IMG Global Plans cover COVID-19 same as any illness
| 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) | $100, $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 |
| Age | Monthly Premium | |
| Dependent Child - see More Information Section below | ||
| 14 days - 9 years | $192 | |
| 10 - 18 years | $200 | |
| Adult | ||
| 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 | |
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.
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
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.