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Global Medical Insurance

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International Health Insurance for Expatriates Worldwide

Global Medical Insurance is the premier expatriate policy for individuals/family living or working long-term worldwide, available plan options suits every budget. Review the Global Medical Insurance plan administered by International Medical Group (IMG) and underwritten by SiriusPoint.

COVID-19 / SARS-CoV-2 / Coronavirus   Effective January 3, 2022, COVID-19/SARS-CoV-2 will be considered by the Global Medical Insurance plan administrator the same as any other included illness or injury (subject to all other terms and conditions of the policy wording) and Covid sickness coverage is INCLUDED. Modification to the Pandemic and Epidemic language to include coverage for COVID-19 is made to the GMI policy. For policies effective from March 11, 2020 through January 2, 2022, COVID-19 will NOT be covered and excluded from coverage. The World Health Organization (WHO) had declared the coronavirus related disease as a pandemic, hence the exclusion applies per the previous policy certificate of insurance document.

Global Medical Insurance is a long-term worldwide medical insurance for individuals and families who work and live outside their home country or country of citizenship. Global Medical Insurance can be the perfect global health insurance plan solution for long-term travelers, foreign residents, and expatriates are looking for health coverage beyond their home country borders for an extended period of time.

Global Medical Insurance offers four unique plan designs: Bronze, Silver, Gold, and Platinum. The policy also allows you to choose your area of coverage as worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. Optional riders include Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, and Sports rider. For family with children, the premium covers first two children with ages between 14 days and 9 years at no additional quoted cost for the first year.

Global Medical Insurance is a perfect for recently-immigrated individuals in the U.S. who need coverage until they qualify for a traditional domestic health insurance plan. The policy also is an ideal solution for many expatriate American citizens or other foreign nationals, who work and live outside their home country for prolonged duration. The GMI plan is best suited and specifically designed for:

  • Coverage for individuals or families living or working abroad
  • Contract employees living and working overseas
  • Seniors with dual residencies six months or longer outside the U.S

The GMI policy is administered in the United States and globally by International Medical Group (IMG) and is underwritten by SiriusPoint Specialty Insurance Corporation, and is rated A “Excellent” by A.M. Best.

Global Medical Insurance Review

Top International Health Insurance COVID-19

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Notes: Top-rated annual coverage for expatriates living or working worldwide, requires plan acceptance, quick medical underwriting decision, best in class health benefits for ages below 75 years. Renewable.

Eligibility: Any individuals and/or family living/working outside their home country, needing worldwide coverage without borders. Available up to age below 75 years only.

Coverage Duration: Annual coverage (365 days), with yearly, semi-annual, quarterly, or monthly premium payment options.

Amounts:

  • Member maximum limits: $1 million, $5 million, or $8 million (per individual)
  • Choice of deductible: $100 to $25,000 (per period of coverage)

Plan Brochure →

Policy Description →

PPO Network: For treatment received within USA, plan uses UnitedHealthCare or FirstHealth Preferred Provider Organization (PPO) network (depends on insured home country), NO co-insurance applies when you stay within the IMG PPO network to consult a doctor or hospital for medical care. For treatment received outside the USA, No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.

Renew or Extend: Annually renewable policy, with deductible carry forward.

Other Highlights

  • Expatriate individuals/family outside home country
  • Major medical plan without national borders
  • Maternity/childbirth,  child preventative care included
  • Benefits for hospital/emergency, mental/nervous, more.
  • Acute-onset of pre-conditions included
  • Quote & apply online, quick decision on acceptance
  • Optional riders to policy available

Global Medical Insurance Information

IMG Global Medical Insurance plan is designed for the global residents or expats living abroad, and needing an international health insurance plan that offers coverage worldwide in any foreign country. The GMI plan is the premier international health insurance for expatriate health care, long-term comprehensive coverage and suits U.S. citizens living abroad or foreign expats living and working worldwide

More Information

International Health Insurance

International Health Insurance which is also referred to as global health insurance or worldwide medical insurance, are long-term health plans providing major medical coverage, no matter where you live around the world. International Health Insurance plan typically require medical underwriting to be accepted for coverage, these annual term medical policies are renewable, and usually offer comprehensive medical coverage the world over. Low cost versions of these plans with fixed benefits and coverage excluding USA and Canada are also available as essential and affordable value products.

