IMG Expatriate Health Insurance
IMG Worldwide Medical Insurance is an expatriate health insurance plan that provides worldwide medical coverage for you and your family. Available in all countries, IMG Global Medical Plans are ideal for international citizens living and working outside their home countries and offer some of the most comprehensive benefits backed by global services. The plan is fully customizable with multiple levels of coverage, two options to apply to your coverage, five optional additional riders, multiple deductible options, and four available payment methods. When you purchase international medical insurance, you can get an exact plan for your family’s health needs at the right budget.
IMG Global Health Insurance Highlights
Overall Maximum Coverage
Plan levels offer maximum coverage from $1,000,000 to $8,000,000.
Bronze and Silver tiers have a policy maximum of $50,000 per policy period, and Gold and Platinum tiers have a maximum lifetime policy maximum.
All plan levels include prescription coverage with varying limits.
Choice of coverage area
Worldwide or Global excludes the United States, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan.
IMG Worldwide Medical Insurance Benefits
With IMG Worldwide Medical Insurance Plans, you can choose a level with the benefit package that best suits your needs. All plans cover inpatient care, outpatient care, prescription drugs, chemotherapy and radiation therapy, physical therapy, organ transplants, emergency evacuation. Each even includes a healthy travel supplement for vaccinations and other preventative medical care before you embark on your journey. You can also add coverage for terrorism, sports, dental and vision, and accidental death and dismemberment. IMG Global Health Insurance also offers additional worldwide term life insurance, which, unlike your family policy, pays out to your heirs should misfortune befall you, no matter where in the world you are.
How much does IMG Worldwide Medical Insurance cost?
The cost of your IMG global expatriate health insurance plan depends on a variety of factors. Your age and destination both affect your IMG health insurance premiums. You can also choose from several different areas to get the exact coverage you need at the right price.
Choose from two coverage areas:
- Worldwide excluding US, Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan
- Choose the coverage area that best reflects the geographic area you need. Each offers comprehensive coverage, but premiums reflect the cost of care in different parts of the world. No matter which coverage area you choose, you are free to choose your own provider.
- Multiple Deductible Options – A deductible is an amount you agree to pay out of pocket before your insurance company starts paying for services. Your premiums will be reduced, but you may have to pay some bills yourself. IMG gives you seven different deductible options to choose from—all at different premium levels. Plus, your deductible can be reduced by up to 50%, up to a maximum of $2,500.
- Four premium models – you can choose to pay your full premium upfront for extra savings, or pay monthly to spread the cost over the year. Choose one of these four advanced modes.
- Annual (Maximum Savings)
- per month
IMG Global Medical Insurance Eligibility
The IMG Global Medical Plan is available for all nationalities (US and non-US citizens) from 14 days to 74 years of age. U.S. citizens must plan to be away from their home country for at least 6 of the 12 months covered by the plan year. Those 75 and over are not eligible for coverage; however, if you enroll and maintain the plan before your 65th birthday, IMG will offer you another plan that you can migrate to after you turn 75, saying It is the Global Senior Plan.