Visitor Insurance Services

Visitor Insurance Services

Visitors to USA & Travelers outside America

Global Medical Insurance

Quote/Buy Online Plan Brochure

Global Medical Insurance is a long-term worldwide medical insurance for individuals and families who work and live outside their home country or country of citizenship. Global Medical Insurance can be the perfect global health insurance plan solution for long-term travelers, foreign residents, and expatriates are looking for health coverage beyond their home country borders for an extended period of time.

Global Medical Insurance offers four unique plan designs: Bronze, Silver, Gold, and Platinum. The policy also allows you to choose your area of coverage as worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan. Optional riders include Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism, and Sports rider. For family with children, the premium covers first two children with ages between 14 days and 9 years at no additional quoted cost for the first year.

Global Medical Insurance is a perfect for recently-immigrated individuals in the U.S. who need coverage until they qualify for a traditional domestic health insurance plan. The policy also is an ideal solution for many expatriate American citizens or other foreign nationals, who work and live outside their home country for prolonged duration. The GMI plan is best suited and specifically designed for:

  • Coverage for individuals or families living or working abroad
  • Contract employees living and working overseas
  • Seniors with dual residencies six months or longer outside the U.S

The GMI policy is administered in the United States and globally by International Medical Group (IMG) and is underwritten by Sirius International Insurance Corporation, and is rated A “Excellent” by A.M. Best.





visitor insurance services

Global Medical Insurance Overview

IMG Global Medical Insurance plan is designed for the global residents or expats living abroad, and needing an international health insurance plan that offers coverage worldwide in any foreign country.

Global Medical Insurance Review

Review Global Medical Insurance (GMI) plan as detailed below:

  • Eligibility: Age below 75 years, and a global resident or global travelers or an expatriate.
  • Policy Maximum: Plan offers maximum coverage choices from $1,000,000 to $8,000,000 per individual for the life of the plan.
  • Plan Deductible: Choice of $250 to $25,000 per annual period of coverage.
  • Duration: Annual plan, but choose to pay monthly/quaterly/semi-annually/annual premiums.
  • Pre-Existing Conditions: Acute onset of pre-existing condition coverage without any limitation is available with Platinum plan option.
  • Coverage Benefits: Covers Preventative Care, Physician Doctor office visits, Hospital Room and Board charges, Intensive Care unit charges, Local Ambulance, Surgeon Fees, Emergency Room visits covered, Pre-admission tests and Diagnostics, X-Rays, Labs, Prescription Drugs included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
  • Administrator: Plan is administered by International Medical Group (IMG).
  • Underwriter: Policy is underwritten by Sirius International Insurance Corporation (rated A “Excellent” by A.M. Best).

Global Medical – Plan Brochure

Review the plan brochure for coverage information including the summary of benefits table.


Global Medical – Certificate of Insurance

Review the plan sample certificate of insurance for detailed coverage information including plan exclusions and in-depth policy benefits.


Global Medical Insurance PPO Network

IMG Global Medical Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party FirstHealth PPO network and also the United HealthCare PPO network for caregivers and providers.

  • Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.


Global Medical Insurance – Quote/Buy Online or Apply

Quote/Apply/Buy instantly online or print/complete the paper application along with the payment.

GlobalMedical Plan Renew/Extend Coverage

The coverage can be extended or renewed for an unexpired policy certificate on an annual basis. A $5 renewal additional fee apples for each renewal application.

Global Medical Insurance Client Dashboard

IMG Global Medical client resources for existing policy holders to renew coverage dates, print ID cards, get the proof of coverage letter, submit claims, and more.

  • Client Dashboard: Access the IMG Global Medical coverage on the IMG Client Resources dashboard for existing policyholders.
  • Claim Form: Download and submit the IMG Global Medical Claim Form along with your bills and other supporting documents on the IMG Client Resources dashboard for review and settlement.

Global Medical Plan Details

Global Medical Insurance offers wide array of long-term medical benefits. Please review the IMG Global Medical plan details and additional information below:

