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Covid-19 Coverage - Included in all Student & Scholar plans, HCC Atlas Travel and Trawick travel plan
IMG Global Medical Insurance Platinum
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 Platinum plan provides the best coverage for inpatient medical expenses and outpatient medical expenses including maternity costs.
Maximum Benefit $8,000,000 per individual
Deductible (Insured pays before insurance pays) $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Family Deductible 2 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 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.
IMG sometimes excludes maternity coverage for dates of conception before 24 months.
Hospital Room & Board Private room rate
Intensive Care URC(Usual Reasonable and Customary)
Surgery Care URC
Doctor Visit URC
Xray and Lab URC
Mental Health and Substance Abuse $50,000 max, after 12 month 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 Outside the US - 100%
Inside the US - Prescription drug card co-pay:
$20 for generic
$40 for brand name where generic is not available.
90-day supply per prescription
Vision Exams-up to $100. Materials-up to $150 per 24 months
Dental $750/year
Accident Dental URC
Ambulance URC
Child Wellness $400/period, not subject to deductible or coinsurance.
Adult Wellness $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.
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 $50,000 per insured, not subject to deductible or coinsurance
Pre-existing conditions May be covered same as any illness or 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 $145 $145
10 - 18 years $151 $151
Adult
19-24 $230 $339
25-29 $237 $417
30-34 $258 $473
35-39 $273 $525
40-44 $335 $574
45-49 $410 $458
50-54 $928 $991
55-59 $1232 $1223
60-64 $1466 $1372
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 Platinum for you?

International Medical Group (IMG) Global Medical Insurance Platinum plan is our Best Coverage 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 Platinum plan provides the best coverage for inpatient medical expenses and outpatient medical expenses including maternity costs.

More Information About IMG Global Medical Insurance Platinum
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