Plan at-a-Glance

Length of Coverage

Annually renewable

Lifetime Maximum Coverage

$5,000,000

Eligibility

US citizens must leave the US on their effective date and plan to reside abroad for at least six months. Non-US citizens may reside anywhere including their home country, although certain eligibility requirements may apply to non-US citizens permanently residing in the US.  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 Plan^SM.

Deductible Options

$250, $500, $1000, $2500 $5000, $10000

For families, the maximum deductible you will have to pay is equal to three times the individual deductible amount.

Coinsurance Options

80/20 for treatment received INSIDE the U.S. or Canada: After your deductible is met, co-insurance pays 80% of  the next %5,000 of covered medical expenses  and 100% thereafter up to Policy Maximum

For treatment received OUTSIDE the U.S or Canada: NO Coinsurance.  The plan pay 100% after deductible is met up to Policy Maximum

Stop Loss

$5,000 for treatment received INSIDE the U.S. or Canada

$0 for treatment received OUTSIDE the U.S or Canada: NO Coinsurance.  The plan pay 100% after deductible is met

Out of Pocket Maximum

Varies with choice of deductible and where treatment is received. 

Out of Pocket Max can be calculated by Adding your deductible and 20% of Stop Loss. This will range from as little as $250 per year for a plan with a $250 deductible and treatment received outside the US or Canada to a max of $12,500 per year for a plan with a $10,000 deductible and treatment received inside the US or Canada.