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International Health Insurance | Expatriate Insurance

Global Medical insurance for Expatriates

Great affordable global medical insurance for expatriates

Why we like it:

IMG Global Medical Insurance (GMI) is one of our most popular plans for international business people, contract employees and expatriates. It provides superior medical insurance coverage while overseas, since your U.S. health plan won’t cover you there. IMG Global Medical Insurance (GMI) is a flexible, long-term, annually renewable, U.S.-style major medical insurance plan that offers rich benefits at an affordable price. It’s great for people who need up to 6 months a year in the U.S., and for seniors up to age 75 with dual residence 6 months or more outside the U.S..

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.
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More details about the GMI plan

Highlights

The IMG Global Medical Insurance (GMI) plan features:

  • 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.

Plan options

Levels of coverage:

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.

GMI Platinum

Click to view plan features

Platinum is for:

  • For those wanting 5-star medical insurance, with lifetime limits of $1M to $8M per individual. Provides medical evacuation coverage up to the maximum policy limit. Riders available for terrorism and adventure sports.
  • Offers enhanced benefits and services with $8,000,000 of lifetime coverage. It is designed for the client who wants the convenience of comprehensive medical, dental, and vision benefits in one plan, as well as maternity benefits through the Family Matters Maternity Program. Includes mental health and complementary medicine such as acupuncture, aromatherapy, herbal therapy, massage therapy, vitamin therapy,…

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GMI Gold

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The Gold option is for:

  • For entrepreneurs or employees working in for-profit companies outside the U.S. wanting strong insurance coverage. Provides pre-existing medical coverage of $5K per period and $50K lifetime maximum after 24 months of continuous coverage. Provides medical evacuation coverage up to the maximum policy limit.
  • Ideally suited for those who desire major medical coverage like they might have from an employer in the USA. Includes mental health and complementary medicine such as acupuncture, aromatherapy, herbal therapy, massage therapy, vitamin therapy,…

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GMI Silver

Click to view plan features

The Silver option is for:

  • Provides pre-existing medical coverage of $5K per period and $50K lifetime maximum after 24 months of continuous coverage. Provides medical evacuation coverage up to $50K.

  • Provides affordable medical security designed for budget-conscious consumers. Offers a wide range of scheduled benefits equipped to meet your essential needs. Ideal for those planning to receive care in lower cost areas of the world.

    Please contact Good Neighbor Insurance to discuss your travel plans before purchasing this option or the Bronze plan below.

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GMI Bronze

Click to view plan features

The Bronze option is for:

  • Lowest cost plan. Excludes pre-existing medical coverage. Provides medical evacuation coverage up to $50K.
  • Designed for the budget conscious expatriate or global entrepreneur who needs emergency global medical insurance coverage. It has a unique design specifically for areas of the world that feature low medical costs. If you are looking for a highly affordable insurance plan, this global medical insurance coverage is one of the best with a lifetime limit of $1,000,000.

    Please contact Good Neighbor Insurance to discuss your travel plans before purchasing this option or the Silver plan above.

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More about this plan

Why choose this IMG Global Medical Insurance Plan?

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.

Additional information

IMG Global Medical Insurance policyholders can log on to the secure, 24-hour online portal, MyIMGSM, to submit and view their claims, manage their account, search for providers, live chat with representatives and more.

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!

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