Top
phone1-317-318-8259 (English), phone1-317-318-8258 (中文)

IMG Global Medical Insurance - Platinum Plan

International Medical Group (IMG) Global Medical Insurance Platinum plan is our Best Coverage Global Medical Insurance Plan.

Global Medical insurance is long term medical insurance for people living outside of their country of citizenship. It is designed for non-US citizens to use worldwide, and for US citizens and permanent residents who spend more than six months of the year outside the United States to use worldwide.

The IMG Global Medical Platinum plan provides the best coverage for inpatient medical expenses and outpatient medical expenses including maternity costs.

Individual Get Quote/Buy
Summary of Benefits
Insurance Provider International Medical Group
Plan Type Global Medical insurance is long term medical insurance for people living outside of their home country.
For all Non-US citizens, and for US citizens and permanent residents who spend more than six months of the year outside the United States.
You select the area of coverage and deductible level to meet your needs.
Maximum Benefit $8,000,000 per individual
Deductible (Insured pays before insurance pays) $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000
Family Deductible 2 times the individual
Coinsurance in US In-PPO (UnitedHealthcare PPO): Subject to deductible. No coinsurance
Non-PPO: You pay 20% of next $5000 expenses after deductible
Coinsurance with Concierge Deductible 50% waived (up to $2500). No coinsurance.
Coinsurance outside US Deductible 50% waived (up to $2500). No coinsurance.
Maternity Coinsurance Maternity is covered same as any illness for any maternity related claim with a service date that occurs after 10 months of coverage - $2,500 additional deductible, $50,000 lifetime max. $200 child wellness for the first 12 months. new born care & congenital disorders max of $250,000 for the first 31 days. Maternity related claims with dates of service before 10 months are not covered.
IMG sometimes excludes maternity coverage for dates of conception before 24 months.
Hospital Room & Board Private room rate
Intensive Care URC(Usual Reasonable and Customary)
Surgery Care URC
Doctor Visit URC
Xray and Lab URC
Mental Health and Substance Abuse $50,000 max, after 12 month of coverage
Ambulance URC
Emergency Room URC for injury or illness resulting in hospital admission. Additional $250 deductible for illness without hospital admission in US
Prescription Drugs Outside the US - 100%
Inside the US - Prescription drug card co-pay:
$20 for generic
$40 for brand name where generic is not available.
90-day supply per prescription
Vision Exams-up to $100. Materials-up to $150 per 24 months
Dental $750/year
Accident Dental URC
Child Wellness $400/period, not subject to deductible or coinsurance.
Adult Wellness $500/period, not subject to deductible or coinsurance. Available for those at least 19 years old.
Healthy Travel Preventive $250 Benefit for vaccines prior to departing home country and up to 30 days prior to plan effective date.
Hospital Indemnity Outside of US only. Private Hospital: $400 per night/$4,000 max, Public Hospital: $500 per night/$5,000 max
Medical Evacuation Up to the maximum benefit, not subject to deductible or coinsurance.
Repatriation of remains $50,000 per insured, not subject to deductible or coinsurance
Pre-existing conditions (Illness or Injury) May be covered same as any illness or excluded at time of underwriting
More Information Optional riders: Global Term Life Insurance, Terrorism, Sports, Dental, Vision
Rates illustrated below are for annual premium, rates are higher for monthly payment
Freedom to seek treatment with hospital or doctor of your choice
To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays
Platinum is best for those wanting the best coverage or considering having a baby.
Benefit Details Benefit Details
Sample Rates
$1000 Deductible, Worldwide Coverage
AgeMonthly Premium
Male
Monthly Premium
Female
Dependent Child - see notes below
14 days - 9 years$137$137
10 - 18 years$142$142
Adult
19-24$217$320
25-29$223$394
30-34$244$446
35-39$257$496
40-44$316$542
45-49$387$432
50-54$875$935
55-59$1162$1153
60-64$1383$1295

Dependent child/children rates are only available when one or two parents are covered. The rates are per child. Children alone (14 days to 18 years old) use the single female 19 year old rate.
Premium rates are lower if you select coverage excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
Full Brochure Brochure

Individual Get Quote/Buy


Get Quote 6 Months Pre-Existing Group Quote 6 Months Pre-Existing