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Expat Financial Planning

Providing Client Clarity Since 1985

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Expat Financial Planning

Providing Client Clarity Since 1985

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    Global Expat Medical Insurance

    img-global-medical-insurance
    millenial-travellers

    Global Expat Medical Insurance - global peace of mind

    A long-term (1+ year), annually renewable, comprehensive worldwide medical insurance program for individuals and families. Being a global citizen can be an exciting experience, but it also comes with potential complications.

    Your health care while traveling should not be one of those concerns.

    With Global Medical Insurance, a revolutionary program from International Medical Group® (IMG®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

    Global Medical Insurance allows you to choose from several plan options, customise your length and area of coverage and select from multiple deductibles and modes of payment.

    With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

    With IMG, you will rest assured knowing that IMG have a dedicated department working to keep your insurance as affordable as possible.

    As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses.

    IMG also offer a cash incentive and waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

    You need the proper worldwide coverage, provided by a company that’s there for you when you need them most.

    When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

    Highlights

    Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families

    Annually renewable medical coverage

    Deductible options from $100 to $25,000

    Maximum limits from $1,000, 000 to $8,000,,000

    Suitable for

    Visitors / Immigrants

    Expats / Global Citizens

    • Click for plan features - benefits & limits

      Benefit

      Bronze

      Silver

      Gold
      1 - 36 myths

      Gold
      37th meh on

      Gold Plus

      Lifetime max limit

      $1,000,000 per person

      $5,000,000 per person

      $5,000,000 per person

      $5,000,000 per person

      $5,000,000 per person

      Deductible choice

      $250 - $10,000

      $250 - $10,000

      $250 - $25,000

      $250 - $25,000

      $250 - $25,000

      Deductible carry forward

      Included

      Included

      Included

      Included

      Included

      Treatment outside the US

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      Treatment inside the US using Medical Concierge

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      50% of deductible waived, up to a maximum of $2,500. No coinsurance

      Treatment inside the US - PPO network

      Subject to deductible.No coinsurance

      Subject to deductible.No coinsurance

      Subject to deductible.No coinsurance

      Subject to deductible.No coinsurance

      Subject to deductible.No coinsurance

      Treatment inside US - Non PPO network

      Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

      Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

      Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

      Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

      Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.

      Hospital Room / Board

      In U.S. – 100% of average semi-private room rate. Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).

      In U.S. – 100% of average semi-private room rate. Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).All subject to $600 / day - 240 day max

      In U.S. – 100% of average semi-private room rate. Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).

      Up to a limit of $2,250 / day

      In U.S. – 100% of average semi-private room rate. Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).

      Intensive Care Unit

      100%

      Up to a limit of $1,500 / day 180 days per event

      100%

      Up to a limit of $4,500 / day

      100%

      Surgery

      100%

      100%

      100%

      100%

      100%

      Assistant surgeon

      20% of surgery benefit

      20% of surgery benefit

      20% of surgery benefit

      20% of surgery benefit

      20% of surgery benefit

      Outpatient 1) Office visits 2) Diagnostics / X-ray

      1) Specialists/ consultants (pre-inpatient) - up to $500 prior to inpatient treatment; Specialists/consultants (post-inpatient) - up to $500 following outpatient surgery or inpatient treatment for 90 days after leaving hospital.

      2) Lab tests - up to $300 per visit; Diagnostic X-Rays limited to $250 per visit. No family doctor coverage.

      1) 25 visits: $70 doctor/specialist maximum limit;
      $60 psychiatrist maximum limit; $50 chiropractor maximum limit; $500 surgery intervention consultation maximum limit
      2) $250 X-Ray per exam maximum limit; $300 lab tests per exam maximum limit.

      100%

      1) Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 co-pay.

      2) Diagnostic Lab and X-Rays limited to $5,000 per period of coverage.