People are increasingly becoming more and more globally mobile, with many individuals and/or families choosing to either to live, study or simply travel abroad for extended periods of time. Further, travel medical insurance plans do not always provide the coverage they need or expect in short term products that are designed to offer a value in terms of price. While visitor health insurance will usually return the visitors back to their home country to continue treatment once they are fit enough to make the journey back, global health plans will provide robust benefits to international citizens to get the care and treatment in any country that fall sick or become injured. International health insurance plans are designed to cover inpatient treatment check-ups including preventative care and annual physicals, allowing the sick or injured to continue receiving treatment for even chronic conditions abroad.

Expatriate Health Insurance

Expatriate health insurance are basically international medical insurance plans that are designed for expats living and working outside their homeland for longer duration. Health insurance for expatriates typically offer major medical coverage with comprehensive and portable benefits with higher maximums as standard features included in these plans. Expatriate medical insurance plans are ideally suited for expats who are living and/or working in China, USA, Canada, Mexico, Brazil, UK, Germany, France, Australia, UAE, Singapore, Hong Kong, Japan, India, or any nation abroad for a prolonged period of time. International medical insurance will usually allow you to choose where you have treatment, and these plans typically offer comprehensive coverage at a price to fit various budgets and coverage needs.

Global Medical Insurance Highlights

  • Four unique plan options – Bronze, Silver, Gold, and Platinum – to fit your budget
  • Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Adventure Sports
  • Choose your area of coverage (worldwide or worldwide excluding the U.S. and Canada)
  • Select from choice of deductible options to lower premium costs
  • Family premium covers first two children between 14 days and 9 years at no additional cost
  • Choose from several payment modes – recurring monthly payment to single annual premium
  • Offers essential health benefits such as maternity, pediatric care and mental health services
  • Multiple underwriting options to fit your exact coverage needs and budget
  • Freedom to choose your provider – doctor or hospital – to receive care
  • Access to extensive provider PPO network and help locating providers worldwide
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program from IMG for best enhance care and support
  • Medical professionals available on call to coordinate your care
  • 24 hour access to policy information and support from anywhere in the world

Overview

Global Medical Insurance Overview

Review Global Medical Insurance plan summary as below:

  • Eligibility: Age below 75 years, and a global resident or global travelers or an expatriate.
  • Policy Maximum: Plan offers maximum coverage choices from $1,000,000 to $8,000,000 per individual for the life of the plan.
  • Plan Deductible: Choice of $250 to $25,000 per annual period of coverage.
  • Duration: Annual plan, but choose to pay monthly/quaterly/semi-annually/annual premiums.
  • Pre-Existing Conditions: Acute onset of pre-existing condition coverage without any limitation is available with Platinum plan option.
  • Coverage Benefits: Covers Preventative Care, Physician Doctor office visits, Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Surgeon Fees, Emergency Room visits covered, Pre-admission tests and Diagnostics, X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
  • Administrator: Plan is administered by International Medical Group (IMG).
  • Underwriter: Policy is underwritten by SiriusPoint Specialty Insurance Corporation (rated A “Excellent” by A.M. Best).

Details

Global Medical Insurance Plan Details

Global Medical Plan Details

Global Medical Insurance (GMI)  offers wide array of long-term medical benefits. Please review the IMG Global Medical plan details and additional information below:

