Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • In PPO network (In USA ): 10% of eligible expenses up to $5000 then 0%.
  • Out of PPO network(In USA): 20% of eligible expenses up to $5000 then 0%.
  • Eligibility: US Citizen traveling outside USA with coverage for brief returns t USA.
  • Coverage Length: Min 5 days to maximum 365 days.
  • Renew: You will have an option to online renew and paper renewal form.
  • ID card & Visa Letter comes in email instantly.

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  • Doctor Visit: Up to policy max.
  • Urgent care: Up to policy max.
  • Hospital room and board: Up to policy max.
  • Emergency room: Up to policy max. Additional $250 deducted if not admitted
  • Ambulance: Up to policy max
  • Medicine: Up to policy max
  • Surgery: Up to policy max

Complete details are given in certificate of insurance.

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  • Pre-existing conditions, except acute onset of pre-existing condition.
  • Pregnancy except as covered under Complications of Pregnancy after 26th week of pregnancy.
  • Routine physical exam.
  • Preventive care services such as flu shots.
  • Charges resulting from violation of law
  • Eye surgery, such as corrective refractory surgery.
  • Eyeglasses, contact lenses, hearing aids.

Complete details are given in certificate of insurance.

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Acute Pre-Ex Coverage

For Insured Persons up to the age 65 who have a primary Health Plan : Up to policy maximum

For insured person up to age 65 without a primary health plan: Up to  $20,000 Lifetime Maximum.

For Insured person age 65 and above : Up to $2500 Lifetime Maximum.

Pre-existing Condition means a sudden and unexpected outbreak or recurrence of  a pre-existing condition(s) which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the certificate effective date. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

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You may seek treatment with the hospital or the doctor of your choice. Preferred Provider Organization (PPO) contracted by IMG, a seperately organized network of approximately 475,000 physicians and 4,500 privately owned and operated hospitals.

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You may extend policy online before expiration date of policy. You may extend minimum of
5 days. Insurance company charge $5 extension fee for each renewal. Total coverage duration
cannot be more than 2years.

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Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

  • A $50 cancellation fee will apply for administrative costs incurred by us; and
  • Only the unused portion of the plan cost will be refunded; and
  • You cannot have filed any claims to be eligible for premium refund.

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An insured person will have 90 days from the date of claim is incurred to submit a complete proof of claim.

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