Overview of Global Medical Insurance:
Global Medical Insurance provides US$5,000,000 of lifetime coverage with a full range of benefits suited for individuals and families. The plan offers two options: worldwide coverage or worldwide coverage excluding the U.S and Canada. Both options provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment. When you select Global Medical Insurance 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 US. Contact us to determine your eligibility if any questions.
Global Medical Insurance®- Worldwide provides access to medical care worldwide including the United States. In the United States, Global Medical Insurance®- Worldwide policy holders will enjoy a reduction in deductible and waiver of coinsurance in IMG's Preferred Provider Network of over 325,000 doctors and 3,500 hospitals. A new international network of providers is available as well.
IMPORTANT: In order to qualify for Global Medical Insurancesm, citizens of the United States must intend to reside outside of the United States 6 months of the year. Your requested effective date must not be before the date of your departure and your application must not be submitted before 30 days of your impending departure date. If you do not meet the criteria above please feel free to contact us.
NOTE: Recreational SCUBA Coverage is covered now for 2005 ! If participating in any other hazardous activities / sports, you will also want to review the Patriot Extreme Travel policy as an addition.
Global Term Life Insurance (Group Term)
Global Term Life Insurance provides protection for your family at the time of a traumatic loss and is available with no additional underwriting for those that qualify for the Global Medical Insurance plan. This coverage is available in either one or two units of coverage and includes an Accidental Death and Dismemberment benefit.
Global Term Life Insurance is an optional program purchased in units. The number of units applicants may purhase is based upon their age at time of application and each subsequent renewal. Applicants from age 31 days through 18 years and from 65 through age 69 are eligible for one unit of coverage. Applicants from age 19 through age 64 are eligible for two units of coverage.
The first unit (or Basic Term Life Premium) is US$240 per year. The additional unit (or Supplemental Term Life Premium) is an additional US$180 per year. If both units are purchased, the total Term Life Premium is US$420 per year. Refer to the diagram below for coverage and units available:
Global Daily Indemnity
Global Daily Indemnity pays you US$100 for each covered overnight hospital stay other than those related to pregnancy. Unfortunately, obligations and bills continue even during a hospital stay. The Global Daily Indemnity is an excellent way to offset these expenses.
Lifetime Eligibility
Individuals covered by the Global Medical Insurance Plan by their 65th birthday who maintain continuous coverage to age 75 are eligible for IMG's Global Senior Plansm
