Global Medical Insurance®
Global Medical Insurance®

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)
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
Hospital Emergency Room Injury
Hospital Emergency Room Illness
Hospitalization / Room & Board
Intensive Care Unit
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy
Assistant Surgeon
Chemotherapy or Radiation Therapy
Delivery, wellness, new born care & congenital disorders, Family Matters Maternity Program (available after 10 months of coverage)
Podiatry Care
Physical Therapy
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
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**

**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. 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.