Global Medical Plan Information & Highlights
Quote & Buy Online Buy Global Medical Insurance, receive proof of coverage and ID cards instantly.
Review Plan Brochure Global Medical Insurance Brochure
Renew Coverage Online Renew GlobalMedical Insurance Online, extend coverage dates on an annual basis (1 year).
Keeps coverage active without letting the policy lapse/expire.
Note: A $5 renewal fee applies each time you renew.
Plan Eligibility Individuals & family members living & working worldwide.
Note: This plans suits the coverage needs of expatriates and global residents that need health coverage beyond national borders.
Area of Coverage Coverage area is:
Area 3 – Worldwide Coverage, or
Area 2 – Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan.
Summary of Benefits – Subject to deductible and coinsurance unless otherwise noted
Lifetime Maximum Limit
Bronze Silver Gold Platinum
$1,000,000 per individual $5,000,000 per individual $5,000,000 per individual $8,000,000 per individual
Deductible
Bronze Silver Gold Platinum
$250 to $10,000 $250 to $10,000 $250 to $25,000 $100 to $25,000
Deductible Carry Forward
Bronze Silver Gold Platinum
$250 to $10,000 $250 to $10,000 $250 to $25,000 $100 to $25,000
Treatment Outside the U.S.
Bronze Silver Gold Platinum
50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge
Bronze Silver Gold Platinum
50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. – PPO Network
Bronze Silver Gold Platinum
Subject to deductible. No coinsurance. Subject to deductible. No coinsurance. Subject to deductible. No coinsurance. Subject to deductible. No coinsurance.
Treatment inside the U.S. – Non-PPO Network
Bronze Silver Gold Platinum
Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Coinsurance
Bronze Silver Gold Platinum
International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%		 International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%		 International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%		 International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
Outpatient
Bronze Silver Gold Platinum
$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays
$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)Subject to deductible and coinsurance		 $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges
$500 maximum limit – surgery intervention consultation chargesSubject to deductible and coinsurance		 Subject to deductible and coinsurance Subject to deductible and coinsurance
Mental/Nervous
Bronze Silver Gold Platinum
NA Outpatient after 12 months of continuous coverage. $10,000 maximum per period of coverage with a $50,000 lifetime maximum – Available after 12 months of continuous coverage. $50,000 lifetime maximum – Available after 12 months of continuous coverage
Hospital Emergency Room Injury
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Hospital Emergency Room Illness
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. Covered only if admitted as inpatient Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board
Bronze Silver Gold Platinum
Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximum Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average private room rate
Intensive Care Unit
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event Subject to deductible and coinsurance Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. $600 maximum per examination Subject to deductible and coinsurance. $600 maximum per examination Subject to deductible and coinsurance Subject to deductible and coinsurance
Surgery
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Assistant Surgeon
Bronze Silver Gold Platinum
20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Maternity (Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program – available after 10 months of coverage)
Bronze Silver Gold Platinum
NA NA NA $2,500 additional deductible per pregnancy.
$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.
$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth
Podiatry Care
Bronze Silver Gold Platinum
NA NA $750 maximum limit $750 maximum limit
Physical Therapy
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. $40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery Subject to deductible and coinsurance. $40 maximum per visit – 30 visit limit Subject to deductible and coinsurance. $50 maximum per visit Subject to deductible and coinsurance. $50 maximum per visit
Organ Transplants
Bronze Silver Gold Platinum
$250,000 lifetime maximum $250,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum
Prescription Coverage
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event Subject to deductible and coinsurance. 90-day supply per prescription following related covered event Subject to deductible and coinsurance. 90-day supply per prescription International – 100%.
Inside U.S. –
Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription
Adult Preventative Care (Age 19 or older)
Bronze Silver Gold Platinum
NA NA $250 per period of coverage – not subject to deductible or coinsurance. $500 per period of coverage – not subject to deductible or coinsurance.
Child Preventative Care (Through age 18)
Bronze Silver Gold Platinum
NA $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. Available after 12 months of continuous coverage $200 maximum per period of coverage – not subject to deductible or coinsurance. $400 maximum per period of coverage – not subject to deductible or coinsurance.
