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

  • Eligibility: Non-US citizens traveling to United States, Canada & Mexico.
  • Coverage Length: 90 days up to 12 months
  • Pre-existing conditions: Under Age 70: Up to $25,000 & Age (70 and older): $20,000
  • Coinsurance (In-Network): Plan pays 75% Insured pays 25%
  • PPO Network: United Healthcare PPO Network
  • ID card & Visa Letter link comes in email instantly.

Complete details are given in certificate of insurance.

Note: This plan must be purchased prior to departing the Country of Residence, including any future repurchases

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Age and Policy Maximum

Age 69: $50,000, $100,000 or $250,000 Ages 70 and older: $50,000

Doctor Visit

Covered 75% after decutible is met

Urgent Care

Not subject to Deductible and Coinsurance In-Network Copayment: $25 Out-of-Network Copayment: $50
Covered 100% after deductible is met

Hospital Room and Board

Average semi-private room rate Includes nursing services (It will cover 75% after deductible)

Ambulance

Subject to Deductible and Coinsurance Injury Illness resulting in an Inpatient Hospital admission

(It will cover 75% after deductible)

Prescription

It will cover 75% after deductible

Complete details are given in the certificate of insurance.

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  • Charges or Treatment for cosmetic or aesthetic reasons, except for reconstructive Surgery when such Surgery is Medically Necessary and is directly related to and follows a Surgery which was covered under this insurance
  • Charges incurred for any Treatment or supply that either promotes, enhances or corrects or attempts to promote, enhance or correct impotency or sexual dysfunction
  • war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war
  • Telehealth or Telemedicine services not considered Medically Necessary as determined by the Company under the plan
  • Charges for modification of the physical body in order to change or improve or attempt to change or improve the physical appearance or psychological, mental or emotional well-being of the Insured Person (such as but not limited to sex-change Surgery or Surgery relating to sexual performance or enhancement thereof)

Complete details are given in the certificate of insurance.

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

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

Complete details are given in certificate of insurance

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All claims and related claim information should be filed with the Company through the Plan Administrator at the contact information below, or online at www.imglobal.com/member as soon as possible:
International Medical Group
Attn: Claims Department
PO Box 9162
Farmington Hills, MI 48333-9162
USA

 

 
 



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The Insured Person shall have three (3) days from the Initial Effective Date of 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  email,  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 Insured person may  request  cancellation  by  sending  a  written  request  to  the  Company  by  email,  mail  or  fax. However, 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:

  1. a cancellation fee of fifty dollars ($50.00 USD) will be charged
  2. only Premium covering time periods after cancellation are refundable
  3. refunds  will  be  calculated  based  on  the  number  of  days  remaining  inus  the  ninety  day minimum purchase

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All claims and related claim information should be filed with the Company through the Plan Administrator at the contact information below, or online at www.imglobal.com/member as soon as possible:
International Medical Group
Attn: Claims Department
PO Box 9162
Farmington Hills, MI 48333-9162
USA

 

 
 



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Renew

Coverage under this Certificate is not renewable or extendable

Complete details are given in certificate of insurance

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