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Global Expat Medical Insurance

Global peace Of Mind

The IMG Global Expat Medical Insurance plans provide long-term (1+ year), annually renewable, comprehensive worldwide medical insurance for individuals and families.

IMG provide the reassurance and world-class claims service you expect.

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.

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

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

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

IMG also offer a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses.

IMG 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®.

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.

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.