Q: How do I apply for the Global Medical Insurance (GMI) plan? How do I know this is the policy I need for my particular set of circumstances?
A: Click here to instantly apply and get a quote on-line through the IMG SelectaPlan secure web server or click to download the GMI brochure and application . You will answer a few short questions and the SelectaPlan will determine which plan is suited for you. You may also go to our GMI webpage for detailed plan information.
Q: I already have health coverage in my country of citizenship. Why should I be interested in purchasing Global Medical Insurance coverage?
A: There are a mulititude of possible reasons. Just keep in mind that if you are a US citizen, your current HMO/PPO provider program may not cover you once you leave the country. Besure to check your current policy for details regarding international medical coverages AND how they will handle medical emergency evacuations! They probably can't do either of these. Medicare will not cover a US citizen outside the US !
Q: How is Global Basic Insurance different from Global Medical Insurance?
Q: Is a U.S. citizen able to purchase the Global Medical Insurance coverage?
A: Yes. It is available to individuals and families of all nationalities. U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least 6 months of the year (not necessarily all at one time).
Q: Can a non-U.S. citizen purchase the Global Medical Insurance coverage?
A: Yes. It is available to all individuals and families of all nationalities. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligiblity restrictions may apply to non-U.S. citizens residing in the United States. This plan provides an alternative to opt-out of other health care programs and own a US-style major medical policy. Contact us if you have any questions about eligibility.
Q: How young or old can you be to purchase the GMI plan?
A: Persons between the ages of 14 days and 74 years old may apply for coverage. You are not eligible for the GMI plan if over 74 years of age. Certain other restrictions may also apply. Contact us for further details.
Q: How do I apply for this plan and when can I apply?
A: The easiest and most effective method to apply is online through our secure server with IMG - click here to quote and purchase the GMI plan online. Or, you can print the paper application and FAX or mail the completed application directly to IMG. The number and address is found on the bottom of the last page of the application.
You can apply up to 30 days prior to your requested effective date.
Q: After applying, how long will it take to get approved?
A: Generally, you are approved within 5 to 7 business days from the date the application is received. You will receive your policy in the mail within 2-3 weeks from the date of approval unless you agree to pay an additional charge for overnight delivery, which will get the policy information to you much sooner. Be aware that if you have any major pre-existing medical conditions stated on the application, the Underwriting process may take longer and may require follow up information for processing. Contact us for any questions you may have.
Q: Are faxed applications for Global Medical Insurance accepted?
A: Yes. Please fax entire application to IMG headquarters @ 1.317.655.4505.
Q: I would like to purchase the policy. Do you require payment before my application is approved?
A: Yes. Our carriers accept MasterCard, Visa, American Express for quarterly, semi-annual and annual payments and personal checks are accepted on an annual basis only. Make personal checks payable to IMG. Please do not send cash in the mail or send any credit card information via email.
Q: What is the refund policy for this plan?
A: If once you are accepted in the plan and after 15 days of reviewing the fulfillment kit contents your are dissatisfied, you may request in writing a full refund and cancellation. After 15 days, please contact an IMG Marketing Agent at 1.866.368.3724
Q: What are the costs to add dependent children on to the GMI plan?
A: If both parents/guardians are insured under the GMI plan, then the first two (2) children under the age of 10 are FREE! If you have more than two children under the age of 10, then there is a premium charge for the third and subsequent child. If any of your children are above the age of 10, then there is a premium charge for such children. Please review the premium table for rates. Newborns of covered individuals are automatically covered if notification is given to IMG within a specified period of time after birth of the child.
Q: Are the deductibles and co-insurance different depending on where you are residing in the world?
A: Yes. For eligible expenses incurred in the US and Canada: once the deductible is met, GMI pays 80% of the next US$5,000 in eligible expenses then 100% of eligible expenses up to the policy maximum of US$5,000,000. But, by utilizing our PPO network while in the US, you can reduce your deductible by 50% and any coinsurance applicable to that charge is waived when eligible treatment is received from a network provider.
For eligible expenses incurred outside of the US and Canada: once the deductible is met, the GMI plan will pay 100% of eligible expenses up to the policy maximum of US$5,000,000. NO Coinsurance is paid outside the US and Canada! Each person will only need to satisy their deductible once per policy period (12 months), with a maximum of three deductibles per family.
Q: If I am a US expatriate who is currently residing in England but will be moving to Indonesia, can I maintain my GMI plan and coverage?
A: Yes. You may reside anywhere in the world (with US citizens having certain restrictions inside the US and it's territories). Just notify us of your address change ASAP.
Q: What is the yearly renewal process like?
A: Very easy! With an Internet connection, you may visit our online renewal center for renewal of your important coverage every year. IMG will send you both an email and regular mail notification of the need to renew -- you may either perform the online renewal or paper renewal, which ever is most convenient for you.
As a US citizen, you will be asked specifically at renewal time if you will continue to intend on residing outside the US for the minimum six months specified in the policy. If you can answer "YES", then you will be typically renewed; otherwise, if answered "NO", you will not be renewed due to the eligiblity requirement set forth yearly by the plan.
Q: If I am a US citizen and plan to reside within one of the US Territories (ie; US Virgin Islands, Guam, Puerto Rico, etc.), is there a long-term plan for me?
A: Yes. Please contact us directly via email or phone to learn more about your options.
