Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
No coverage is avialble
You may also seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you have access to the independent Preferred Provider Organization (PPO), a separately organized network of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. contracted by IMG. You can quickly search the network through MyIMG. Additionally, to help you locate health care providers outside the U.S., IMG provides its online International Provider AccessSM (IPA), a database of over 17,000 providers.
If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to 48 months. Renewals may be completed online or by using a paper application.
The Insured Person may request cancellation and refund of a premium for this insurance by giving the company written notice prior to the Effective Date of coverage under this certificate. 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,
(c) a cancellation fee of US$50.00 will be charged; and (ii) only full month premiums will be considered as refundable.
Each proposed hospital admission, in-patient or out-patient 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 medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. All medical expenses must meet usual, reasonable, customary, and eligible payment guidelines. Please refer to the Certificate Wording for full details of the Precertification requirements. For Precertification, emergency evacuation and repatriation, please call: IMG in the U.S.: 1 (800) 628-4664 (toll free) or 1 (317) 655-4500. Call IMG outside the U.S.: 001 (317) 655-4500 (collect if necessary). This information will also be provided on your ID card.