Why we like it:
IMG Global Medical Insurance (GMI) is one of our most popular plans for international business people and expatriates up to age 75 on a budget. It is a flexible, long-term, annually renewable, U.S.-style major medical insurance plan. It was designed to be affordable for both Non-U.S. and U.S. citizens living abroad, as well as local nationals. We like that it offers rich benefits for a low price. Your deductible is reduced by 50% for care received outside the U.S.
Seniors with dual residencies six months or longer outside the U.S. also like this plan.
Good for:
- Business people and Contract employees living and working abroad
- Those looking for rich benefits at a very affordable price
- Those who may need up to 6 months a year in the USA
- Seniors with dual residencies six months or longer outside the U.S.
Highlights
The Global Medical Insurance (GMI) plan features:
- Medical evacuation coverage up to $50,000USD on Bronze and Silver, and up to the maximum policy limit on Gold and Platinum
- Medical health coverage
- Repatriation of remains (Return of mortal remains)
- Bedside visit (Emergency reunion)
- And many other medical and non-medical benefits (see brochure)
- Choose to pay monthly, quarterly, semi-annually, or annually
- Unique to GMI:
High lifetime limits of $1,000,000USD to $5,000,000 to $8,000,000 per individual on Platinum
Deductible Carry forward – If you do not meet your deductible in a year, it will be counted towards the next year’s deductible.
50% of your deductible waived if treated outside the USA up to $2500. 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.
Preventative Care – No waiting period on wellness benefits.
Healthy Travel Preventative Coverage – Up to $250 for vaccinations and preventative prescriptions prior to departure.
Freedom to Choose – Select your own health care provider, no matter where you are in the world. - MyIMG:
Log on to the secure, 24-hour online portal, MyIMGSM, to submit and view your claims, manage your account, search for providers, live chat with representatives and more. - 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.
Plan options
Four Levels to choose from:
You can select between Platinum, Gold, Silver or Bronze plans plus options for International Term-Life insurance coverage, as well as a Terrorism (Available on Platinum) and Adventure Sports rider (Available on the Gold and Platinum plans).
GMI Platinum
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GMI Gold
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GMI Silver
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GMI Bronze
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More about this plan
Why choose this IMG GMI Plan?
IMG GMI and GMMI (the version of this plan for charitable workers) are two of our most popular plans due to the benefits offered and affordable price for both U.S. and non-U.S. expatriates up to 75 years of age.
Global Medical Insurance allows you to choose from several plan options, customize your length and area of coverage and select from multiple deductibles and modes of payment to help fit your needs and budget.
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. to save you even more!
The GMI program also provides different underwriting methods to extend medical coverage to you in case you were declined by other companies.
Four options to choose from. We recommend either the Gold or Platinum plan for:
- Those working in “for profit” companies outside the U.S.
- Entrepreneurs wanting strong overseas insurance coverage
- Needing temporary U.S. coverage while visiting family and friends in the U.S. (up to 6 months a year)
- Those wanting “5-Star” global medical insurance – Consider the GMI Platinum plan
- Need Help? Have questions? Give us a call toll-free at +1 (866) 636-9100 if you’d like help! Or use Skype.
Additional information
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!