Global Medical Plan Information & Highlights
Quote & Buy Online Buy Global Medical Insurance, receive proof of coverage and ID cards instantly.
Review Plan Brochure Global Medical Insurance Brochure
Renew Coverage Online Renew GlobalMedical Insurance Online, extend coverage dates on an annual basis (1 year).
Keeps coverage active without letting the policy lapse/expire.
Note: A $5 renewal fee applies each time you renew.
Plan Eligibility Individuals & family members living & working worldwide.
Note: This plans suits the coverage needs of expatriates and global residents that need health coverage beyond national borders.
Area of Coverage Coverage area is:
Area 3 – Worldwide Coverage, or
Area 2 – Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan.
Summary of Benefits – Subject to deductible and coinsurance unless otherwise noted
Lifetime Maximum Limit
Bronze Silver Gold Platinum
$1,000,000 per individual $5,000,000 per individual $5,000,000 per individual $8,000,000 per individual
Deductible
Bronze Silver Gold Platinum
$250 to $10,000 $250 to $10,000 $250 to $25,000 $100 to $25,000
Deductible Carry Forward
Bronze Silver Gold Platinum
$250 to $10,000 $250 to $10,000 $250 to $25,000 $100 to $25,000
Treatment Outside the U.S.
Bronze Silver Gold Platinum
50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. using Medical Concierge
Bronze Silver Gold Platinum
50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance. 50% of deductible waived, up to a maximum of $2,500. No coinsurance.
Treatment inside the U.S. – PPO Network
Bronze Silver Gold Platinum
Subject to deductible. No coinsurance. Subject to deductible. No coinsurance. Subject to deductible. No coinsurance. Subject to deductible. No coinsurance.
Treatment inside the U.S. – Non-PPO Network
Bronze Silver Gold Platinum
Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage.
Coinsurance
Bronze Silver Gold Platinum
International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
International – 100%
U.S. in-network – 100%
U.S. out-of-network – 80%
Outpatient
Bronze Silver Gold Platinum
$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays
$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits
$70 per visit/examination – specialists/physician charges
$50 per visit/examination – chiropractor charges
$500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsurance Subject to deductible and coinsurance
Mental/Nervous
Bronze Silver Gold Platinum
NA Outpatient after 12 months of continuous coverage. $10,000 maximum per period of coverage with a $50,000 lifetime maximum – Available after 12 months of continuous coverage. $50,000 lifetime maximum – Available after 12 months of continuous coverage
Hospital Emergency Room Injury
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Hospital Emergency Room Illness
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. Covered only if admitted as inpatient Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient
Hospitalization / Room & Board
Bronze Silver Gold Platinum
Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximum Subject to deductible and coinsurance for average semi-private room rate Subject to deductible and coinsurance for average private room rate
Intensive Care Unit
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event Subject to deductible and coinsurance Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. $600 maximum per examination Subject to deductible and coinsurance. $600 maximum per examination Subject to deductible and coinsurance Subject to deductible and coinsurance
Surgery
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Assistant Surgeon
Bronze Silver Gold Platinum
20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge
Chemotherapy or Radiation Therapy
Bronze Silver Gold Platinum
Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance Subject to deductible and coinsurance
Maternity (Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program – available after 10 months of coverage)
Bronze Silver Gold Platinum
NA NA NA $2,500 additional deductible per pregnancy.
$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.
$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth
Podiatry Care
Bronze Silver Gold Platinum
NA NA $750 maximum limit $750 maximum limit
Physical Therapy
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. $40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery Subject to deductible and coinsurance. $40 maximum per visit – 30 visit limit Subject to deductible and coinsurance. $50 maximum per visit Subject to deductible and coinsurance. $50 maximum per visit
Organ Transplants
Bronze Silver Gold Platinum
$250,000 lifetime maximum $250,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum
Prescription Coverage
Bronze Silver Gold Platinum
Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event Subject to deductible and coinsurance. 90-day supply per prescription following related covered event Subject to deductible and coinsurance. 90-day supply per prescription International – 100%.
Inside U.S.
Prescription drug card co-pay: $20 for generic / $40 for brand name where generic is not available. 90-day supply per prescription
Adult Preventative Care (Age 19 or older)
Bronze Silver Gold Platinum
NA NA $250 per period of coverage – not subject to deductible or coinsurance. $500 per period of coverage – not subject to deductible or coinsurance.
Child Preventative Care (Through age 18)
Bronze Silver Gold Platinum
NA $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. Available after 12 months of continuous coverage $200 maximum per period of coverage – not subject to deductible or coinsurance. $400 maximum per period of coverage – not subject to deductible or coinsurance.
Healthy Travel Preventative Coverage
Bronze Silver Gold Platinum
Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance. Up to $250 for vaccinations and preventative prescription drugs within 30 days prior to the Initial Effective Date and before departing to any destination. Not subject to deductible or coinsurance.
Vision
Bronze Silver Gold Platinum
