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

  • Eligibility: Person Age 14 days to 74 years  from Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan.
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew: You have the option to renew online or you may complete a paper renewal form.
  • Acute onset of Pre-x coverage: Same as any illness for Platinum plan and Silver to Gold Plus $50,000 lifetime maximum; $5,000 per period of coverage after 24 months and excluded in Bronze.
  • ID card & Visa Letter comes in email instantly.

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  • Charges incurred for failure to keep a scheduled appointment
  • Charges incurred for Custodial Care
  • Charges relating directly or indirectly to medical conditions existing at the time of

Application, whether known or unknown at the time of Application and whether or not disclosed on the Application, are excluded from coverage under this insurance.

  • Charges or Treatment for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and/or follows a Surgery which was covered under this insurance.
  • any Illness or Injury sustained while taking part in Collision Sports.

Complete details are given in certificate of insurance.

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Age and Policy Maximum

Age(0-74)- $5,000,000

Doctor Visit

$70 maximum limit,25visit limit-Specialist/physician charges

Ambulance Benefit

$1500 maximum limit per event.Not subject to deductible or coinsurance.

Hospital Room and Board

Subject to deductible and coinsurance for average semi private room rate.
All subject to $600 per day /240 day maximum

Emergency Room

Hospital Emergency Room-Inquiry :-Subject to deductible and coinsurance
Hospital Emergency Room-Illness:-Additional $250 deductible if not admitted as inpatient


Subject to deductible and coinsurance.90 day supply per prescription following related covered event.

Complete details are given in certificate of insurance.

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Acute Pre-Ex Coverage

No Coverage.

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Renewal of Coverage

Subject to the terms of the plan, Global Medical Insurance is annually renewable and coverage is continuous when approved. Prior to the end of each period of coverage (12 months) you will receive renewal information. You must continue to meet the eligibility requirements outlined in the contract in order to apply to renew. You have the option to renew online or you may complete a paper renewal form. There are no additional medical questions at renewal, and we can work with you to provide flexible renewal options. Please select your deductible and plan option carefully, as you will be unable to select a lower deductible or increase your plan option when you renew your coverage.

Online Form

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To ensure your satisfaction, once you are accepted in the plan, we provide a 15-day free look period to review the coverage. If during that 15-day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and full refund of your premium received by IMG. See the Certificate Wording for full details.

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Log on to the secure, 24-hour online portal, MyIMGSM, to submit and view your claims, manage your account, search for providers, Live Chat with representatives and more.

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