Plan Detail

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

• Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
• Coverage Length: Min 5 days up to max 365 days.
• Renew Online: Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
• Acute Onset of Pre-existing Condition: Under Age 70: Covered up to overall maximum limit.
• Co-Insurance:
  • In Network: After deductible is paid by insured, plan pays 100% up to policy maximum.
  • Out-of-Network:After the deductible is paid by insured, plan pays 80% for the first $5,000 and then 100% up to the policy maximum.
• PPO Network: Provides United Healthcare PPO Network.
• ID Card & Visa Letter comes in email instantly.

UNITED STATES PREFERRED PROVIDER ORGANIZATION (PPO):

 (1) SPECIAL BENEFITS: If Treatment or supplies eligible for coverage under this insurance are received directly from the Insured Person is in the United States, the Company will adjust the Deductible and/or Coinsurance applicable to such claims according to the amount shown in the BENEFIT SUMMARY. However, all claims for Treatment or supplies received in the United States from a non-PPO provider will remain subject to the applicable Deductible and Coinsurance, whether or not the Insured Person may be eligible for the foregoing special benefit relating to Treatment or supplies received from PPO providers.

(2) PPO INFORMATION: The Company, through the Plan Administrator, endeavors to maintain a contractual arrangement with one (1) or more independent Preferred Provider Organizations (PPO) that has established and maintains a network of United States-based Physicians, Hospitals and other healthcare and health service providers who are contracted separately and directly with the PPO and who may provide re-pricings, discounts or reduced Charges for Treatment or supplies provided to the Insured Person. Neither the Company nor the Plan Administrator has any authority or control over the operations or business of the PPO or over the operations or business of any provider within the independent PPO network. Neither the PPO nor providers within the PPO network nor any of their respective agents, employees or representatives has or shall have any power or authority whatsoever to act for or on behalf of the Company or the Plan Administrator in any respect, including without limitation no power or authority to perform any of the following: (a) approve Applications or enrollments for initial, renewal or reinstated coverage under this insurance plan or accept Premium payments (b) accept risks for or on behalf of the Company (c) act for, speak for or bind the Company or the Plan Administrator in any way (d) waive, alter or amend any of the Terms of the Master Policy or this Certificate, or waive, release, compromise or settle (e) determine Pre-certification, coverage eligibility or verification of benefits, or make any coverage, benefit or claim adjudications or decisions of any kind. It is not a requirement of this insurance that the Insured Person seek Treatment or supplies exclusively from a provider within the independent PPO network. Howe -use of the PPO network may affect the scope and extent of benefits available under this insurance, including without limitation any applicable Deductible, Coinsurance and benefit reduction, as set forth above. An Insured Person may contact the Company through the Plan Administrator and request a PPO directory for the area where the Insured Person will be receiving consultation or Treatment (therein listing the Physicians, Hospitals and other healthcare providers within the PPO network by location and specialty), or an Insured Person may visit the Plan www.imglobal.com/member to obtain such information