Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • Eligibility: Non-US citizens age 31 days to 64years residing outside their primary Country of Residence
  • Coverage length: Minimum 1 month to maximum 48 months for non-US citizens.
  • Provider Network: United health care provider network
  • Renew Online: Coverage may be renewed (without break in coverage) for a total of up to 48 months.
  • Pre-existing condition: Period of Coverage Limit (after 12 months): $500; Maximum Limit: $1,500
  • ID card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age:31days to 64 yrs: $5,000,000

Doctor Visit

Upto 90% after deductible is met

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

Hospital Room and Board

Upto 90% after deductible is met

Ambulance

Upto policy maximum

Complete details are given in the certificate of insurance.

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  • Charges or Treatment for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and follows a Surgery which was covered under this insurance
  • Charges incurred for any Treatment or supply that either promotes, enhances or corrects or attempts to promote, enhance or correct impotency or sexual dysfunction
  • war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war
  • Telehealth or Telemedicine services not considered Medically Necessary as determined by the Company under the plan
  • Charges for modification of the physical body in order to change or improve or attempt to change or improve the physical appearance or psychological, mental or emotional well-being of the Insured Person (such as but not limited to sex-change Surgery or Surgery relating to sexual performance or enhancement thereof)

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Complete details are given in the certificate of insurance.

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No coverage is avialble

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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

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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

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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.

 

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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.

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