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International Health Insurance | Expatriate Insurance

GMMI priced right for charitable travel

Global medical insurance for volunteers, non-profits and social good

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 is for those who are on a budget, up to age 75.

Easily renew annually for continuous coverage. 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.

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.

Good for:

  • Charitable travel: Non-profits, volunteers, or faith-based workers
  • 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
Get a Quote Apply Online Brochure Question?
covered pontoon boat on water
More about this GMMI plan

Highlights

The GMMI plan features:

Unique to GMMI Global Medical Insurance:

  • Special rates on global medical insurance for overseas travel, specifically missionaries, charitable travelers and expatriates, non-profit sector workers, aid workers, and social good entrepreneurs
  • The plan is called “missionary insurance,” but any non-profit, charitable or social good organization can use it, as can volunteers and their families
  • High lifetime limits of $1,000,000USD (Bronze) to $5,000,000 (Silver/Gold) 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
  • 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
  • Medical evacuation coverage up to $50,000USD on Bronze and Silver, and up to the maximum policy limit on Gold and Platinum
  • Global medical health coverage – You can choose between “worldwide” or “worldwide excluding”

  • Repatriation of remains (Return of mortal remains)
  • Bedside visit (Emergency reunion)
  • Preventative Care – No waiting period on wellness benefits.
  • And many other medical and non-medical benefits (see brochure)
  • Choose to pay monthly, quarterly, semi-annually, or annually
  • 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:
    Silver/Gold – Available after 24 months of continuous coverage, but wait period may be waived (see below).
  • Maternity coverage only on Platinum Plan:
    Family Matters Maternity Program (available after 10 months of coverage) covers delivery, wellness, newborn care & congenital disorders
    $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. 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).

GMMI Platinum

Click to view plan features

Platinum is for:

  • The Platinum option provides superior benefits and medical insurance for overseas travel for non-profit staff similar to U.S.-based coverage.  Platinum offers enhanced benefits and services with $8,000,000 of lifetime coverage. It is designed for those who want the convenience of comprehensive medical, dental, and vision benefits all in one plan. And for maternity benefits through the Family Matters Maternity Program. It includes mental health and complementary medicine such as acupuncture, aromatherapy, herbal therapy, massage therapy, vitamin therapy,…

Get a Quote Apply Online Brochure Question?

GMMI Gold

The Gold option is for:

  • The Gold option is our most popular and most often recommended option for medical insurance for overseas travel. It is ideal for missionaries and non-profit workers 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,…

Get a Quote Apply Online Brochure Question?

GMMI Silver

The Silver option is for:

  • The Silver option provides affordable medical insurance for overseas travel designed for young, healthy budget-conscious expatriates. With $5,000,000 of lifetime coverage, the Silver option offers a wide range of scheduled benefits equipped to meet all your essential needs. The Silver plan is 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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GMMI Bronze

The Bronze option is for:

  • The Bronze option is designed for the budget conscious volunteer or global entrepreneur who wants only emergency global medical insurance coverage. Its unique design is for areas of the world where you can pay out-of-pocket for most medical costs. It’s for those who are only looking for a “catastrophic-type” plan. If you are looking for a highly affordable insurance plan, this medical insurance for overseas travel 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.

Get a Quote Apply Online Brochure Question?

More about this plan

Why choose this IMG GMMI Plan?

The GMMI global medical insurance plan is one of the most affordable international health plans we offer. It was created as international missionary insurance with 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.

International business people wanting the same affordable insurance should check out the equivalent GMI international medical insurance page.

 

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 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.

Especially for U.S. citizens, there are a couple of things to keep in mind. 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 the lowest limit of the four plans for medical evacuation. That limit is $50,000. If considering Bronze or Silver, please consider if this amount will be adequate for your needs.

There is also a Dental and Vision rider for the Bronze, Silver, and Gold plans. A Sports rider is available for the Platinum plan.
Maternity is available only on the Platinum plan.

 

Maternity:

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 – Family Matters Maternity Program. There is a 10 month waiting period for maternity benefits to be available, and an additional $2500 deductible. (Waiting period for conception is 24 months if a woman applies for Platinum by herself.) Outside of the Platinum plan, there is no coverage whatsoever for pregnancy or complications of pregnancy on Bronze, Silver or Gold plans.

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.

Adult wellness:
Gold – $250 per period of coverage – not subject to deductible or coinsurance
Platinum – $500 per period of coverage – not subject to deductible or coinsurance
Child wellness:
Silver – $70 maximum per visit, 3 visit limit per period. Not subject to deductible 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)
Age:

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

 

The GMMI plan allows you to choose from several plan options,. It allows you to customize your length and area of coverage and select from multiple deductibles and forms of payment. The plan allows you to help fit your needs and budget – Monthly, Quarterly, semi-annually, and annually. Each plan is renewable for continuous coverage.

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.

The GMMI program also provides different underwriting methods to extend medical coverage in case you were declined by other companies.

 

Four options to chose from. We recommend the Gold plan for:

  • Those working in the charitable and non-profit sector outside the U.S.
  • Social Good Entrepreneurs wanting strong overseas insurance coverage
  • Temporary U.S. coverage while visiting family and friends in the U.S. (up to 6 months a year)
  • Those wanting a great price without sacrificing quality care and benefits
  • 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

Download rates >>

ACA AND INTERNATIONAL HEALTH INSURANCE

International short term and long term medical plans are not ACA-compliant, and are not required by law to be compliant. Regardless of compliance, you can still receive medical care in the U.S. through these plans which include coverage inside the U.S.

FAQ AND ANSWERS GMMI INTERNATIONAL MEDICAL INSURANCE
  • FAQ and Answers on GMMI Global Medical Insurance Benefits
  • FAQ and answers on applying and pre-existing coverage
  • Medical Concierge
  • Akeso Care Management
  • GMMI Updates

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!

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