IMG Global Medical Insurance plans address the insurance needs of US and non-US citizens who need long-term, annually renewable, comprehensive worldwide medical insurance for individuals and families.  These plans provide coverage for individuals or families living or working abroad, contract employees living and working abroad, and seniors with dual residencies.

IMG Global Medical Bronze, Silver, Gold, and Platinum cover COVID-19 same as any illness.

These Plans are highly customizable to meet your needs:

• Medical Benefits from $1,000,000 to $8,000,000
• Deductible options from $100 to $25,000
• Four plan options and additional optional coverage
• Choice of coverage area to reflect your geographical area of need
• Freedom to seek treatment with hospital or doctor of your choice

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	Silver Plan Quote/Buy Now	Gold Plan Quote/Buy Now	Platinum Plan Quote/Buy Now
IMG Global Medical Insurance	Global Medical (Silver Plan) $250 deductible	Global Medical (Gold Plan Plan) $500 deductible	Global Medical (Platinum Plan) $1000 deductible
Annual Deductible	$250, $500, $1,000, $2,500, $5,000, $10,000	$250, $500, $1,000, $2,500, $5,000, $10,000, $25,000	$100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Family Deductible	3 times the individual	3 times the individual	2 times the individual
Lifetime Max limit	$5,000,000 per individual	$5,000,000 per individual	$8,000,000 per individual
Treatment inside the U.S.	In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance Non-PPO: You pay 20% of next $5000 expenses after deductible	In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance Non-PPO: You pay 20% of next $5000 expenses after deductible	In-PPO(UnitedHealthcare PPO): Subject to deductible. No coinsurance Non-PPO: You pay 20% of next $5000 expenses after deductible
Treatment in U.S. with Medical Concierge	Deductible 50% waived (up to $2500). No coinsurance.	Deductible 50% waived (up to $2500). No coinsurance.	Deductible 50% waived (up to $2500). No coinsurance.
Treatment outside the U.S.	Deductible 50% waived (up to $2500). No coinsurance.	Deductible 50% waived (up to $2500). No coinsurance.	Deductible 50% waived (up to $2500). No coinsurance.
Intensive care unit	$1,500/day, 180 day /event	URC(Usual Reasonable and Customary)	URC(Usual Reasonable and Customary)
Hospitalization/room & board	In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private). All subject to $600/day, 240 day max	In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private).	Private room rate
Emergency Room	URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization	URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization	URC for injury or illness resulting in hospitalization.  $250 Additional deductible for illness without hospitalization
Local Ambulance	$1500/event – not subject to deductible or coinsurance	URC	URC
Child Wellness (under 18 y/o)	3 visit/period, $70 max/period.	$200/period, not subject to deductible or coinsurance.	$400/period, not subject to deductible or coinsurance.
Adult Wellness	NA	$250/period, not subject to deductible or coinsurance. Available for those at least 19 years old	$500/period, not subject to deductible or coinsurance. Available for those at least 19 years old
Healthy Travel Preventive	$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.	$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.	$250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.
Emergency Dental (accident)	$1,000/period	URC	URC
Non-emergency Dental	Optional Rider	Optional Rider	$750/year
Vision	Optional Rider	Optional Rider	Exams-up to $100. Materials-up to $150 per 24 months
Surgery	URC	URC	URC
Hospital Daily Indemnity (outside U.S.)	Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max	Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max	Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max
Emergency Evacuation	$50,000 per period, not subject to deductible or coinsurance	Up to the maximum limit, not subject to deductible or coinsurance	Up to the maximum limit, not subject to deductible or coinsurance
Repatriation of remains	$25,000 per insured, not subject to deductible or coinsurance	$25,000 per insured, not subject to deductible or coinsurance	$50,000 per insured, not subject to deductible or coinsurance
Mental/Nervous	Out-patient only, after 12 month of coverage	$10,000 per year – $50,000 max, after 12 month of coverage	$50,000 max, after 12 month of coverage
Pre-existing conditions	May have limited coverage after 24 months or be excluded at time of underwriting	May have limited coverage after 24 months or be excluded at time of underwriting	May be covered same as any illness or excluded at time of underwriting
Maternity	NA	NA	Maternity is covered same as any illness for any maternity related claim with a service date that occurs after 10 months of coverage – $2,500 additional deductible, $50,000 lifetime max. $200 child wellness for the first 12 months. new born care & congenital disorders max of $250,000 for the first 31 days. Maternity related claims with dates of service before 10 months are not covered.
More on Maternity	NA	NA	IMG Global Medical Insurance Platinum often excludes maternity coverage for dates of conception before 24 months.
Monthly Rate	Silver Plan Age Monthly Premium 19-24 $205 25-29 $228 30-34 $252 35-39 $297 40-44 $304 45-49 $336 50-54 $319 55-59 $340 60-64 $488 Dependent Children 14 days – 9 $77 10-18 $78	Gold Plan Age Monthly Premium 19-24 $292 25-29 $318 30-34 $360 35-39 $403 40-44 $415 45-49 $478 50-54 $771 55-59 $904 60-64 $1093 Dependent Children 14 days – 9 $125 10-18 $131	Platinum Plan Age Monthly Premium 19-24 $382 25-29 $444 30-34 $491 35-39 $535 40-44 $613 45-49 $587 50-54 $1304 55-59 $1679 60-64 $1946 Dependent Children 14 days – 9 $192 10-18 $200
	Silver Plan Quote/Buy Now	Gold Plan Quote/Buy Now	Platinum Plan Quote/Buy Now
Complete Brochure	Complete Brochure English Complete Brochure Spanish

