Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Traveler Services
Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.
Show ServicesEnterprise
Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesWhat type of organization do you represent?
As a professional marine crew member, you know that finding adequate medical coverage can be a challenge. The unique demands of your profession often can prevent you from getting the inclusive international health care plan you need and deserve.
IMG understands your challenges and healthcare needs, at sea and in port. We're proud to provide comprehensive and portable marine crew insurance plans designed specifically for professional yacht and marine crew. The plans provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment around the world.
We go a step further than your vessel's required Protection and Indemnity insurance by offering 24/7 emergency medical and travel assistance to crew members, exemplary claims handling and customer service, assistance finding treatment facilities and coordination of emergency medical evacuations. Explore IMG's medical insurance for crew members below.
Popular Plans
For Marine Captains & Crews
Global Medical Insurance
Annually renewable worldwide medical insurance program for individuals and families
Highlights
- Long-term (1+ year) worldwide medical insurance for individuals and families
- Annually renewable medical coverage
- Deductible options from $100 to $25,000
- Maximum limit options from $1,000,000 to $8,000,000
Summary of Benefits
Subject to deductible and coinsurance unless otherwise noted
| Benefit | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Lifetime Maximum Limit | $1,000,000 per individual | $5,000,000 per individual | $5,000,000 per individual | $8,000,000 per individual |
| Deductible (Per period of coverage) | $250 to $10,000 | $250 to $10,000 | $250 to $25,000 | $100 to $25,000 |
| Treatment Outside the U.S. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. |
| Treatment inside the U.S. using Medical Concierge | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. | 50% of deductible waived, up to a maximum of $2,500. No coinsurance. |
| Treatment inside the U.S. - PPO Network | Subject to deductible. No coinsurance. | Subject to deductible. No coinsurance. | Subject to deductible. No coinsurance. | Subject to deductible. No coinsurance. |
| Treatment inside the U.S. - Non-PPO Network | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. | Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage. |
| Coinsurance | International – 100% U.S. in-network – 100% U.S. out-of-network – 80% | International – 100% U.S. in-network – 100% U.S. out-of-network – 80% | International – 100% U.S. in-network – 100% U.S. out-of-network – 80% | International – 100% U.S. in-network – 100% U.S. out-of-network – 80% |
| Outpatient | $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays $500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient) Subject to deductible and coinsurance | $300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays 25 combined maximum visits Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Mental/Nervous | N/A | Outpatient after 12 months of continuous coverage. | $10,000 maximum per period of coverage with a $50,000 lifetime maximum - Available after 12 months of continuous coverage. | $50,000 lifetime maximum |
| Hospital Emergency Room Injury | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Hospital Emergency Room Illness | Subject to deductible and coinsurance. Covered only if admitted as inpatient | Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient | Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient | Subject to deductible and coinsurance. Additional $250 deductible if not admitted as an inpatient |
| Hospitalization / Room & Board | Subject to deductible and coinsurance for average semi-private room rate | Subject to deductible and coinsurance for average semi-private room rate. All subject to $600 per day/240 day maximum | Subject to deductible and coinsurance for average semi-private room rate | Subject to deductible and coinsurance for average private room rate |
| Intensive Care Unit | Subject to deductible and coinsurance | Subject to deductible and coinsurance. $1,500 limit per day – 180 days of coverage per event | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy | Subject to deductible and coinsurance. $600 maximum per examination | Subject to deductible and coinsurance. $600 maximum per examination | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Surgery | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Assistant Surgeon | 20% of primary surgeon’s charge | 20% of primary surgeon’s charge | 20% of primary surgeon’s charge | 20% of primary surgeon’s charge |
| Chemotherapy or Radiation Therapy | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance | Subject to deductible and coinsurance |
| Maternity Delivery, preventative, newborn care & congenital disorders, Family Matters Maternity Program (available after 10 or 24 months of continuous coverage based on Underwriting review of the Insured Person’s Application) | N/A | N/A | N/A | $2,500 additional deductible per pregnancy. $50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth. $250,000 maximum for newborn care & congenital disorders for the first 31 days after birth |
| Podiatry Care | N/A | N/A | $750 maximum limit | $750 maximum limit |
| Physical Therapy | Subject to deductible and coinsurance. $40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery | Subject to deductible and coinsurance. $40 maximum per visit – 30 visit limit | Subject to deductible and coinsurance. $50 maximum per visit | Subject to deductible and coinsurance. $50 maximum per visit |
| Transplants | $250,000 lifetime maximum | $250,000 lifetime maximum | $1,000,000 lifetime maximum | $2,000,000 lifetime maximum |
