Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International
Complete details are given in certificate of insurance.
| Doctor Visit | Up to policy max (deductible & co-insuance apply) |
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Urgent Care |
Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible Up to policy max. Co-pay apply |
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Hospital Room and Board |
Up to policy max (deductible & co-insuance apply). Average semi-private room rate. Includes nursing services, miscellaneous and Ancillary services |
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Hospital Room and Board |
Average semi-private room rate up to the maximum limit. Includes nursing service |
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Ambulance |
Up to policy max (deductible & co-insuance apply) |
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Prescription Drugs and Medication |
Up to policy max. Or $250,000 whichever is less. Dispensing maximum 90 days/prescription for Retail Pharmacy. |
Complete details are given in certificate of insurance.
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Acute Onset of Pre-existing Conditions • Insured Person must be under 70 years of age • Refer to the ACUTE ONSET OF PRE-EXISTING CONDITIONS provision for further details and requirements |
United States citizens: • Age 64 and under without a Primary Health Plan: • Maximum Limit: $20,000 • Age 64 and under with a Primary Health Plan: • Maximum Limit: $1,000,000 • Age 65 through age 69: • Maximum Limit: $2,500
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Emergency Medical Evacuation • Arises or results directly from a covered Acute Onset of a Pre-existing Condition • Insured Person must be under 70 years of age
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Maximum Limit: $25,000 |
Click on below link to check providers of PPO Network
PPO Providers Link: https://ipa.imglobal.com/
Complete details are given in certificate of insurance
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
The following conditions apply for Premium refund:
(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 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.
Proof of 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 at www.imglobal.com/member or obtained by contacting the Company.