Global Medical Insurance

From International Medical Group

Annually renewable, GMI Gold, Gold Plus and Platinum are comprehensive international medical insurance plans that provide coverage for people living outside of the US for at least 6 months per year.

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Global Medical Insurance

Highlights:

  • Flexible, limited benefit or comprehensive medical coverage
  • Coverage for individuals and families
  • Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Sports
  • Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan)
  • Select from multiple deductible options
  • Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
  • Choose from several payment modes
  • Multiple underwriting options to fit your needs
  • Freedom to choose your provider
  • 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

Comprehenisve Coverage

IMG has designed three compreshensive international medical insurance plans (Gold, Gold + & Platinum) with worldwide coverage to a wide variety of international clientele, including expatriates, international executives, diplomats, students, entertainers and other international travelers. When you select any Global Medical Insurance plan you receive IMG's commitment to deliver world-class health benefits, medical assistance and total peace of mind.

Limited Benefit Coverage

IMG has designed two different limited benefit plans (Bronze, Silver) with worldwide coverage to a people looking for lower cost coverage while living outside of the US. When you select any Global Medical Insurance plan you receive IMG's commitment to deliver world-class health benefits, medical assistance and total peace of mind.

As part of the eligibility requirements for Global Medical Insurance, US citizens must reside abroad or plan to leave the US on their effective date and plan to reside abroad for at least six of the next 12 months. Non-US citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-US citizens residing in the U.S. 

Choices

Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications. Your health care while abroad should not be one of those concerns. Global Medical Insurance is a revolutionary program from IMG that offers the flexible worldwide coverage you need, backed by the world-class services you expect. Unlike other health care programs on the market, Global Medical Insurance allows you to custom build a plan that is specifically tailored for you.

Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from an assortment of unique benefit options - each with specialized coverages. To accommodate your financial means, you can customize your length and area of coverage with the flexibility to select from multiple deductibles and modes of payment. With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.

Additionally, the program provides world-class services. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment’s notice, and our extensive global provider networks are quickly and easily accessible. You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. You can also efficiently save time managing routine areas of your account by utilizing our secure, online service tools.

Lifetime Eligibility

Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium.

For more information on this coverage, go to the Global Medical InsuranceSM brochure. Also, if you prefer to download an application for the policy, we provide that as well.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

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