IMG Global Medical Insurance

Global Medical Insurance offers the flexible, long-term, worldwide medical insurance program for individuals and families. It provides Silver, Gold, Bronze, Gold Plus with lifetime maximum of $5,000,000 per individual and Platinum plan with lifetime maximum of $8,000,000 per individual.

What's covered?


Plan Maximum
Lifetime Maximum Limit?
  • Silver, gold, gold plus:$5,000,000 per individual
  • Platinum: $8,000,000 per individual
  • Bronze: $1,000,000 per individual

Eligibility
  • Individuals and families of all nationalities
  • Covered from the ages of 14 days to 74 years old. Travelers 75 years of age and older are not eligible and coverage ends at age 75

Deductible
Deductible Options?
  • Bronze, Silver: $250 to $10,000 per period of coverage
  • Gold, Gold plus: $250 to $25,000 per period of coverage
  • Platinum: $100 to $25,000 per period of coverage
PPO
Provider Network clarifications
PPO stands for Preferred Provider Organization and is a network of health care providers. Insurance companies form these in order to control the costs of health care.

Plan benefits

Global Term Life Insurance
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
Dental & Vision (Bronze, Silver, Gold, Gold Plus plan options) Dental: $750 calendar maximum $50 deductible (max. 2 per family) Class I - 90% (deductible is waived), Class II - 70%, Class III - 50% 6 month waiting period
Vision: Exams - up to $100 per 24 months Materials - up to $150 per 24 months
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