      100%

      Chemotherapy / Radiation Therapy

      URC

      URC

      URC

      $10,000 Maximum per Period of coverage, $50,000 Lifetime Maximum

      URC

      Transplants

      $ 250,000 lifetime max

      $ 250,000 lifetime max

      $ 1,000,000 lifetime max

      $ 500,000 lifetime max

      $ 1,000,000 lifetime max

      Emergency Room Illness (Additional $250 deductible if not admitted as an in patient)

      Covered only if admitted as Inpatient

      100%

      100%

      100%

      100%

      Emergency room accident

      100%

      100%

      100%

      100%

      100%

      Supplemental accident

      N/A

      N/A

      $300 of Eligible Medical Expenses following an accident

      $300 of Eligible Medical Expenses following an accident

      $300 of Eligible Medical Expenses following an accident

      Local ambulance due to injury or illness resulting in hospitalisation

      $1,500 maximum limit per event - not subject to deductible or coinsurance.

      $1,500 maximum limit per event - not subject to deductible or coinsurance.

      100%

      $100 maximum limit per event - not subject to deductible or coinsurance.

      100%

      Mental / nervous

      N/A

      Outpatient after 12 months of continuous coverage

      $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage.

      $30,000 lifetime maximum, and $2,500 maximum per period of coverage.
      Additional Sub-limit:
      Inpatient: limited to 25 days per period of coverage.
      Outpatient: Plan pays 70% of Eligible Medical Expenses up to $75 maximum per visit. Limited to 20 visits per period of coverage.

      $10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage.

      Emergency evacuation

      Up to $50,000 maximum per period of coverage.
      Not subject to deductible or coinsurance.

      Up to $50,000 maximum per period of coverage.
      Not subject to deductible or coinsurance.

      Up to policy lifetime maximum limit.
      Not subject to deductible or coinsurance.

      $250,000 maximum per period of coverage.
      Not subject to deductible or coinsurance.

      Up to maximum limit.
      Not subject to deductible or coinsurance.

      Emergency re-union

      $10,000 lifetime maximum

      N/A

      $10,000 lifetime maximum

      $10,000 lifetime maximum

      $10,000 lifetime maximum

      Return of mortal remains

      $10,000 lifetime maximum - not subject to deductible or coinsurance.

      $25,000 lifetime maximum - not subject to deductible or coinsurance.

      $25,000 lifetime maximum - not subject to deductible or coinsurance.

      $15,000 lifetime maximum - not subject to deductible or coinsurance.

      $25,000 lifetime maximum - not subject to deductible or coinsurance.

      Child wellness through age 18

      N/A

      3 visits per period of coverage - $70 maximum per visit.
      Available after 12 months of continuous coverage.

      $200 maximum per period of coverage - not subject to deductible or coinsurance.
      Available after 12 months of continuous coverage.

      $200 maximum per period of coverage - not subject to deductible or coinsurance.

      $200 maximum per period of coverage - not subject to deductible or coinsurance.
      Available after 12 months of continuous coverage.

      Adult wellness (age 19 up)

      N/A

      N/A

      $250 maximum per period of coverage - not subject to deductible or coinsurance.
      Available after 12 months of continuous coverage.

      $250 maximum per period of coverage - not subject to deductible or coinsurance.

      $250 maximum per period of coverage - not subject to deductible or coinsurance.
      Available after 12 months of continuous coverage.

      Rx coverage

      Inpatient: 100%.
      Outpatient: Available for 90 days following related inpatient treatment or outpatient surgery.
      $600 outpatient maximum limit per inpatient event.

      100%

      100%

      $5,000 per period of coverage - outpatient only. 90-day supply per prescription.

      100%

      Physical therapy

      Inpatient: 100% Outpatient: $40 maximum limit per visit, and 10 visit per event, available for 90 days following Inpatient Treatment or Outpatient Surgery.

      Maximum $40 per visit - 30 visit maximum.