Healthy Travel Preventative Coverage
Bronze Silver Gold Platinum
Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance.
Vision
Bronze Silver Gold Platinum
Optional Rider Optional Rider Optional Rider Exams – up to $100 maximum per 24 months.
Materials – up to $150 per 24 months.
Emergency Local Ambulance – (Injury or illness resulting in an inpatient hospital admission)
Bronze Silver Gold Platinum
$1,500 maximum limit per event – not subject to deductible or coinsurance. $1,500 maximum limit per event – not subject to deductible or coinsurance. Subject to deductible and coinsurance Not subject to deductible and coinsurance
Emergency Evacuation
Bronze Silver Gold Platinum
$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.		 $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.		 Up to maximum limit.
Not subject to deductible or coinsurance.		 Up to maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion
Bronze Silver Gold Platinum
$10,000 lifetime maximum. Not subject to deductible or coinsurance NA $10,000 lifetime maximum. Not subject to deductible or coinsurance $10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer – (Transfer from one licensed health care Facility to another licensed health care Facility)
Bronze Silver Gold Platinum
$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only $1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only Not subject to deductible or coinsurance. U.S. only Not subject to deductible or coinsurance. U.S. only
Political Evacuation and Repatriation
Bronze Silver Gold Platinum
NA NA NA Up to $10,000 lifetime maximum
Remote Transportation
Bronze Silver Gold Platinum
NA NA NA $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance
Return of Mortal Remains
Bronze Silver Gold Platinum
$10,000 lifetime maximum – not subject to deductible or coinsurance. $25,000 lifetime maximum – not subject to deductible or coinsurance. $25,000 lifetime maximum – not subject to deductible or coinsurance. $50,000 lifetime maximum – not subject to deductible or coinsurance.
Complementary Medicine
Bronze Silver Gold Platinum
NA NA $500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury – Treatment at a hospital facility
Bronze Silver Gold Platinum
$1,000 per period of coverage $1,000 per period of coverage Up to the lifetime maximum limit Up to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth
Bronze Silver Gold Platinum
NA NA $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an Accident
Bronze Silver Gold Platinum
NA NA $500 per period of coverage See Non-Emergency Dental benefit
Non-emergency Dental Treatment
Bronze Silver Gold Platinum
Optional Rider Optional Rider Optional Rider $750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity – (Outside the U.S. only)
Bronze Silver Gold Platinum
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.		 Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.		 Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.		 Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident
Bronze Silver Gold Platinum
NA NA $300 of Eligible Medical Expenses following an accident $500 of Eligible Medical Expenses following an accident
Pre-Existing Conditions Limitation**
Bronze Silver Gold Platinum
Excluded $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. NA
Global Medical Insurance – Miscellaneous Information
Preferred Provider PPO Network Search for doctors/hospitals within the IMG Insurance Provider PPO Network.
Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network.
Access care at any doctor or hospital, even outside the PPO network.
Exclusions & Limitations Exclusions apply, see Exclusions & Limitations section in plan brochure for details
Pre-certification Requirements 50% reduction of Eligible Medical Expenses if Pre-certification provisions are not met.
See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits.
Claims & Reimbursement Download and print the IMG Claims Form to submit proof of claims for review & reimbursement.
Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator.
The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred.
Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense.
Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered.
Cancellation & Refund If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable.
If no claims have been filed with the Company,
1. A cancellation fee of US$50.00 will be charged; and
2. Only whole or full month premiums will be considered as refundable.
Note: A written (email) request is required.
Client Dashboard Easy access to the IMG Client Dashboard from anywhere in the world to manage your account.
Worldwide Assistance Access quality service from International Medical Group 24/7 and 365 days of the year.
Plan Administrator International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA.
Insurance Underwriter GlobalMedical plan is underwritten by SiriusPoint Specialty Insurance Corporation.
Ratings of Insurance Underwriter SiriusPoint is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.
Application Form Print and complete paper application, mail/fax the Global Medical Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.
Quote & Buy Online Global Medical Insurance Quote