Optional Rider Optional Rider Optional Rider Exams – up to $100 maximum per 24 months.
Materials – up to $150 per 24 months.
Emergency Local Ambulance – (Injury or illness resulting in an inpatient hospital admission)
Bronze Silver Gold Platinum
$1,500 maximum limit per event – not subject to deductible or coinsurance. $1,500 maximum limit per event – not subject to deductible or coinsurance. Subject to deductible and coinsurance Not subject to deductible and coinsurance
Emergency Evacuation
Bronze Silver Gold Platinum
$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
$50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
Up to maximum limit.
Not subject to deductible or coinsurance.
Up to maximum limit.
Not subject to deductible or coinsurance.
Emergency Reunion
Bronze Silver Gold Platinum
$10,000 lifetime maximum. Not subject to deductible or coinsurance NA $10,000 lifetime maximum. Not subject to deductible or coinsurance $10,000 lifetime maximum. Not subject to deductible or coinsurance
Interfacility Ambulance Transfer – (Transfer from one licensed health care Facility to another licensed health care Facility)
Bronze Silver Gold Platinum
$1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only $1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only Not subject to deductible or coinsurance. U.S. only Not subject to deductible or coinsurance. U.S. only
Political Evacuation and Repatriation
Bronze Silver Gold Platinum
NA NA NA Up to $10,000 lifetime maximum
Remote Transportation
Bronze Silver Gold Platinum
NA NA NA $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance
Return of Mortal Remains
Bronze Silver Gold Platinum
$10,000 lifetime maximum – not subject to deductible or coinsurance. $25,000 lifetime maximum – not subject to deductible or coinsurance. $25,000 lifetime maximum – not subject to deductible or coinsurance. $50,000 lifetime maximum – not subject to deductible or coinsurance.
Complementary Medicine
Bronze Silver Gold Platinum
NA NA $500 maximum limit per period of coverage $500 maximum limit per period of coverage
Traumatic Dental Injury – Treatment at a hospital facility
Bronze Silver Gold Platinum
$1,000 per period of coverage $1,000 per period of coverage Up to the lifetime maximum limit Up to the lifetime maximum limit
Treatment Due to Unexpected Pain to Sound, Natural Teeth
Bronze Silver Gold Platinum
NA NA $100 per period of coverage 100%
Non-Emergency Treatment at a Dental Provider due to an Accident
Bronze Silver Gold Platinum
NA NA $500 per period of coverage See Non-Emergency Dental benefit
Non-emergency Dental Treatment
Bronze Silver Gold Platinum
Optional Rider Optional Rider Optional Rider $750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services
Hospital Indemnity – (Outside the U.S. only)
Bronze Silver Gold Platinum
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Supplemental Accident
Bronze Silver Gold Platinum
NA NA $300 of Eligible Medical Expenses following an accident $500 of Eligible Medical Expenses following an accident
Pre-Existing Conditions Limitation**
Bronze Silver Gold Platinum
Excluded $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage. Will be covered same as any other illness as of the effective date if proof of creditable coverage is provided and accepted. NA
Global Medical Insurance – Miscellaneous Information
Preferred Provider PPO Network Search for doctors/hospitals within the IMG Insurance Provider PPO Network.
Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network.
Access care at any doctor or hospital, even outside the PPO network.
Exclusions & Limitations Exclusions apply, see Exclusions & Limitations section in plan brochure for details
Pre-certification Requirements 50% reduction of Eligible Medical Expenses if Pre-certification provisions are not met.
See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits.
Claims & Reimbursement Download and print the IMG Claims Form to submit proof of claims for review & reimbursement.
Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator.
The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred.
Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense.
Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered.
Cancellation & Refund If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable.

If no claims have been filed with the Company,
1. A cancellation fee of US$50.00 will be charged; and
2. Only whole or full month premiums will be considered as refundable.
Note: A written (email) request is required.
Client Dashboard Easy access to the IMG Client Dashboard from anywhere in the world to manage your account.
Worldwide Assistance Access quality service from International Medical Group 24/7 and 365 days of the year.
Plan Administrator International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA.
Insurance Underwriter GlobalMedical plan is underwritten by Sirius International Insurance Corporation.
Ratings of Insurance Underwriter Sirius is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.
Application Form Print and complete paper application, mail/fax the Global Medical Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.
Quote & Buy Online Global Medical Insurance Quote

Disclaimer:
** – If applicants can verify their prior comprehensive health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any comprehensive health plan established or maintained by a State or the U.S. government).

* – This Web page contains only a consolidated and summary description of all current 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. The plan administrator IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.

The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.

Global Medical Insurance FAQs

Below are some of the questions frequently asked with the GMI plan:

For an expatriate, how can IMG Global Medical plan help?
What are the IMG Global Medical Insurance plan highlights?
What are the salient features of the IMG Global Medical plan?
How do I pay for the IMG Global Medical plan purchase?
Can I renew or extend the Global Medical Insurance for another year?