Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International
| Age(0-79) Plan A $25,000 | Age(80-99) Plan A $10,000 | Age(0-79) Plan B $50,000 | Age(0-79) Plan C $100,000 | |
| Doctor Visit | Up to $40 per visit, 30 visits per period of coverage | Up to $40 per visit, 30 visits per period of coverage | Up to $60 per visit, 30 visits per period of coverage | Up to $85 per visit, 30 visits per period of coverage |
| Hospital Room Board | Up to $825 per day, 30 day maximum per period of coverage | Up to $825 per day, 30 day maximum per period of coverage | Up to $1,400 per day, 30 day maximum per period of coverage | Up to $2,000 per day, 30 day maximum per period of coverage |
| Ambulance | Up to $250 per period of coverage | Up to $250 per period of coverage | Up to $450 per period of coverage | Up to $475 per period of coverage |
| Prescription | $250 | $250 | $250 | $250 |
| X-Ray & Lab | Up to $400 per Period of Coverage ($200 per procedure) | Up to $400 per Period of Coverage ($200 per procedure) | Up to $450 per Period of Coverage ($200 per procedure) | Up to $500 per Period of Coverage ($200 per procedure) |
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
Acute Onset of pre existing Condition for
PLAN A : $25000 max per coverage period (Subject to sub-limits below)
PLAN B:$50000 max per coverage period (Subject to sub-limits below)
PLAN C:$100,000 max per coverage period (Subject to sub-limits below)
Acute Onset of 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.
If your Visitors Care plan is purchased for a minimum of five days, coverage may be renewed (unless there is a break in coverage) for a total of up to two years. Renewals are available in whole month or daily increments and may be completed online. For each renewal you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12-month coverage period.
If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium. In order to be considered for a full refund, your request for cancellation must be received by IMG prior to your effective date. If you do not have any claims filed with IMG, you may cancel your plan after your effective date, however, the following conditions will apply: 1) you will be required to pay a $25 cancellation fee and 2) your refund will be pro-rated based on the amount of time remaining in your period of coverage. If you have filed claims, your premium is non-refundable.
Each proposed hospital admission, inpatient or outpatient 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 medically necessity, not an assurance of coverage, a verification of benefits, or a guarantee of payment. All medical expenses must meet usual, reasonable, and customary eligible guidelines. Please refer to the Certificate Wording for full details of the Precertification requirements.