Disclaimer:
** – If applicants can verify their prior comprehensive health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any comprehensive health plan established or maintained by a State or the U.S. government).
* – This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. The plan administrator IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.
The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.

Plan Documents

Global Medical Insurance Plan Brochure

Global Medical – Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.

Global Medical Insurance Certificate

Global Medical – Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.

PPO Network

Global Medical Insurance PPO Network

Global Medical Insurance PPO Network

IMG Global Medical Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

  • Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.

Quote & Buy

Global Medical Insurance - Quote/Buy Online or Apply

Get a quote, apply to buy online, or send completed the paper application along with the payment.

Policy Admin

Global Medical Plan Renew/Extend Coverage

The GMI plan coverage can be extended or renewed for an unexpired policy certificate on an annual basis. A $5 renewal additional fee apples for each renewal application.

Global Medical Insurance Client Dashboard

IMG Global Medical client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

  • Client Dashboard: Access the IMG Global Medical coverage on the IMG Client Resources dashboard for existing policyholders.
  • Claim Form: Download and submit the IMG Global Medical Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Global Medical Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Global Medical Insurance FAQ

Below are some of the questions frequently asked with the GMI plan gathered over many years:

For an expatriate, how can IMG Global Medical plan help?

Who Can Enroll in the IMG Global Medical Insurance Policy

Being a global citizen can be an exciting experience, but it also comes with additional potential complications as you navigate expat living. Your health care while traveling should not be one of those concerns. With Global Medical Insurance purchase, you will receive the worldwide medical coverage you need, backed by the world-class services you expect. As an expatriate living and working abroad, you need the proper worldwide coverage that is provided by a dependable plan such as GMI when you are sick or injured or just seeking preventative care. With the Global Medical Insurance plan, you receive coverage with exceptional medical benefits, medical assistance and backed by world-class service.

What are the IMG Global Medical Insurance plan highlights?

IMG Global Medical Insurance Plan Highlights

  • Eligibility: 14 days old up to 75 years old
  • Choice of medical maximum coverage and deductibles
  • Four unique plan options – Bronze, Silver, Gold, and Platinum
  • Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Adventure Sports
  • Choose your area of coverage (worldwide or worldwide excluding the U.S. and Canada)
  • Select from choice of deductible options to lower premiums
  • Family premium covers first two children between 14 days and 9 years at no additional cost
  • Choose from several payment modes – monthly payment to single annual premium
  • Offers essential health benefits such as maternity and pediatric care and mental health services
  • Multiple underwriting options to fit your needs
  • Freedom to choose your provider such as a doctor, clinic or hospital
  • Wide PPO network of doctors, emergency rooms, urgent care provider available
  • Access to extensive provider PPO network and avail coinsurance savings within the PPO
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program to enhance care
  • Medical professionals to coordinate your care
  • 24 hour access to information online and excellent policy support
  • Quick coverage approval, print virtual ID cards
  • Purchase and Renew online to extend policy coverage dates annually
  • Acute onset of a pre-existing condition coverage for ages below 70 years
  • Eligible Medical Expenses including Prescription Medication
  • Hospital Room and Board with Intensive Care coverage
  • Emergency Room Accident or Illness with Local Ambulance covered
  • Dental Treatment including charges due to an Accident or Emergency
  • Hospital Daily Indemnity for Incidental Charges
  • Common Carrier Accidental Benefit and Accidental Death and Dismemberment (AD&D)
  • Emergency Medical Evacuation, Return of Mortal Remains or Cremation/Burial
  • Administered by International Medical Group (IMG)
  • Underwritten by Sirius International Insurance Corporation

What are the salient features of the IMG Global Medical plan?

IMG Global Medical Insurance Review

  • Flexible, comprehensive worldwide medical coverage
  • Choice of coverage levels to fit your budget
  • Select from multiple deductibles options
  • Choose from several payment modes
  • Flexible underwriting options to fit your needs
  • Annually renewable to extend coverage duration
  • Freedom to choose your provider
  • Access to extensive provider PPO networks
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program with unmatched international services
  • Medical professionals to coordinate your care
  • 24 hour access to information

What is the beneficiary and who should I name as the beneficiary?

Beneficiary can be anyone, typically other than the insured persons

The Global Medical plan offers Accident Death & Dismemberment (AD&D) benefit paid out in the even of loss of life or loss of limb (arm or leg) that will be paid to beneficiary named to receive this benefit. The beneficiary can be any designated person chosen by the policy holder. It is a good idea to not name the insured persons in the policy as the beneficiary.

How do I pay for the IMG Global Medical plan purchase?

How to Quote and Apply to Buy the IMG Global Medical Insurance Plan

The IMG Global Medical plan can be purchased online using a credit card or debit card. When applying for the plan, you can choose the frequency of payment (single annual, semi-annual, quarterly, or monthly). The single annual payment is the cheapest, as there are higher administrative costs with the other payment options, and the monthly payment option being the most expensive. If you choose the paper application, payment details are necessary to be included on the application, but the card is not charged until the medical underwriting review process has been completed and the application has been approved.

Can I renew or extend the Global Medical Insurance for another year?

How to Renew or Extend the IMG Global Medical Insurance Coverage Dates

The IMG Global Medical plan can be purchased online using a credit card or debit card. When applying for the plan, you can choose the frequency of payment (single annual, semi-annual, quarterly, or monthly). The single annual payment is the cheapest, as there are higher administrative costs with the other payment options, and the monthly payment option being the most expensive. If you choose the paper application, payment details are necessary to be included on the application, but the card is not charged until the medical underwriting review process has been completed and the application has been approved.

What are the common terms used in the Global Medical plan?

Medical Maximum, Deductible, Coinsurance are commonly referenced

Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.

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