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

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: No Coverage
  • Coinsurance:  In Network USA: After deductible, plan pays 100 % up to policy maximum.
    Out-of-Network USA: After the deductible, plan pays 80%.
  • PPO Network: Provides United Healthcare PPO Network
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

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Complete details are given in certificate of insurance.

Age and Policy Maximum

Through age 69: $50,000, $100,000, $500,000 or $1,000,000

Ages 70 to 79: $50,000

Ages 80 and older: $10,000

Doctor Visit

Up to policy max subject to deductible & co-insurance.

Urgent Care

$25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible

Up to policy max subject to co-pay.

Hospital Room and Board

Injury not subject to emergency room deductible,

Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission.

Up to policy max subject to deductible & co-insurance.

Ambulance

Up to policy max subject to deductible & co-insurance.

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  • Pre-Existing conditions - Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance.
  • Elective Surgery or Treatment of any kind
  • MATERNITY AND NEWBORN CARE: Charges for prenatal care, delivery, postnatal care, and care of Newborns, including complications of Pregnancy, miscarriage, complications of delivery and/or of Newborns are excluded from this insurance
  • MENTAL OR NERVOUS DISORDERS: Charges for Treatment of Mental or Nervous Disorders are excluded from coverage under this insurance.
  • PREVENTATIVE CARE: Charges for Routine Physical Examinations and immunizations are excluded from coverage under this insurance.

Complete details are given in certificate of insurance.

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PPO Providers are contracted separately through United States Preferred Provider Organization.

https://providerlocator.firsthealth.com/LocateProvider/SelectNetworkType

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Subject to the Terms of the TERMINATION OF MASTER POLICY and TERMINATION OF COVERAGE FOR INSURED PERSONS subparagraphs of the CONDITIONS AND GENERAL PROVISIONS, an Insured Person can request coverage under this insurance plan to be extended a minimum of five (5) days for up to a three hundred sixty-five (365) day period until reaching a maximum of twenty-four (24) continuous months in accordance with and subject to the Terms of the plan then in effect (including the Terms of the then applicable Master Policy) and so long as extension 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 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 following conditions apply if the Insured Person wishes to cancel the insurance: (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 US$50.00 will be charged; and (ii). Only Premium covering time periods after cancellation are refundable.

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Claim

When the Insured Person receives Treatment or the Company receives notice of a claim for benefits under this insurance, the Insured Person shall submit an International Medical Group (IMG) Claim Form as a necessary component of the Proof of Claim. An IMG Claim Form may be completed online via the MyIMG customer portal atwww.imglobal.com/member or obtained by contacting the Company.

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