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, Platinum 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, Platinum:$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, Platinum: $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, Platinum 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

Benefits Details

Coverage Details BRONZE SILVER GOLD PLATINUM
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%
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
Crew Member Return $2,500 maximum limit.Not subject to deductible or coinsurance $2,500 maximum limit.Not subject to deductible or coinsurance $2,500 maximum limit.Not subject to deductible or coinsurance $2,500 maximum limit.Not subject to deductible or coinsurance
Interfacility Ambulance Transfer $1,500 maximum limit per event.Not subject to deductible or coinsurance. U.S. only $1,500 maximum limit per event.Not subject to deductible or coinsurance. U.S. only Subject to deductible and coinsurance .U.S. only Not subject to deductible or coinsurance. U.S. only
Child Preventative Care N/A $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. $200 maximum per period of coverage. Not subject to deductible or coinsurance. $400 maximum per period of coverage. Not subject to deductible or coinsurance.
Assistant Surgeon 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge
Emergency Evacuation $50,000 maximum per period of coverage. Not subject to deductible or coinsurance $50,000 maximum per period of coverage. Not subject to deductible or coinsurance Up to lifetime maximum limit.Not subject to deductible or coinsurance Up to maximum limit.Not subject to deductible or coinsurance
Emergency Local Ambulance $1,500 maximum limit per event.Not subject to deductible or coinsurance $1,500 maximum limit per event.Not subject to deductible or coinsurance Subject to deductible and coinsurance Not subject to deductible or coinsurance
Return of Mortal Remains $10,000 lifetime maximum.Not subject to deductible or coinsurance $25,000 lifetime maximum.Not subject to deductible or coinsurance $25,000 lifetime maximum.Not subject to deductible or coinsurance $50,000 lifetime maximum.Not subject to deductible or coinsurance
Maternity N/A N/A N/A $50,000 lifetime maximum.
Newborn preventative care: $200
Newborn care & congenital disorders: $250,000 (first 31 days after birth).
Traumatic Dental Injury $1,000 per period of coverage $1,000 per period of coverage Up to the lifetime maximum limit Up to the lifetime maximum limit
Surgery Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Chemotherapy or Radiation Therapy Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Physical Therapy $40 maximum per visit - 10 visit limit per event. $40 maximum per visit - 30 visit limit $50 maximum per visit $50 maximum per visit
Emergency Reunion $10,000 lifetime maximum.Not subject to deductible or coinsurance NA $10,000 lifetime maximum.Not subject to deductible or coinsurance $10,000 lifetime maximum.Not subject to deductible or coinsurance
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