Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanTemporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.
Show ServicesMeet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesChoose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanTemporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.
Show ServicesMeet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesMaximum Limit | $5,000,000 per period of coverage |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Deductible | $0 | $0 | $100 - $10,000 | $100 - $10,000 |
Family Deductible
| $0 | $0 | 3 deductibles | 3 deductibles |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Sudden and Unexpected Reoccurrence of Pre-Existing Conditions
| Not applicable | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Eligible Medical Expenses | 100% | 100% | 80% | 100% |
Physician Visits/Services | Not applicable | 100% | 80% | 100% |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
Intensive Care | 100% | 100% | 80% | 100% |
COVID-19/SARS-CoV-2 Coverage | Charges for treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
Laboratory | Not applicable | 100% | 80% | 100% |
Radiology/X-Ray | 100% | 100% | 80% | 100% |
Chemotherapy/Radiation Therapy | 100% | 100% | 80% | 100% |
Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Routine Eye Examination
| Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 |
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Prescriptions
| Not applicable | 80% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Per Calendar Year | $20,000 | $20,000 | $20,000 | $20,000 |
Inpatient Mental or Nervous/Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| Not applicable | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
|
|
|
|
Remote Mental Health Service*
| Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Telehealth** | Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Medical Travel Management
| Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 80% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
**Telehealth will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Telehealth is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Telehealth where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.
Calendar Year Maximum Limit | $1,000 - $1,500 - $3,000 |
Calendar Year Orthodontia Maximum Limit | $1,000 - $1,500 - $3,000 |
Deductible
| $50 |
Family Deductible
| $150 |
Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Radiographs
| Plan pays 80% | Insured pays 20% |
Oral Surgery | Plan pays 80% | Insured pays 20% |
Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Orthodontia
| Plan pays 50% | Insured pays 50% |
**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).
Currency Options | Available in $USD or €EUR |
Maximum Limit | $5,000,000 per period of coverage |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Deductible | $0 | $0 | $100 - $10,000 | $100 - $10,000 |
Family Deductible
| $0 | $0 | 3 deductibles | 3 deductibles |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Eligible Medical Expenses | 100% | 100% | 80% | 100% |
Physician Visits/Services | Not applicable | 100% | 80% | 100% |
Teladoc Consultation*
| Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
Intensive Care | 100% | 100% | 80% | 100% |
COVID-19/SARS-CoV-2 Coverage | Charges for treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
Laboratory | Not applicable | 100% | 80% | 100% |
Radiology/X-Ray | 100% | 100% | 80% | 100% |
Chemotherapy/Radiation Therapy | 100% | 100% | 80% | 100% |
Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 100% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Routine Eye Examination
| Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 |
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International | ||||||||||
Prescriptions
| Not applicable | 80% | 80% | 100% | ||||||||||
United States Retail Pharmacy
| Universal RX (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States. Retail Pharmacy Copayments:
| |||||||||||||
International Prescriptions
| Coinsurance: 100%
|
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Per Calendar Year | $20,000 | $20,000 | $20,000 | $20,000 |
Inpatient Mental or Nervous/Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| Not applicable | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
|
|
|
|
Remote Mental Health Service*
| Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Telehealth** | Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Medical Travel Management
| Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 80% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
**Telehealth will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Telehealth is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Telehealth where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.
Calendar Year Maximum Limit | $1,000 - $1,500 - $3,000 |
Calendar Year Orthodontia Maximum Limit | $1,000 - $1,500 - $3,000 |
Deductible
| $50 |
Family Deductible
| $150 |
Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Radiographs
| Plan pays 80% | Insured pays 20% |
Oral Surgery | Plan pays 80% | Insured pays 20% |
Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Orthodontia
| Plan pays 50% | Insured pays 50% |
**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).
Period of Coverage | Maximum Limit: 365 days |
Calendar Year Maximum Limit | Unlimited |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Deductible | $0 | $0 | $0 | $0 |
Family Deductible
| $0 | $0 | $0 | $0 |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
Pre-existing conditions are covered the same as any other illness or injury. |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Eligible Medical Expenses | 100% | 100% | 80% | 100% |
Physician Visits/Services | Not applicable | 100% | 80% | 100% |
Teladoc Consultation*
| Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
Intensive Care | 100% | 100% | 80% | 100% |
COVID-19/SARS-CoV-2 Coverage | Charges for treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
Laboratory | Not applicable | 100% | 80% | 100% |
Radiology/X-Ray | 100% | 100% | 80% | 100% |
Chemotherapy/Radiation Therapy | 100% | 100% | 80% | 100% |
Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Acupuncture
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Routine Eye Examination
| Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 |
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
United States Retail Pharmacy
| Universal RX (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States. Retail Pharmacy Copayments:
| |||
International Prescriptions
| Coinsurance: 100%
Expatriate Prescription Services Program
Contact Information:
Prescription Submission:
Questions/Concerns:
|
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Per Calendar Year | $20,000 | $20,000 | $20,000 | $20,000 |
Inpatient Mental or Nervous/Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| Not applicable | 100% | 80% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
|
|
|
|
Remote Mental Health Service*
| Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Telehealth** | Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Medical Travel Management
| Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 100% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
**Telehealths will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Telehealth is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Telehealth where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.
Calendar Year Maximum Limit | $1,500 - $3,000 |
Calendar Year Orthodontia Maximum Limit | $1,500 - $3,000 |
Deductible
| $50 |
Family Deductible
| $150 |
Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Radiographs
| Plan pays 80% | Insured pays 20% |
Oral Surgery | Plan pays 80% | Insured pays 20% |
Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Orthodontia
| Plan pays 50% | Insured pays 50% |
Group Life benefit automatically includes:
10 or fewer IMG insured employees:
Automatically approved up to $100,000 if member is approved for the medical plan
Group Life can be issued as a flat amount (e.g. $50,000) or by salary (e.g. 2 x salary)
Group Life reduction schedule:
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete array of emergency travel assistance services so they can spend more time enjoying their international experience and spend less time worrying about the smaller issues. Some services provided include:
If you need to send personal information such as medical records, payment information, etc., please use our Secure Message Center.