ||
|---|---|---|
| Global Term Life Insurance (Amounts shown are the Principal Sums per unit) | Age 31 days - 18 years: $5,000 Age 19 - 29 years: $75,000 Age 30 - 39 years: $50,000 Age 40 - 44 years: $35,000 Age 45 - 49 years: $25,000 Age 50 - 54 years: $20,000 Age 55 - 59 years: $15,000 Age 60 - 64 years: $10,000 Age 65 - 69 years: $7,500 | |
| Accidental Death & Dismemberment (AD&D) Included with Global Term Life Insurance | Accidental Loss of Life: Principal Sum* Accidental Total Loss of 2 Members**: Principal Sum* Accidental Total Loss of 1 Member**: 50% of Principal Sum* (*Benefit based on age at time of death; **“Member” means hand, foot or eye.) | |
| Terrorism (Platinum plan option) | $50,000 lifetime maximum for Eligible Medical Expenses arising out of injury or illness incurred by the Insured as a result of or in connection with an act of terrorism. | |
| Sports (Gold and Platinum plan options.) | $10,000 lifetime maximum for amateur athletics. Adventure Sports: Through age 49 years: $50,000 lifetime maximum Age 50 years through age 59 years: $30,000 lifetime maximum Age 60 years through age 64 years: $15,000 lifetime maximum | |
| Dental & Vision (Bronze, Silver, and Gold plan options) | Dental $750 per period of coverage $50 deductible (max. 2 per family) Routine services - 90% (deductible is waived), Minor restorative - 70%, Major restorative- 50% 6 month waiting period | Vision Exams - up to $100 per 24 months Materials - up to $150 per 24 months |
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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 have an effect on your IMG health insurance premium. You can also make choices in several different areas in order 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 the coverage area you choose, you maintain the freedom to choose your own provider.
- Multiple deductible options – A deductible is a cost you agree to pay out of pocket before your insurance will begin to pay for services. Your premium will be reduced, but you may have to pay some bills on your own. IMG offers you a choice between seven different deductible options – all providing different premium levels. Additionally, your deductible can be reduced up to 50% to a $2,500 maximum.
- Four premium modes – You can choose to pay your entire premium upfront for bigger savings or pay monthly in order to spread costs out across the year. Choose one of these four premium modes.
- Annual (biggest savings)
- Semi-annual
- Quarterly
- Monthly
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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 out 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
Can I Renew IMG Global Medical Insurance Coverage Each Year?
So long as you are eligible, you may continue to renew and can maintain continuous coverage. However, you cannot change your deductible or coverage level when you renew. You will receive a notice at the end of your coverage year offering you the option to renew your policy.
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
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 the ages of 14 days to 74 years old may apply for coverage.
The IMG Global Medical 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 have submitted your application it will be reviewed within 5 business days by an underwriter. 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. If a rider or premium increase is added to your plan you will be notified. If you are issued a rider you will be provided with a 30 day ‘free look’ period. If you do not like the proposed coverage terms, you can simply cancel coverage within the 30-day free look and you will receive a full refund of your premium.
Subject to the terms of the plan, this plan 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 will be unable to select a lower deductible or increase your plan option when you renew your coverage.
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 simply need to review the benefits, and complete and return the enrollment form with your premium.
Once you are accepted into the plan IMG gives subscribers a 15 day period to review the fulfillment kit contents. If during that 15 day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and 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.
