The following is a summary schedule of benefits for eligible medical expenses. Benefits are subject to maximums, deductible and coinsurance unless otherwise noted. NA (Not Applicable).
For citizens or residents of the Bahamas click here.
| Summary of Benefits | Subject to deductible and coinsurance unless otherwise noted |
| Lifetime Maximum Limit | |
| Deductible (Per Period of Coverage) | |
| Treatment Outside the U.S. | |
| Treatment inside the U.S. using Medical Concierge | |
| Treatment inside the U.S. - PPO Network | |
| Treatment inside the U.S. - Non-PPO Network | |
| Coinsurance | |
| Outpatient | |
| Mental/Nervous | |
| Hospital Emergency Room Injury | |
| Hospital Emergency Room Illness | |
| Hospitalization / Room & Board | |
| Intensive Care Unit | |
| CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy | |
| Surgery | |
| Assistant Surgeon | |
| Chemotherapy or Radiation Therapy | |
|
Maternity Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage) | |
| Podiatry Care | |
| Physical Therapy | |
| Transplants | |
| Prescription Coverage | |
| Expatriate Prescription Services Program | |
| Orphan or Biologic Drugs(Available when all conditions are met) | |
| Adult Preventative Care (Age 19 or older) | |
| Child Preventative Care (Through age 18) | |
| Healthy Travel Preventative Coverage | |
| Vision | |
| Emergency Local Ambulance - (Injury or illness resulting in an inpatient hospital admission) | |
| Emergency Evacuation | |
| Emergency Reunion | |
| Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility) | |
| Political Evacuation and Repatriation | |
| Remote Transportation | |
| Return of Mortal Remains | |
| Complementary Medicine | |
| Traumatic Dental Injury Treatment at a hospital facility | |
| Treatment Due to Unexpected Pain to Sound, Natural Teeth | |
| Non-Emergency Treatment at a Dental Provider due to an Accident | |
| Non-emergency Dental | |
| Hospital Indemnity (Outside the U.S. only) | |
| Supplemental Accident | |
| Pre-Existing Conditions Limitation** | |
| Amateur Saliboat Racing | |
| Crew Member Return | |
**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).
Global Medical Insurance Schedule of Benefits (For citizens or residents of the Bahamas)The following is a summary schedule of benefits for eligible medical expenses. Benefits are subject to maximums, deductible and coinsurance unless otherwise noted. NA (Not Applicable).
| Summary of Benefits | Subject to deductible and coinsurance unless otherwise noted |
| Lifetime Maximum Limit | |
| Deductible (Per Period of Coverage) | |
| Deductible Carry Forward | |
| Treatment Outside the U.S. | |
| Treatment inside the U.S. using Medical Concierge | |
| Treatment inside the U.S. - PPO Network | |
| Treatment inside the U.S. - Non-PPO Network | |
| Coinsurance | |
| Outpatient | |
| Mental/Nervous | |
| Hospital Emergency Room Injury | |
| Hospital Emergency Room Illness | |
| Hospitalization / Room & Board | |
| Intensive Care Unit | |
| CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy | |
| Surgery | |
| Assistant Surgeon | |
| Chemotherapy or Radiation Therapy | |
|
Maternity Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage) | |
| Podiatry Care | |
| Physical Therapy | |
| Transplants | |
| Prescription Coverage | |
| Adult Preventative Care (Age 19 or older) | |
| Child Preventative Care (Through age 18) | |
| Vision | |
| Local Ambulance due to Injury or Illness resulting in Hospitalization | |
| Emergency Evacuation | |
| Emergency Reunion | |
| Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility) | |
| Political Evacuation and Repatriation | |
| Remote Transportation | |
| Return of Mortal Remains | |
| Complementary Medicine | |
| Traumatic Dental Injury Treatment at a hospital facility | |
| Treatment Due to Unexpected Pain to Sound, Natural Teeth | |
| Non-Emergency Treatment at a Dental Provider due to an Accident | |
| Non-emergency Dental | |
| Hospital Indemnity (Outside the U.S. only) | |
| Supplemental Accident | |
| Pre-Existing Conditions Limitation | |
| Amateur Saliboat Racing | |
| Crew Member Return | |
* 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. 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.