Why we like it:
The IMG GMMI plan is one of our most popular, benefit-rich plans for international non-profits, charitable workers, long-term volunteers, missions and other faith-based staff. It offers great missionary insurance coverage for a low price. Select from four plans to fit your exact needs. Opportunity to waive 50% of deductible up to $2500 when treated outside the USA.
This missionary insurance coverage offers the freedom to choose your own health care provider, no matter where you are in the world. It covers emergency evacuation and certain plans provide coverage for maternity or pre-existing conditions.
If you are NOT an overseas faith-based, or non-profit / charitable worker, we have a similar plan for expats and businesspeople here >>
Note: Your deductible is reduced by 50% for care received outside the U.S.
- Charitable travel: Non-profits, volunteers, or faith-based workers up to age 75
- Those looking for rich benefits at a very affordable price
- Those who may need up to 6 months a year in the USA
- Those who require good insurance, but receive their medical care overseas
The GMMI plan features:
Unique to GMMI Global Mission 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. Unused deductible is carried forward to the following year. Lifetime limits of $1M – $8M.
- 50% of your deductible waived (up to $2500) if treated outside the USA, or if you use IMG’s medical concierge service to select a care provider in the USA.
- Plans cover medical evacuation from $50K to maximum policy limit
- Coverage for pre-existing conditions is available after 24 months of continuous coverage under the Silver and Gold plans.
- Up to $250 for vaccinations and preventive prescriptions prior to travel. No waiting period on wellness benefits.
- Includes emergency reunion and return of mortal remains
- 24/7 medical management services, multilingual claims administrators and highly trained customer service professionals.
- 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.
Four Levels to choose from:
IMG Global Mission Medical Insurance allows you to choose from four levels of coverage, and to customize your length and area of coverage. It provides great missionary insurance coverage and allows you to select from multiple deductibles and modes of payment to help fit your needs and budget.
Click to view plan features
More about this plan
Why choose this IMG GMMI Plan?
The GMMI global mission medical insurance plan is one of the most affordable international health plans we offer. It was initially created to provide international missionary insurance coverage at a very low cost. International volunteers, social business entrepreneurs, and those working with non-profits, in NGO jobs, and looking for non-profit job openings overseas are all allowed to apply for, and use this plan. It is great for families and individuals up to age 75.
As shown above, this medical insurance for overseas travel plan has four options:
We have an economy plan, a mid-range plan, a “best option,” and a “Cadillac plan.” The premium on the higher benefit plans will be slightly more. You can have peace of mind and select the exact benefits you need and that fit your budget. Our most popular plans are the Gold and Platinum. All of these plans provide coverage for new medical expenses, medical evacuations, return of mortal remains, and much, much more (see brochure).
Here are some of the main things we suggest considering when you need to decide what international health insurance to acquire:
There are two forms of missionary insurance coverage for these plans, Worldwide or Worldwide Excluding:
- The “Worldwide” will allow coverage in every country (although “Worldwide including in-the-U.S.A. coverage” is only good for up to six months per policy year).
- The “Worldwide Excluding” excludes coverage in the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan, and is priced accordingly.
There are a couple of things to keep in mind, particularly for U.S. citizens. Medical expenses in the U.S. are very high. Should you receive medical care in the U.S., you would want to be sure that your plan has adequate benefits to meet those potential expenses. If there is a catastrophic illness (or injury) and someone returns to the U.S. for care, having adequate U.S. coverage is essential. If you are a non-U.S. citizen and not in Southeast Asia, you may want to consider “Worldwide Excluding” in order to save money.
Medical evacuation insurance
International medical evacuation is essential for those living overseas especially if in a more remote area, or live in an area with poor health facilities. Depending on the situation, a medical evacuation may cost from $25,000 – $250,000. Even if you have a great hospital in the city you are living in, they may not be able to take care of every medical condition. If that is the case, they would most likely request a medical evacuation out-of-country, or to another city. The Bronze and Silver plans have a medical evacuation limit of $50,000, so you’ll want to be sure that amount will be adequate for your needs.
If you have potential plans to get pregnant or adopt a child, it is important to think about maternity benefits on your international medical insurance plan. Maternity insurance benefits are only available on the Platinum plan. There is a 10 month waiting period for maternity benefits to be available, and an additional $2500 deductible. The waiting period for conception is 24 months if a woman applies for Platinum by herself.
The maternity program covers delivery, wellness, newborn care and congenital disorders with a $50,000 lifetime maximum. There is a $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth. The plan also offers a $200 newborn preventative care benefit for the first 1 – 12 months after birth.
If you have maternity coverage, you can add your newborn (or adopted child) within 30 days of birth (or adoption) for automatic acceptance (no underwriting). If you don’t have Platinum, then your newborn or adopted child must have a completed application and go through underwriting. For adopted children, underwriting can be difficult because of lack of health history. This is why considering whether or not you might need the maternity benefit is important.
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. Or 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).
Preventative Care – No waiting period on wellness benefits
Gold – $250 per period of coverage – not subject to deductible or coinsurance
Platinum – $500 per period of coverage – not subject to deductible or coinsurance
Silver – $70 maximum per visit, 3 visit limit per period. Not subject todeductible or coinsurance. Available after 12 months of continuous coverage
Gold – $200 maximum per period of coverage – not subject to deductible or coinsurance
Platinum – $400 maximum per period of coverage – not subject to deductible or coinsurance
International Term Life Insurance Rider
(Most domestic life insurance will not pay out if you pass away while living overseas)
31 days – 18 years: $ 5,000
19 – 29 years: $75,000
30 – 39 years: $50,000
40 – 44 years: $35,000
45 – 49 years: $25,000
50 – 54 years: $20,000
55 – 59 years: $15,000
60 – 64 years: $10,000
65 – 69 years: $ 7,500
Concierge Program Available
IMG is committed to keeping international health insurance premiums affordable for those serving others worldwide. As part of that commitment, IMG offers a Medical Concierge program that saves you on out-of-pocket medical expenses. They offer cash incentives and waive 50% of your deductible for choosing to receive treatment outside the U.S.
Need Help? Have questions? Give us a call toll-free at +1 (866) 636-9100 if you’d like help! Or use Skype.
It is very important for us that you feel that you have got your questions answered.
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!