Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International
Complete details are given in certificate of insurance.
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Age (0-79) Plan Lite $25,000 |
Age (80-99) Plan Lite $10,000 |
Age (0-79) Plan Plus $50,000 |
Age (0-79) Plan Platinum $100,000 |
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Doctor Visit |
Inpatient: $40/visit 30 visits max. Outpatient: $50/visit, 10 visits max. |
Inpatient: $40/visit 30 visits max. Outpatient:$50/visit,10 visits max |
Inpatient: $60/visit 30 visits max. Outpatient: $60/visit, 10 visits max. |
Inpatient: $85/visit 30 visits max. Outpatient: $85/visit, 10 visits max. |
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Hospital Room and Board |
Inpatient: $825/day 30 days max. |
Inpatient: $825/day 30 days max. |
Inpatient: $1,400/day 30 days max |
Inpatient: $2,000/day 30 days max. |
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Ambulance |
$250 max. |
$250 max. |
$450 max. |
$475 max. |
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Prescription |
$250, 90 day max. |
$250, 90 day max. |
$250, 90 day max |
$250, 90 day max. |
|
X-Ray & Lab |
$400 max. ($200 per procedure) |
$400 max. ($200 per procedure) |
$450 max. ($250 per procedure) |
$500 max. ($500 per procedure) |
Complete details are given in certificate of insurance.
Insured under age 70 years.
Plan Lite: $25,000 max limit.
Plan Plus: $50,000 max limit.
Plan Platinum: $100,000 max limit.
Acute Onset of Pre-existing Condition: A sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs or Treatment.
Insured Person can request coverage under the plan to be renewed for extended periods of coverage from five (5) days to twelve (12) months up to a maximum total of twenty-four (24) continuous months. Renewability is subject to the Insured Person’s continued eligibility for the plan. Any one (1) Period of Coverage may not exceed twelve (12) months.
Insured Person shall have three (3) days from the Initial Effective Date, as defined herein, (the “Review Period”) to review. Insured person may request cancellation via the MyIMG customer portal or 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 twenty-five dollars ($25.00 USD) will be charged, regardless of the reason for cancellation; and (ii) any refund amount that is less than the cancellation fee is non-refundable; and (iii) Premium refunds will be pro-rated.
All claims and related claim information should be filed with the Company through the Plan Administrator via the MyIMG customer portal at www.imglobal.com/member within the timely filing requirements