Global Medical Insurance
Long Term International Medical Insurance for individuals and families
IMG Customer Commitment Video
Flexible, long-term, annually renewable, worldwide medical insurance program for U.S. citizens living or working abroad and for non-U.S. nationals worldwide.
- Flexible, comprehensive medical coverage
- Coverage for individuals and families
- Four unique plan designs - Silver, Gold, Gold Plus, and Platinum
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- Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, Sports
- Choose your area of coverage (worldwide or worldwide excluding the U.S. and Canada)
- Select from multiple deductible options
- Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
- Choose from several payment modes
- Multiple underwriting options to fit your needs
- Freedom to choose your provider
- Access to two extensive provider networks
- Emergency Medical Evacuation and other evacuation benefits
- Medical Concierge Program
- Medical professionals to coordinate your care
- 24 hour access to information
Who the plan is designed for:
- Coverage for individuals or families living or working abroad
- Contract employees living and working abroad
- Seniors with dual residencies six months or longer outside the U.S.
Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications. Your health care while abroad should not be one of those concerns. Global Medical Insurance is a revolutionary program from IMG that offers the flexible worldwide coverage you need, backed by the world-class services you expect. Unlike other health care programs on the market, Global Medical Insurance allows you to custom build a plan that is specifically tailored for you.
Global Medical Insurance is designed to meet your total needs. The program offers you the flexibility to select from an assortment of unique benefit options - each with specialized coverages. To accommodate your financial means, you can customize your length and area of coverage with the flexibility to select from multiple deductibles and modes of payment. With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.
Additionally, the program provides world-class services. To maximize the outcome of your medical care, our on-site clinical staff is ready to assist you at a moment’s notice, and our extensive global provider networks are quickly and easily accessible. You also have direct access to our Medical Concierge, an unequalled service that provides you with personalized assistance in locating the best provider for your specific needs, while saving you on out-of-pocket and medical expenses. You can also efficiently save time managing routine areas of your account by utilizing our secure, online service tools. In addition, IMG is available for service at your convenience - either through phone, email or Live Chat.
You need to know that you have the proper worldwide coverage. When you select Global Medical Insurance, you receive IMG’s commitment to deliver exceptional health benefits, medical assistance and service - all designed to give you Global Peace of Mind®.
Global Medical Insurance 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 six of the next 12 months. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the United States. Persons between the ages of 14 days and 74 years old may apply for coverage. Persons older than 74 years of age are not eligible. Certain other restrictions may also apply.
Families applying for Global Medical Insurance will receive free coverage for the first two eligible dependent children between the ages of 14 days to 9 years when both parents are insured under the Global Medical Insurance plan. Children under the age of 19 applying individually should use the male 19-24 age bracket when applying for coverage. Each person requesting coverage must complete the information required in the application.
Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium
Citizenship: All Nationalities
Residency: All Nations
(not available to residents of New York State)
Age: Must apply by age 65. Lifetime renewability
US citizens must spend at least 6 months per year outside the US.