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 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.

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.