IMG
International Medical Group (IMG) is a global insurance provider specializing in international health insurance solutions for expatriates and travelers. Their Global Medical Insurance plan is designed specifically for individuals and families living outside their home country for extended periods, offering comprehensive worldwide coverage with flexible options to meet various needs and budgets.
Coverage Tiers & Benefits
Core Components
| Benefit | Silver | Platinum |
|---|---|---|
| Maximum Lifetime Medical Coverage | $5,000,000 | $8,000,000 |
| Inpatient Coverage | 100% in-network; 80% out-of-network. Maximum $600/day for 240 days (room & board); $1,500/day ICU (180 days); $400/day ancillary services | 100% in-network; 80% out-of-network. Average private room rate with no specific day limits |
| Emergency Room Coverage | 100% for injury; illness with $250 deductible if not admitted | 100% for injury; illness with $250 deductible if not admitted |
| Maternity Coverage | Excluded from coverage | Available after 10-24 months of continuous coverage. $2,500 separate maternity deductible; $50,000 lifetime maximum |
| Local Ambulance | Maximum $1,500 for injury or illness resulting in hospital admission | 100% coverage for injury or illness resulting in hospital admission |
Optional Components
| Benefit | Silver | Platinum |
|---|---|---|
| Outpatient Coverage | 100% in-network; 80% out-of-network. Limits: $70/physician visit; $50/chiropractic visit; $300/lab; $250/xray; $600/advanced imaging | 100% in-network; 80% out-of-network with no specific visit limits |
| Emergency Medical Evacuation | Maximum $50,000 (pre-approved) | Up to lifetime maximum (pre-approved) |
| Routine Physical Examinations | Child preventative care only (ages 18 and younger) – $70/visit, max 3 visits | Adult preventative care ($500 max) and child preventative care ($400 max) |
| Preventive Screening | Included in preventative care limits | Included in preventative care limits |
| Telehealth Consultations | Not specifically covered | Teladoc consultation covered (not subject to deductible/coinsurance) |
| Extreme Sports | Uncovered | High School Sports covered ($20,000 lifetime maximum, includes collision sports) |
| Dental Coverage | Uncovered | Covered with specific limits for preventative, minor and major restorative services |
| Vision Coverage | Uncovered | Routine eye exam ($100 max every 24 months) plus corrective lenses/frames ($150 max every 24 months) |
| Mental Health Coverage | Available after 12 months of continuous coverage | Available after 12 months of continuous coverage ($50,000 lifetime maximum) |
| Vaccinations | Healthy Travel Preventative Coverage ($250 lifetime max) | Healthy Travel Preventative Coverage ($250 lifetime max) |
| Bereavement Counseling | $300 lifetime maximum | $300 lifetime maximum |
Unique and Special Plan Features
24/7 Customer Service
Global customer service is implied throughout the policy documents, though specific hours are not mentioned.
Prepaid payment card provided by the insurer
No information about a prepaid payment card in the provided documents.
Mobile App
MyIMG customer portal mentioned for claims submission, but no specific mobile app referenced.
Medical Case Management Service
Medical Concierge Service helps navigate the U.S. healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments, maximizing plan benefits.
Other unique features
Hospital Indemnity benefit provides additional payment for overnight stays in hospitals outside the U.S. ($400-$500 per night). Second Surgical Opinion service available with reduced benefits if not obtained when required by the company.
Plan Rules
Minimum and Maximum Acceptance Age
Applicants must be at least 14 days old but not yet 75 years old at the time of application.
Plan is for individuals who live away from their home country for how long
U.S. citizens must reside outside the U.S. as of the effective date and for at least 6 months of the following 12 months. Non-U.S. citizens must reside outside the U.S. continuously for at least 6 months during the period of coverage.
Geographic Zones of Coverage
Two coverage areas available: Area 2 (Worldwide excluding United States, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan) and Area 3 (Worldwide).
Coverage in my home country
For U.S. citizens with Area 2 coverage: 30-day maximum per period for emergency illness or accident only. For U.S. citizens with Area 3 coverage: Coverage restricted to first 180 aggregate days during any one period of coverage.
Minimum duration of policy
365 days appears to be the standard period of coverage.
Plan cancellation policy
15-day “Review Period” after initial effective date allows full premium refund. After the Review Period, cancellation requires at least 5 days advance written request and is at the company’s discretion.
Can they exclude my new health conditions at renewal time?
The policy documents do not explicitly address whether new health conditions can be excluded at renewal time.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
Pre-certification required for: transplants, interfacility ambulance transfers, medical evacuations, orphan/biologic drugs, inpatient hospitalization, extended care facility, home nursing care, hospice care, radiation therapy, surgery/surgical procedures. Failure to pre-certify results in 50% reduction of eligible medical expenses.
Deductible and Cost-Share Options
Deductible amount specified on declaration page with 50% reduction (max $2,500) if using Medical Concierge or international providers. Coinsurance: 100% in-network and international; 80% out-of-network with $1,000 out-of-pocket maximum.
Pros & Cons
Insurer Details
Plan Name: Global Medical Insurance
Who is the insurer? SiriusPoint Specialty Insurance Corporation
Insurer’s Country: United States
Insurance Plan main website: http://www.imglobal.com/
