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Global Benefits
 International Health Insurance 
  • Worldwide Expat Medical Insurance for Residents of All Nations
  • Emergency Evacuations, Hospitalization, Medical Emergency, Accident, Sickness, Outpatient, Wellness, Vision & Dental
  • 24/7 Travel Assistance Services
  • Expatriate Medical Insurance:  Why You Need It


Plan and Benefit Comparisons
The below is only a brief outline of coverages for comparison purposes only.  Please review brochure for specific benefit variations and plan options.
Company International Medical Group
Plan Name Platium Gold Plus Gold * Silver Bronze **
Residency Eligibility
  • US citizens abroad for at least 6 of next 12 months
  • Non-US citizens in home country or abroad
Initial Age Eligibilty Less than age 75
Lifetime Maximum Benefit Limit $8,000,000 $5,000,000

$5,000,000

$5,000,000

$1,000,000

Accident and Sickness Medical Expense $8,000,000 $5,000,000

$5,000,000

$5,000,000

$1,000,000

Emergency Medical Evacuation $8,000,000

$5,000,000

$5,000,000 *

$50,000

$50,000

Deductible Choices
  •  Treatment Abroad:  $50, $125, $250, $500, $1250, $2500
  • Treatment in USA using IMG Medical Concierge: $50, $125, $250, $500, $1250, $2500
  • Treatment in USA using IMG PPO: $100, $250, $500, $1000, $2500, $5000
Coinsurance % Abroad 100% after deductible
Coinsurance % USA Medical PPO Network 100% after deductible
Hospitalization $8,000,000 $5,000,000 $5,000,000 *

$5,000,000

$600 daily max

$1,000,000
Outpatient $8,000,000 $5,000,000 $5,000,000 * Various limits per procedure Not covered unless related to hospitalization
Adult Wellness $500 after 6 months $250 after 12 months

$250 after 12 months

- - - - - -
Child Wellness $400 after 6 months $200 after 12 months $200 after 12 months $210 after 12 months - - -
Additional Cash Payment for Hospitalization Up to $500 per day (outside USA only)
Maternity $2500 additional deductible + Newborn Care, after 10 months - - - - - - - - -

- - -

Dental Injury $750 $500 $500 - - - - - -
Dental Pain 100% $100 $100 - - - - - -
Politcal Evacuation $10,000 - - - - - - - - - - - -
Emergency Family Reunion $10,000

$10,000

$10,000

- - -

$10,000

Return of Bodily remains to Home Country $50,000 $25,000 $25,000 * $25,000 $10,000
eDoc America Free direct physician access via email
TelaDoc $45 co-pay: Direct physician access via phone or video consultations
24/7 Global Concierge,  Health & Assistance Services Travel and Medical Assistance Services
MyIMG Online Member Portal Submission & Claims management - Explanation of Benefits - Pre certification - Customer Care via live chat, email or phone - locate medical providers - obtain ID cards, your policy & other documents
Pre-existing Medical Condition Limitations Covered same as any illness $50,000 Lifetime - $5,000 per year - 24 month waiting period Not Covered
Optional Benefits
Term Life
Accidental Death
Sports
Dental & Vision
Terrorism
Term Life
Accidental Death
Sports
Dental & Vision
Term Life
Accidental Death
Dental & Vision
Term Life
Accidental Death
Dental & Vision
Term Life
Accidental Death
Dental & Vision
Brochure
Quote & Purchase
* Gold Plan:  Designed for Expats that don't anticipate living abroad more than 3 years. Certain benefits are reduced beginning on the 37th month.  See brochure for details.
** Bronze Plan:  Primarily a hospitalization-only plan with limited outpatient benefits.  See brochure for details.