Long-Term Expatriate Medical Insurance

• Freedom to choose your own health care provider, no matter where you are in the world.
• Select from four plans with multiple deductibles and modes of payment.
  
• Up to $250 for vaccinations and preventive prescriptions prior to travel.
• 50% of your deductible waived if treated outside the USA up to $2500, and no co-insurance.
• 50% of your deductible waived in the USA up to $2500 if you use IMG’s medical concierge service to select a care provider.
• Plans cover medical evacuation, and certain plans provide coverage for maternity or pre-existing conditions.

If you are going overseas as a volunteer or missionary, you could save money with the IMG GMMI plan.

IMG Global Medical Insurance allows you to choose from four levels of coverage, and to customize your length and area of coverage. It allows you to select from multiple deductibles and modes of payment to help fit your needs and budget.

IMG Makes It Affordable

While the costs of health care are rising worldwide, IMG is committed to keeping international health insurance premiums affordable. As part of that commitment, IMG offers a Medical Concierge program that saves you on out-of-pocket medical expenses. They also offer cash incentives if you receive treatment outside the U.S. and waive 50% of your deductible for treatment outside the U.S.. The IMG Global Medical Insurance program also provides different underwriting methods to extend medical coverage to you in case you were declined by other companies.

Pre-existing Medical Coverage

Bronze – Excluded

Silver/Gold – $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage**. Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted (see below).

Platinum – N/A

**If applicants can verify prior health insurance, with no significant break in coverage (63 days), IMG may accept this as “Creditable Coverage” and waive the 24 month waiting period (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 comprehensive health plan established or maintained by a State or the U.S. government).

Maternity on Platinum

Covers delivery, wellness, newborn care & congenital disorders on Family Matters Maternity Program (available after 10 months of coverage).

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth.

$2,500 additional deductible per pregnancy.

Need Help? Have questions? Give us a call at +1 (480) 813-9100 if you’d like help! Or use Skype