      Maximum $50 per visit

      Maximum $50 per visit - $1,000 maximum per period of coverage.
      $10,000 lifetime maximum.

      Maximum $50 per visit

      Complementary medicine

      N/A

      N/A

      Acupuncture $150
      Aroma Therapy $50
      Herbal Therapy $50
      Magnetic Therapy $75
      Massage Therapy $150
      Vitamin Therapy $100
      Each per period of coverage
      not subject to deductible or coinsurance

      Acupuncture $150
      Aroma Therapy $50
      Herbal Therapy $50
      Magnetic Therapy $75
      Massage Therapy $150
      Vitamin Therapy $100
      Each per period of coverage
      not subject to deductible or coinsurance

      Acupuncture $150
      Aroma Therapy $50
      Herbal Therapy $50
      Magnetic Therapy $75
      Massage Therapy $150
      Vitamin Therapy $100
      Each per period of coverage
      not subject to deductible or coinsurance

      Recreational scuba

      N/A

      N/A

      100%

      100%

      100%

      Non-emergency dental

      Optional Rider

      Optional Rider

      Optional Rider

      Optional Rider

      Optional Rider

      Emergency dental due to accident

      $1000 per period of cover

      $1000 per period of cover

      100%

      $500 per period of cover

      $1000 per period of cover

      Emergency dental due to sudden unexpected pain

      N/A

      N/A

      $100 per period of cover

      $100 per period of cover

      $100 per period of cover

      Vision

      Optional Rider

      Optional Rider

      Optional Rider

      Optional Rider

      Optional Rider

      Hospital indemnity (outside US only)

      Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
      Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

      Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
      Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

      Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
      Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

      Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
      Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

      Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
      Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.

      Pre-existing conditions limitation

      Excluded

      $50,000 lifetime maximum; $5,000 per period of coverage after 24 months

      $50,000 lifetime maximum; $5,000 per period of coverage after 24 months

      $50,000 lifetime maximum; $5,000 per period of coverage

      $50,000 lifetime maximum; $5,000 per period of coverage after 24 months

    Coverage information

    Eligibility

    This plan is available to individuals and families of all nationalities.

    U.S. citizens must plan to be residing outside U.S. on or before their effective date and renewal dates, for at least six (6) out of the next 12 months.

    Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S.

    Persons from the ages of 14 days to 74 years old may apply for coverage.

    At age 75 clients will automatically transition to the IMG Global Senior Plan if cover is still required - see below

    For families, when both parents are covered under this plan, two eligible dependent children from the ages of 14 days to 9 years are covered at no additional premium cost for the first year of coverage.

    On the first renewal date, premium will be 50% of the future published rate. Each person requesting coverage must complete the information required in the application.

    Enrollment

    To apply for this plan, simply complete the online application by clicking "Get Quote" above.

    If you are applying as a family, you may include yourself, your spouse and dependents on one application.

    If you have dependents who are 19 and older, you must complete a separate application for those individuals.

    You must accurately complete all questions outlined in the application in order to be considered for coverage.

    If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan.

    You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate.

    If your application is not approved, you will receive a full refund of any premium received by IMG.

    Lifetime Coverage

    Lifetime medical coverage is available if you are enrolled in the program by your 65th birthday and maintain continuous coverage to age 75.

    Prior to your 75th birthday you will receive a summary of benefits for a new plan, Global Senior Plan®, and an enrollment form for coverage.

    There is no additional medical underwriting. You simply need to review the benefits, and promptly complete and return the enrollment form with your premium.

    Quality Guarantee

    To ensure your satisfaction, once you are accepted in the plan, IMG provide a 15-day free look period to review the coverage.

    If during that 15-day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and full refund of your premium received by IMG.

    See the Certificate Wording for full details.

    Renewal of Coverage

    Subject to the terms of the plan, it is annually renewable and coverage is continuous when approved.

    Prior to the end of each period of coverage (12 months) you will receive renewal information.

