Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation
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Age and Policy Maximum |
Age:31days to 64 yrs: $5,000,000 |
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Doctor Visit |
Upto 90% after deductible is met |
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Urgent Care |
Upto 90% after deductible is met Not subject to Deductible and Coinsurance In-Network Copayment: $25 Copayment is not applicable if the Declaration states a $0 Deductible |
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Hospital Room and Board |
Upto 90% after deductible is met |
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Ambulance |
Upto policy maximum |
Complete details are given in the certificate of insurance.
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Complete details are given in the certificate of insurance.
No coverage is avialble
PPO Providers are contracted separately through United States Preferred Provider Organization.
Login To MyIMG - International Medical Group (imglobal.com)
Complete details are given in certificate of insurance
Insurance plan to be renewed a minimum of five (5) days until reaching a maximum of forty-eight (48) continuous months so long as renewal Premium is paid when due and the Insured Person otherwise continues to meet the applicable eligibility requirements of the plan.
Complete details are given in certificate of insurance
The Insured Person shall have three (3) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the Insured person may request cancellation by sending a written request to the Company by email, mail or fax. However, the following conditions apply for Premium refund:
(a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
(b) If no claims have been filed with the Company:
(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged; and
(ii) only Premium covering time periods after cancellation are refundable; and
(iii) only full month Premiums are refundable.
Each proposed hospital admission, in-patient or out-patient surgery, and other procedures as noted in the Certificate Wording must be Precertified for medical necessity, which means the insured person or their attending physician must call the number listed on the IMG Identification Card prior to admittance to a hospital or performance of a surgery. In case of an Emergency Admission, the Precertification call must be made within 48 hours of the admission, or as soon as reasonably possible. If a hospital admission or a surgery is not Precertified, eligible claims and expenses will be reduced by 50%. It is important to note that Precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. All medical expenses must meet usual, reasonable, customary, and eligible payment guidelines. Please refer to the Certificate Wording for full details of the Precertification requirements. For Precertification, emergency evacuation and repatriation, please call: IMG in the U.S.: 1 (800) 628-4664 (toll free) or 1 (317) 655-4500. Call IMG outside the U.S.: 001 (317) 655-4500 (collect if necessary). This information will also be provided on your ID card.