More Details – IMG Global Medical Insurance Bronze, Silver, Gold

Plan	IMG Global Medical Insurance
More about Child/Children Rates	Dependent child/children rates are only available when one or two parents are covered. See chart for the rates. The rates are per child. Children alone (14 days to 18 years old) use the single female 19 year old rate.
More about IMG Global Medical Insurance Silver Plan	Out patient doctor visits limited to 25 per year, $70 each. Psychiatrist visits limited to $60 each. Chiropractor visits limited to $50 each. X-ray limited to $250 per exam. Surgery consultation limit $500. Lab test limit $300 per exam.
Plan Highlights	Annually renewable comprehensive worldwide medical coverage for non-US nationals worldwide or US citizen working abroad Available up to age 74 Deductible options from $100 to $25,000. Maximum policy benefits from $5,000,000 to $8,000,000 Hospitalization / room & board covers average semi-private room rate. Up to $50,000 medical evacuation Up to $5,000-50,000 repatriation of remains to home country. Flexible, comprehensive medical coverage Coverage for individuals and families Four unique plan designs – Silver, Gold, Gold Plus and Platinum Optional riders: Global Term Life Insurance, Terrorism, Sports, Dental, Vision Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Macau, Taiwan, Singapore and Japan) Select from multiple deductible options Choose from several payment modes Rates illustrated above are for annual premium, rates are higher for monthly payment Multiple underwriting options to fit your needs Freedom to seek treatment with hospital or doctor of your choice Access to two extensive provider networks Emergency Medical Evacuation and other evacuation benefits Medical Concierge Program Medical professionals to coordinate your care 24 hour access to information To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
Medical Concierge Program	Medical Concierge Benefits in the US can be used for any non-urgent care. They can help you find high quality low cost medical providers and maximize your benefits by reducing your deductible in half.
Who the plan is designed for	Coverage for individuals or families living or working abroad Contract employees living and working abroad Seniors with dual residencies six months or longer outside the U.S.
Which Plan is best for you?	IMG Global Medical Insurance Silver plan is most economical IMG Global Medical Insurance Gold Plan is the best value IMG Global Medical Insurance Platinum is best for those wanting the best coverage or considering having a baby. IMG normally excludes maternity for dates of conception before 24 months. If you are interested in maternity benefits with a shorter waiting period please contact us.