    You must continue to meet the eligibility requirements outlined in the contract in order to apply to renew.

    You have the option to renew online or you may complete a paper renewal form.

    There are no additional medical questions at renewal, and both ourselves and IMG can work with you to provide flexible renewal options.

    Please select your deductible and plan option carefully, as you will be unable to select a lower deductible or increase your plan option when you renew your coverage.

    Global Expat Medical Insurance - global peace of mind

    A long-term (1+ year), annually renewable, comprehensive worldwide medical insurance program for individuals and families. Being a global citizen can be an exciting experience, but it also comes with potential complications.

    Your health care while traveling should not be one of those concerns.

    With Global Medical Insurance, a revolutionary program from International Medical Group® (IMG®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

    Global Medical Insurance allows you to choose from several plan options, customise your length and area of coverage and select from multiple deductibles and modes of payment.

    With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

    With IMG, you will rest assured knowing that IMG have a dedicated department working to keep your insurance as affordable as possible.

    As part of that effort, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses.

    IMG also offer a cash incentive and waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

    You need the proper worldwide coverage, provided by a company that’s there for you when you need them most.

    When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

    Highlights

    Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families

    Annually renewable medical coverage

    Deductible options from $100 to $25,000

    Maximum limits from $1,000, 000 to $8,000,,000

    Suitable for

    Visitors / Immigrants

    Expats / Global Citizens

    img-vglobal-medical-insurance-insurance-brochure

    Coverage information

    Eligibility

    This plan is available to individuals and families of all nationalities.

    U.S. citizens must plan to be residing outside U.S. on or before their effective date and renewal dates, for at least six (6) out of the next 12 months.

    Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S.

    Persons from the ages of 14 days to 74 years old may apply for coverage.

    At age 75 clients will automatically transition to the IMG Global Senior Plan if cover is still required - see below

    For families, when both parents are covered under this plan, two eligible dependent children from the ages of 14 days to 9 years are covered at no additional premium cost for the first year of coverage.

    On the first renewal date, premium will be 50% of the future published rate. Each person requesting coverage must complete the information required in the application.

    Enrollment

    To apply for this plan, simply complete the online application by clicking "Get Quote" above.

    If you are applying as a family, you may include yourself, your spouse and dependents on one application.

    If you have dependents who are 19 and older, you must complete a separate application for those individuals.

    You must accurately complete all questions outlined in the application in order to be considered for coverage.

    If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan.

    You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate.

    If your application is not approved, you will receive a full refund of any premium received by IMG.

    Lifetime Coverage

    Lifetime medical coverage is available if you are enrolled in the program by your 65th birthday and maintain continuous coverage to age 75.

    Prior to your 75th birthday you will receive a summary of benefits for a new plan, Global Senior Plan®, and an enrollment form for coverage.

    There is no additional medical underwriting. You simply need to review the benefits, and promptly complete and return the enrollment form with your premium.

    Quality Guarantee

    To ensure your satisfaction, once you are accepted in the plan, IMG provide a 15-day free look period to review the coverage.

    If during that 15-day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and full refund of your premium received by IMG.

    See the Certificate Wording for full details.

    Renewal of Coverage

    Subject to the terms of the plan, it is annually renewable and coverage is continuous when approved.

    Prior to the end of each period of coverage (12 months) you will receive renewal information.

    You must continue to meet the eligibility requirements outlined in the contract in order to apply to renew.

    You have the option to renew online or you may complete a paper renewal form.

    There are no additional medical questions at renewal, and both ourselves and IMG can work with you to provide flexible renewal options.

    Please select your deductible and plan option carefully, as you will be unable to select a lower deductible or increase your plan option when you renew your coverage.

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

    I took comfort in the fact that IMG had my back.

    Mark describes in chilling detail his encounter that could have ended far worse

    img-client-testimonial

    Duration 3 mins

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