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Covid-19 Coverage - Included in all Student & Scholar plans, HCC Atlas Travel and Trawick travel plan
IMG Global Medical Insurance Gold
Plan Summary
Insurance Provider International Medical Group
Medical Provider Network In the US: UnitedHealthcare Options network provides access to the broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Outside the US: IMG maintains a proprietary network of international medical providers for your convenience
Plan Type Global Medical insurance is long term medical insurance for people living outside of their home country.
For all Non-US citizens, and for US citizens and permanent residents who spend more than six months of the year outside the United States.
The IMG Global Medical Gold plan provides better coverage for inpatient medical expenses and outpatient medical expenses.
Maximum Benefit $5,000,000 per individual
Deductible (Insured pays before insurance pays) $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Family Deductible 3 times the individual
Coinsurance in U.S. In-PPO (UnitedHealthcare PPO): Subject to deductible. No coinsurance
Non-PPO: You pay 20% of next $5000 expenses after deductible
Coinsurance with Concierge Deductible 50% waived (up to $2500). No coinsurance.
Coinsurance outside U.S. Deductible 50% waived (up to $2500). No coinsurance.
Maternity Coinsurance N/A
Hospital Room & Board In U.S. average semi-private room rate. Outside of U.S. URC of private room rate (not exceed 150% semi-private).
Intensive Care URC(Usual Reasonable and Customary)
Surgery Care URC
Doctor Visit URC
Xray and Lab URC
Mental Health and Substance Abuse $10,000 per year - $50,000 max, after 12 months of coverage
Emergency Room URC for injury or illness resulting in hospital admission. Additional $250 deductible for illness without hospital admission in US
Prescription Drugs Subject to deductible and coinsurance. 90-day supply per prescription
Vision Optional Rider
Dental Optional Rider
Accident Dental URC
Ambulance URC
Child Wellness $200/period, not subject to deductible or coinsurance.
Adult Wellness $250/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.
Hospital Indemnity Outside of US only. Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max
Medical Evacuation Up to the maximum benefit, not subject to deductible or coinsurance.
Repatriation of Remains $25,000 per insured, not subject to deductible or coinsurance
Pre-existing conditions May have limited coverage after 24 months or be excluded at time of underwriting
Benefit Details https://purchase.imglobal.com/PlanDescription/GLOBAL_MEDICAL/BenefitsContent?imgac=80000699
Insurance Price Chart $250 Deductible, Worldwide Coverage
Age Monthly Premium Male Monthly Premium Female
Dependent Child - see More Information Section below
14 days - 9 years $77 $77
10 - 18 years $81 $81
Adult
19-24 $149 $209
25-29 $155 $233
30-34 $174 $268
35-39 $193 $302
40-44 $218 $290
45-49 $272 $313
50-54 $454 $489
55-59 $555 $544
60-64 $691 $634
Provider Networks

In the US: UnitedHealthcare Options network provides access to the broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.

Outside the US: IMG maintains a proprietary network of international medical providers for your convenience. You are free to choose a medical provider that is in the network, or any other provider you would like.

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MyIMG Account

MyIMG Account can help you with:

Submit a Claim, and Lookup Claim Status

Search for Provider in PPO

Change your Email Address or Phone Number

Is IMG Global Medical Insurance Gold for you?

International Medical Group (IMG) Global Medical Insurance Gold plan is our Better Coverage and most popular Global Medical Insurance Plan.

Global Medical insurance is long term medical insurance for people living outside of their country of citizenship. It is designed for non-US citizens to use worldwide, and for US citizens and permanent residents who spend more than six months of the year outside the United States to use worldwide.

The IMG Global Medical Gold plan provides better coverage for inpatient medical expenses and outpatient medical expenses.

More Information About IMG Global Medical Insurance Gold
Dependent child/children rates are only available when one or two parents are covered. The rates are per child. Children alone (14 days to 18 years old) use the single female 19 year old rate.
Chinese citizens who also are residents of China are not eligible to buy. A child under 19 years old regardless of citizenship is not eligible to buy alone for a Chinese residence.
Premium rates are lower if you select coverage excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Optional riders: Global Term Life Insurance, Terrorism, Sports, Dental, Vision
Rates illustrated are for annual premium, rates are higher for monthly payment