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IMG Global Medical Insurance Silver Benefits

Global Medical Insurance offers you the choice of three plan options: Silver, Gold and Platinum. You also have the opportunity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada. Simply choose the plan option and coverage area that best fits your needs. Each one offers a full range of benefits suited for individuals and families, provides 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 Global Peace of Mind®.

Benefit Description
Subject to deductible and coinsurance unless otherwise noted
Silver
Coverage Area

Two options: worldwide or worldwide excluding the U.S. and Canada

Policy Maximum $5,000,000
Deductible

$250 to $10,000
50% reduction within PPO

Family Deductible

3 times the individual deductible

Coinsurance within the U.S. and Canada

80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum per period of coverage

Coinsurance within the PPO network and outside the U.S. and Canada

No Coinsurance

Hospitalization / Room & Board

$600 per day - 240 day maximum

Intensive Care Unit

$1,500 per day - 180 day per event

Surgery

Usual, Reasonable & Customary charges (URC)

Anesthetist's Charges Associated with Surgery

20% of surgery benefit

Transplants

$250,000
per transplant

Outpatient

25 visits: $70 doctor/specialist;
$60 psychiatrist; $50 chiropractor;
$250 X-ray per exam maximum limit;
$500 surgery intervention consultation;
$300 lab tests per exam maximum limit

Rx Coverage

Usual, Reasonable & Customary charges (URC)

Emergency Room Illness

Usual, Reasonable & Customary charges (URC)

Emergency Room Accident

Usual, Reasonable & Customary charges (URC)

Local Ambulance

$1,500 per covered event
not subject to deductible or coinsurance

Emergency Evacuation

$50,000  per period of coverage
 not subject to deductible or coinsurance

Emergency Reunion

NA

Return of Mortal Remains

$25,000
lifetime maximum per insured - not subject to deductible or coinsurance

Maternity

Optional Rider
$50,000 lifetime maximum,
maximum of $5,000 for normal delivery,
$7,500 for C-section - not subject to deductible or coinsurance,
$200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage)

Supplemental Accident

NA

Mental/Nervous

Outpatient only after 12 months

Adult Wellness

NA

Child Wellness

Three visits per period of coverage -maximum $70 per visit. Available after 12 months of continuous coverage

Other Services

Extended Care - limited to first 30 days of confinement
Radiation Treatment - URC
Home Nursing Care - limited 30 days per covered event
Hospice Care - limited 30 days per covered event
Prosthetic Devices - all URC

Physical Therapy

Maximum $40 per visit 30 visit maximum per period of coverage

High School Sports Injury

NA

Recreational SCUBA

NA

Remote Transportation

NA

Political Evacuation and Repatriation

NA

Complementary Medicine

NA

Non-emergency Dental

NA

Emergency Dental due to Accident

$1,000 per period of coverage

Emergency Dental due to Sudden Unexpected Pain

NA

Vision

NA

Global Concierge & Assistance Services

NA

Pre-existing Conditions

$5,000 per period of coverage up to a $50,000 lifetime maximum. Available after 24 months of continuous coverage

NA (Not Applicable) / URC (Usual, Reasonable and Customary) / SAAI (Same As Any Illness)

 

This website contains only a consolidated and summary description of some of the current Global Medical Insurance 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. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wording.

Global Concierge and Assistance ServicesSM

DEDICATED SERVICE LINE
An international toll-free number accessible worldwide 24/7.

DEDICATED CLAIMS TEAM
Provides members with expedited claims processing.

BAG TRACKING
Assistance in locating lost checked baggage and arranging the delivery of it to you anywhere in the world.

DRUG TRANSLATION SERVICES
24/7 online access that provides country specific brand names of common prescription and over-the-counter medications.

EMBASSY & CONSULATE REFERRALS
Provides the location and contact information of the nearest U.S. Embassy or Consulate.

EMERGENCY CASH TRANSFERS
Assists in arranging and obtaining cash transfers anywhere in the world.

EMERGENCY MESSAGE RELAY
Relay messages to your family, friends and co-workers, helping you maintain contact during an emergency.

EMERGENCY TRAVEL ARRANGEMENTS
Assists in making the appropriate travel arrangements in the event you must interrupt your travel and return home.

LEGAL REFERRALS
Provides the contact information for an attorney located in your country of travel.

LOST PASSPORT/TRAVEL DOCUMENTS ASSISTANCE
Assists in reporting, retrieval or replacement of lost or stolen travel documents.

PRESCRIPTION DRUG REPLACEMENT ASSISTANCE
Assists in the replacement and shipment of lost or damaged medication.

PRE-TRIP HEALTH AND SAFETY ADVISORIES
24/7 online access to information concerning current passport and visa requirements; information regarding inoculations and vaccinations; and up-to-date travel safety advisories.

SECURITY UPDATES AND COUNTRY PROFILES
24/7 online access to the latest advisories and travel warnings.

Global Concierge and Assistance Services are additional services offered under the Platinum plan option. They are not insurance benefits





IMG Global Medical Insurance Silver

 

International Medical Group

IMG Global Medical Insurance Silver

Plan Benefits

Plan Cost

Description of Coverage

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