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International Health Insurance
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- Worldwide Expat Medical Insurance for Residents of All Nations
- Emergency Evacuations, Hospitalization, Medical Emergency, Accident, Sickness, Outpatient, Wellness, Vision & Dental
- 24/7 Travel Assistance Services
- Expatriate Medical Insurance: Why You Need It
Plan and Benefit Comparisons
The below is only a brief outline of coverages for comparison purposes only. Please review brochure for specific benefit variations and plan options.
| Company |
International Medical Group |
| Plan Name |
Platium |
Gold Plus |
Gold * |
Silver |
Bronze ** |
| Residency Eligibility |
- US citizens abroad for at least 6 of next 12 months
- Non-US citizens in home country or abroad
|
| Initial Age Eligibilty |
Less than age 75 |
| Lifetime Maximum Benefit Limit |
$8,000,000 |
$5,000,000 |
$5,000,000
|
$5,000,000
|
$1,000,000
|
| Accident and Sickness Medical Expense |
$8,000,000 |
$5,000,000 |
$5,000,000
|
$5,000,000
|
$1,000,000
|
| Emergency Medical Evacuation |
$8,000,000 |
$5,000,000
|
$5,000,000 *
|
$50,000
|
$50,000
|
| Deductible Choices |
- Treatment Abroad: $50, $125, $250, $500, $1250, $2500
- Treatment in USA using IMG Medical Concierge: $50, $125, $250, $500, $1250, $2500
- Treatment in USA using IMG PPO: $100, $250, $500, $1000, $2500, $5000
|
| Coinsurance % Abroad |
100% after deductible |
| Coinsurance % USA Medical PPO Network |
100% after deductible |
| Hospitalization |
$8,000,000 |
$5,000,000 |
$5,000,000 * |
$5,000,000
$600 daily max
|
$1,000,000 |
| Outpatient |
$8,000,000 |
$5,000,000 |
$5,000,000 * |
Various limits per procedure |
Not covered unless related to hospitalization |
| Adult Wellness |
$500 after 6 months |
$250 after 12 months |
$250 after 12 months
|
- - - |
- - - |
| Child Wellness |
$400 after 6 months |
$200 after 12 months |
$200 after 12 months |
$210 after 12 months |
- - - |
| Additional Cash Payment for Hospitalization |
Up to $500 per day (outside USA only) |
| Maternity |
$2500 additional deductible + Newborn Care, after 10 months |
- - - |
- - - |
- - - |
- - -
|
| Dental Injury |
$750 |
$500 |
$500 |
- - - |
- - - |
| Dental Pain |
100% |
$100 |
$100 |
- - - |
- - - |
| Politcal Evacuation |
$10,000 |
- - - |
- - - |
- - - |
- - - |
| Emergency Family Reunion |
$10,000 |
$10,000
|
$10,000
|
- - - |
$10,000
|
| Return of Bodily remains to Home Country |
$50,000 |
$25,000 |
$25,000 * |
$25,000 |
$10,000 |
| eDoc America |
Free direct physician access via email |
|
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| TelaDoc |
$45 co-pay: Direct physician access via phone or video consultations |
| 24/7 Global Concierge, Health & Assistance Services |
Travel and Medical Assistance Services |
| MyIMG Online Member Portal |
Submission & Claims management - Explanation of Benefits - Pre certification - Customer Care via live chat, email or phone - locate medical providers - obtain ID cards, your policy & other documents |
| Pre-existing Medical Condition Limitations |
Covered same as any illness |
$50,000 Lifetime - $5,000 per year - 24 month waiting period |
Not Covered |
| Optional Benefits |
Term Life
Accidental Death
Sports
Dental & Vision
Terrorism
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Term Life
Accidental Death
Sports
Dental & Vision
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Term Life
Accidental Death
Dental & Vision
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Term Life
Accidental Death
Dental & Vision
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Term Life
Accidental Death
Dental & Vision
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| Brochure |
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| Quote & Purchase |
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* Gold Plan: Designed for Expats that don't anticipate living abroad more than 3 years. Certain benefits are reduced beginning on the 37th month. See brochure for details.
** Bronze Plan: Primarily a hospitalization-only plan with limited outpatient benefits. See brochure for details.
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