Plan Detail

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

• Eligibility:- Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
• 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:
  • US Citizen :Under Age 64 without primary health plan :Max up to $20,000 ; Under Age 64 with primary health plan: up to overall policy maximum ; Age (65-69) :- Up to $2500.
  • Non- US Citizen: Under Age 70: Up to the Period of Coverage limit or $1,000,000 (whichever is lower).
• Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
• PPO Network: Provides International Provider Access.
• ID Card & Visa Letter comes in email instantly.

The Company, through the Plan Administrator, endeavors to maintain a contractual arrangement with an independent Preferred Provider Organization (PPO) that has established and maintains a network of U.S.–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 provider 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:

• approve Applications or enrollments for initial, renewal or reinstated coverage under this insurance plan or to accept Premium payments,
• accept risks for or on behalf of the Company,
• act for, speak for, or bind the Company or the Plan Administrator in any way,
• waive, alter or amend any of the Terms of the Master Policy or this Certificate or waive, release, compromise or settle any of the Company’s rights, remedies, or interests thereunder or hereunder, or
• determine Pre-certification, eligibility for coverage, 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.

However, the Insured Person’s use or non-use of the PPO network may affect the scope and extent of benefits available under this insurance, including without limitation that applicable 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 may visit the Plan Administrator’s website at http://www.imglobal.com to obtain such information.