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

  • In PPO network (In USA & Canada): For Treatment received outside the United States and Canada: 0%.
    For Treatment received within the United States and Canada: If in the PPO Network, 10% of Eligible Medical Expenses until reaching $5,000, then 0%. If outside the PPO Network 20% of Eligible Medical Expenses until reaching $5,000, then 0%.
  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage length: Minimum 5 days to maximum of 2 years
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Min 5 days renewal.
  • Acute onset of Pre-x coverage (Up to age 70): Coverage up to lifetime policy maximum for eligible medical expenses
  • ID card & Visa Letter comes in email instantly. 

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  • Doctor Visit: Up to policy max.
  • Urgent care: Up to policy max.
  • Hospital room and board: Up to the average semi-private room rate, including nursing service.
  • Emergency room: Up to policy max.
  • X-rays & Lab Services: Up to policy max.
  • Medicine: Up to policy max.
  • Ambulance: Up to policy max
  • Loss of Checked Baggage : $250, not to exceed $50/item.

Complete details are given in certificate of insurance.

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  1. Pre-existing conditions, except acute onset of pre-existing condition.
  2. Routine physical exam.
  3. Preventive care services such as flu shots.
  4. Pregnancy except as covered under Complications of Pregnancy after 26th week of pregnancy.
  5. Charges resulting from violation of law.
  6. Eye surgery, such as corrective refractory surgery.
  7. Eyeglasses, contact lenses, hearing aids.
  8. Services provided by a chiropractor.

Complete details are given in certificate of insurance.

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(excludes chronic and congenital conditions) (only available to members under age 70) – Up to policy maximum. $25,000 lifetime maximum for Emergency Medical Evacuation. 

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. A pre-existing condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute Onset. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date.

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You may seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you have access to the Preferred Provider Organizations (PPO), which are separately organized networks of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. 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.

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You may extend policy online before expiration date of policy. You may extend minimum of 5 days. Insurance company charge $5 extension fee for each renewal. Total coverage duration cannot be more than 2years.

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Cancel

Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

a) A $50 cancellation fee will apply for administrative costs incurred by us; and

b) Only the unused portion of the plan cost will be refunded; and

c) You cannot have filed any claims to be eligible for premium refund.

Only full month premiums will be considered as refundable

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When the Company receives notice of a claim for benefits under this insurance from or on behalf of an Insured Person it will provide the Insured Person with Claimant’s Statement and Authorization Forms (“Claim Forms”) for filing Proof of Claim. The following items must be submitted by or on behalf of the Insured Person to be considered a complete Proof of Claim eligible for consideration of coverage under this insurance (“Proof of Claim”):

(a) A duly completed, timely submitted, and signed Claim Form and authorization for release of information; and

(b) All original itemized bills and statements of services rendered from all Physicians, Hospitals and other healthcare or medical service providers involved with respect to the claim; and

(c) All original receipts for any costs, fees or expenses that have been incurred or paid by or on behalf of the Insured Person with respect to the claim, including without limitation all original receipts for any cash and/or credit card payments.

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