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IMG GLOBAL
MEDICAL
INSURANCE®
Plan Highlights
Global Medical Insurance®
covers the Usual, Reasonable and Customary (URC) charges for eligible
expenses in the area where you receive treatment. Each person will only need
to satisfy their deductible once per period of coverage (12 months) with a
maximum of three deductibles per family.
This program is quite versatile and tailored for you so
you can easily design the benefits package that you need. The program
provides comprehensive benefits suitable for individuals and families, fully
portable 24 hour coverage and the peace of mind you need. You can build
your plan by reviewing and choosing from the coverage options and services
available. More detailed benefit and service descriptions are provided
in the links to the right. Please refer to those companion links while
reviewing the information herein.
Flexible
Benefits
- Silver plan option - Affordable medical security
designed for the more budget-conscious consumer and those planning to
receive care in lower cost areas of the world. Silver offers a wide
range of scheduled benefits equipped to meet your essential needs.
- Gold plan option - Ideally
suited for those who desire full major medical coverage but for a
limited period of time. Gold provides comprehensive benefits for the
first three years of coverage. After three years, certain benefits and
lifetime maximums are reduced (see
Benefits). As a result, Gold is priced
more competitively than the Gold Plus option.
- Gold Plus plan option - Comprehensive major medical
plan designed for people who need long-term coverage. Benefit levels
continue beyond year three as long as the coverage remains in effect.
- Platinum plan option -Provides the superior benefits
package for the most discerning global consumer. Platinum offers a
package of enhanced benefits and services. It is designed for the client
who wants the convenience of comprehensive medical, dental, and vision
benefits in one plan.
- Optional Riders - All plan options offer
additional, optional coverages.
- Global Term Life InsuranceSM
(including AD&D)
- Daily IndemnitySM
- Maternity (Silver, Gold & Gold Plus plan options)
- Terrorism (Platinum plan option)
- Sports (Platinum plan option)
Coverage
Area
Options/Budget
- Two coverage areas: Worldwide or Worldwide Excluding
the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
- You have the opportunity to select the coverage area that best
reflects your geographic area of need. Each provides full coverage, but
premiums reflect the cost of care in different parts of the world.
Regardless of the coverage area you choose, you maintain the freedom to
choose your own provider.
- Multiple deductible options
- To accommodate your financial resources, you can select from seven
different deductible options - all providing different premium levels.
Additionally, your deductible can be reduced up to 50% to a $2,500
maximum (see
Benefits).
- No additional cost for children - No matter the plan
option or coverage area you choose, if you are a family, the family
premium covers the first two children between 14 days and 9 years at no
additional cost for the first year (see Additional Coverage
Information). This is a valuable savings for any budget.
- Four premium modes - Schedule the frequency of
payment that meets your means.
- Annual
-
Semi-annual
- Quarterly
- Monthly
Underwriting
to
Fit
Your
Needs
We have earned our reputation for excellence in the
international community by maintaining the ability to be flexible and
respond to our clients’ needs. Understanding that everyone has a unique
medical background, with Global Medical Insurance we have developed multiple
ways to administer coverage to you where you may have been declined by other
companies.
Your application will be reviewed based on the full
disclosure of your medical history that you provide.
- Standard underwriting -
Standard underwriting provides the full pre-exisiting conditions benefit
as outlined on
Flexible Underwriting page.
- Exclusionary rider(s) - With an exclusionary rider,
we are able to extend coverage for your medical needs, with the
exception of the specific excluded condition named in the rider. This
allows standard pre-existing condition benefits for non-ridered
conditions that may otherwise have been declined.
- Flexible underwriting rider - The flexible
underwriting rider will allow us to extend coverage to you even if you
have signifigant, ongoing, and/or chronic pre-existing conditions. For a
nominal annual administration fee, coverage is extended for a
pre-existing condition following 24 months of continuous coverage,
during which you are symptom, advice or treatment free for that
particular condition.
For further underwriting
information, please refer to
Flexible Underwriting.
* For convenience, all amounts listed are in U.S. dollars
The
policies we offer are not available from TFG Global Insurance Solutions Ltd.
to citizens currently residing in the USA. If you are
residing in the USA, please contact IMG directly.
Get Instant Quote and Purchase Online Now!
OR Download Application in PDF format
IMG Global Medical
Insurance Plan
Menu
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Administration :
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Indemnity :
Eligibility :
Exclusions :
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Plan Highlights
: Global Senior Plan :
How to Apply :
Premiums :
Print Application :
Apply Online
Note: Some of the products and services described or
advertised on this site may not be available to residents of certain
jurisdictions, depending on regulatory constraints, including Canada and the
U.S. Please contact Expat Financial for
more information about your specific jurisdiction.
The above coverage is NOT be
available to residents in British Columbia.
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