Global Medical Insurance

Plan Detail

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



Global Medical Insurance is available to individuals and families of all nationalities. U.S. citizens must plan to be residing outside U.S. on or before their effective date and renewal dates, and for at least six (6) out of the next 12 months. Additional eligibility restrictions apply to non-U.S. citizens residing in the U.S. Persons from the ages of 14 days to 74 years old may apply for coverage, and coverage ends at age 75. Persons 75 years of age and older are not eligible for coverage. Please see a sample contract for further details.

For families, when both parents are covered under Global Medical Insurance, two eligible dependent children from the ages of 14 days to 9 years are covered at no additional premium cost for the first year of coverage. On the first renewal date, premium will be 50% of the future published rate. Each person requesting coverage must complete the information required in the application.

Worldwide Coverage. World-Class Services.

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With Global Medical Insurance, a revolutionary program from International Medical Group® (IMG®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

Global Medical Insurance allows you to choose from several plan options, customize your length and area of coverage and select from multiple deductibles and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies.

With IMG, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. As part of that commitment, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. We also offer a cash incentive and to waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S.

You need the proper worldwide coverage, provided by a company that’s there for you when you need us most. When you select Global Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance and service — all designed to give you Global Peace of Mind®.

Why IMG?

For more than 25 years, IMG has provided global benefits and assistance services to millions of members in almost every country. We’re committed to being there with our members wherever they may be in the world, helping to deliver Global Peace of Mind. With 24/7 medical management services, multilingual claims administrators and highly trained customer service professionals, IMG is confident in its ability to provide the products international members need, backed by the services they want.

Global Family of Companies. Through our global family of companies, IMG can provide medical management services, trip cancellation programs, stop loss insurance, and 24/7 emergency medical and travel assistance.

Service Without Obstacles. With a team of international, multilingual specialists, we are accustomed to working in multiple time zones, languages and currencies. Our global reach means we can work without barriers.

International Provider AccessSM (IPA). In addition to our expansive PPO network available for treatment received within the U.S., our proprietary IPA network of more than 17,000 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and upfront expense at select providers.

Financial Stability. Our globally recognized underwriters, A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd’s, offer the financial security and reputation demanded by international consumers.

Accessible Technology. 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.

International Emergency Care. When you’re away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24- hour access to highly qualified coordinators of emergency medical services and international treatment.

Why Global Medical Insurance?

  • Five plan options - Bronze, Silver, Gold, Gold Plus and Platinum - and additional, optional coverages
  • Choice of coverage area - Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore and Taiwan - to reflect your geographic area of need
  • Flexible underwriting that fits your needs
  • Emergency benefits backed by the services of an accredited, on-site clinical staff
  • Premium modes - Monthly, Quarterly, Semi-Annual, and Annual - to schedule the frequency of payment that meets your needs. Get the most affordable rate when you select annual payment.
  • Multiple deductible options - $100 (Platinum plan option), $250, $500, $1,000, $2,500, $5,000 , $10,000, $25,000 (Gold, Gold Plus, and Platinum plan options) - to accommodate your financial resources.
  • Freedom to choose your own health care provider, no matter where you are in the world

Medical Concierge

Whether you are seeking care at a local facility or in an unfamiliar location, quality of care is a primary concern. IMG’s Medical Concierge program is designed to provide you with critical information and to assist you in making the right decision for treatment. Your personal Medical Concierge will review your specific non-emergency medical condition and provide you with information on provider ratings, past outcomes and general costs — all in the area where you are planning treatment.

You will be entitled to receive a reduction in your deductible for utilizing this unique medical service while in the United States. This level of individualized service is unmatched in the international arena.


MyIMG is a proprietary online service located at that allows you to manage your IMG accounts, 24 hours a day, seven days a week, from anywhere in the world. Some features include:

  • Submission and management of claims
  • Access to Explanations of Benefits (EOBs)
  • Initiate precertification
  • Access Customer Care via Live Chat, email or telephone
  • Locate and recommend a provider/facility
  • Obtain ID cards and other insurance documents


Teladoc provides access to a national network of board-certified doctors and pediatricians in the U.S. who are available 24 hours a day, seven days a week, 365 days a year to help diagnose, treat and prescribe medication (when necessary and available) for many non-emergent medical issues via phone or online video consultations. Teladoc does not replace existing primary care physician relationships, but supplements them as a convenient, affordable alternative for non-emergency medical care. The use of Teladoc will be considered as Treatment inside the U.S. - PPO Network. (Available only when Worldwide coverage is purchased)

Universal Rx Pharmacy Discount Savings

This discount savings program allows you to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This program is not insurance coverage. It is purely a discount program.


The Platinum plan option offers you direct access to eDocAmerica, a worldwide medical information service, which allows you to communicate with licensed physicians, psychologists, pharmacists, dentists, dieticians and fitness trainers free of charge 24 hours a day. eDocAmerica’s services result in saved office visits, peace of mind, confidence to act, and ultimately an informed, empowered member.

The Family Matters® Maternity Program

This program is designed to provide you with educational information on your pregnancy, and suggestions for a healthy lifestyle for the expecting mom and family. A complimentary copy of the book “What to Expect When You’re Expecting” is provided to help answer the day-to-day questions faced by all expectant families. This program can also assist you in early detection of potential pregnancy complications, and encourage proper prenatal medical treatment. (Available on the Platinum plan option only)

Global Concierge and Assistance Services

The Platinum plan option provides you with more than just insurance protection. You also have exclusive access to a list of additional emergency travel assistance services handled by a dedicated service team available 24/7. Some of the assistance services provided include:

  • Emergency travel arrangements
  • Lost passport/travel documents assistance
  • Lost luggage assistance
  • Embassy or consulate referrals
  • Emergency message relay
  • Emergency prescription replacement
  • Medical referrals
  • 24-hour medical monitoring
  • Emergency cash transfer and emergency translations
  • Legal referrals

Lifetime Coverage

Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance program by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits for a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and promptly complete and return the enrollment form with your premium.


To apply for Global Medical Insurance, simply complete and return the Application. If you are applying as a family, you may include yourself, your spouse and dependents on one application. If you have dependents who are 19 and older, you must complete a separate application for those individuals. You must accurately complete all questions outlined in the application in order to be considered for coverage.

If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance and a Certificate Wording containing a complete description of benefits, exclusions and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you or any family member suffers from or is treated for any illness, injury or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG. For additional information, please contact your independent insurance producer.