Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International
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Age and Policy Maximum |
Through age 64: $2,000,000, $5,000,000 or $8,000,000 Ages 65 to 69: $1,000,000 Ages 70 to 79: $100,000 Ages 80 and older: $20,000 |
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Doctor Visit |
Up to policy max subject to deductible & co-insurance. |
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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. |
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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. |
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Ambulance |
Up to policy max subject to deductible & co-insurance. |
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
Acute Pre-Ex Coverage
Acute Onset of Pre-existing Condition: Age 69 and under: Maximum limit :$1,000,000.
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.
PPO Providers are contracted separately through United States Preferred Provider Organization.
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 thirty-six (36) 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.
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 the premium. You will be required to pay a $50 cancellation fee and a full month premiums will be considered for refunds. If you filled a claim, your premium is non-refundable.
If no claims have been filed with the Company:
(i) a cancellation fee of fifty dollars ($50.00 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) only Premium covering time periods after the requested cancellation date are refundable.
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 at www.imglobal.com/member or obtained by contacting the Compan