IMG's international medical insurance plans are designed specifically to serve the needs of expats and their families.
Rest a-sured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
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any expats and diplomats are surprised to learn that their domestic health insurance plans may not follow them while living or working internationally. IMG's international medical insurance options include plans that have been designed specifically to serve the needs of expatriates and their families, and can provide invaluable peace of mind for globally mobile citizens.
IMG's expatriate health insurance provides 24/7 global access to health care, and connects expats to important international medical services, such as the coordination of emergency evacuations. These plans can be customized to suit the needs of expatriate individuals, families and groups.
BenefitBronzeSilverGoldPlatinum Lifetime Maximum Limit$1,000,000 per individual$5,000,000 per individual$5,000,000 per individual$8,000,000 per individualDeductible (Per period of coverage)$250 to $10,000$250 to $10,000$250 to $25,000$100 to $25,000Treatment Outside the U.S.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 Concierge50% 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 NetworkSubject 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 NetworkSubject 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.CoinsuranceInternational – 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
Subject to deductible and coinsuranceSubject to deductible and coinsuranceMental/Nervous N/AOutpatient 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 Subject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceSubject to deductible and coinsuranceHospital Emergency Room IllnessSubject to deductible and coinsurance. Covered only if admitted as inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientSubject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatientHospitalization / Room & Board Subject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximumSubject to deductible and coinsurance for average semi-private room rateSubject to deductible and coinsurance for average private room rateIntensive Care Unit Subject to deductible and coinsurance
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