| Prescription Drugs, Dressings, and Durable Medical Equipment | Subject to deductible and coinsurance. Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per event | Subject to deductible and coinsurance. 90-day supply per prescription following related covered event. U.S. Retail Pharmacy | Subject to deductible and coinsurance. 90-day supply per prescription. U.S. Retail Pharmacy | U.S. Retail Pharmacy: prescription drug card required. Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available. International Retail Pharmacy (subject to deductible): 100% |
| Expatriate Prescription Services Program | N/A | N/A | N/A | Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com Dispensing maximum: 180 days |
| Orphan or Biologic Drugs (Available when all conditions are met)
| Inpatient Treatment maximum limit: $250,000. Outpatient Surgery: up to the maximum limit. Subject to deductible and coinsurance. Does not apply to maximum limit per event | Outpatient and Emergency Department Treatment maximum limit: $250,000. Subject to deductible and coinsurance | Inpatient & Outpatient Treatment maximum limit: $250,000. Subject to deductible and coinsurance | Maximum limit $250,000. U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments. International retail pharmacy: Subject to deductible and coinsurance. Inpatient/outpatient medical treatment: Subject to deductible and coinsurance |
| Healthy Travel Preventative Coverage | $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination | $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination | $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination | $250 lifetime maximum. Not subject to deductible or coinsurance. Applies to vaccinations and preventative prescription drugs administered by a physician within 30 days prior to the insured person’s initial effective date and before departing to any destination |
| Vision | Optional Rider | Optional Rider | Optional Rider | $100 maximum per 24 months for exams. $150 per 24 months for materials |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | $1,500 maximum limit per event - not subject to deductible or coinsurance. | $1,500 maximum limit per event - not subject to deductible or coinsurance. | Subject to deductible and coinsurance | Not subject to deductible and coinsurance |
| Emergency Evacuation | $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. | $50,000 maximum per period of coverage. Not subject to deductible or coinsurance. | Up to lifetime maximum limit. Not subject to deductible or coinsurance. | Up to lifetime maximum limit. Not subject to deductible or coinsurance. |
| Emergency Reunion | $10,000 lifetime maximum. Not subject to deductible or coinsurance | N/A | $10,000 lifetime maximum. Not subject to deductible or coinsurance | $10,000 lifetime maximum. Not subject to deductible or coinsurance |
| Interfacility Ambulance Transfer (Transfer from one licensed health care Facility to another licensed health care Facility) | $1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only | $1,500 maximum limit per event. Not subject to deductible or coinsurance. U.S. only | Subject to deductible and coinsurance. U.S. only | Not subject to deductible or coinsurance. U.S. only |
| Political Evacuation and Repatriation | N/A | N/A | N/A | $10,000 lifetime maximum |
| Remote Transportation | N/A | N/A | N/A | $5,000 per period of coverage up to $20,000 lifetime maximum. Not subject to deductible or coinsurance |
| Return of Mortal Remains | $25,000 lifetime maximum - not subject to deductible or coinsurance. | $25,000 lifetime maximum - not subject to deductible or coinsurance. | $25,000 lifetime maximum - not subject to deductible or coinsurance. | $50,000 lifetime maximum - not subject to deductible or coinsurance. |
| Complementary Medicine | N/A | N/A | $500 maximum limit per period of coverage | $500 maximum limit per period of coverage |
| Traumatic Dental Injury Treatment at a hospital facility | $1,000 per period of coverage | $1,000 per period of coverage | Up to the lifetime maximum limit | Up to the lifetime maximum limit |
| Treatment Due to Unexpected Pain to Sound, Natural Teeth | N/A | N/A | $100 per period of coverage | 100% |
| Non-Emergency Treatment at a Dental Provider due to an Accident | N/A | N/A | $500 per period of coverage | See Non-Emergency Dental benefit |
| Non-emergency Dental | Optional Rider | Optional Rider | Optional Rider | $750 maximum per period of coverage; $50 individual deductible, applies to minor restorative and major restorative services |
| Hospital Indemnity (Inpatient hospitalization outside the U.S. only) | Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. | Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. | Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. | Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage. Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage. |
| Supplemental Accident | N/A | N/A | $300 of Eligible Medical Expenses following an accident. Not subject to deductible or coinsurance | $500 of Eligible Medical Expenses following an accident. Not subject to deductible or coinsurance |
| Adult Preventative Care (Age 19 or older) | N/A | N/A | $250 per period of coverage. Not subject to deductible or coinsurance | $500 per period of coverage. Not subject to deductible or coinsurance |
| Child Preventative Care (Through age 18) | N/A | $70 maximum per visit, 3 visit limit per period of coverage. Not subject to deductible or coinsurance. | $200 maximum per period of coverage. Not subject to deductible or coinsurance. | $400 maximum per period of coverage. Not subject to deductible or coinsurance. |
| Pre-Existing Conditions Limitation** | Excluded | $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** | $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage.** | Covered if disclosed and not excluded by rider |
| Teleconsultation* | N/A | N/A | Yes | Yes |
| Remote Mental Health Service | N/A | N/A | N/A | Yes |
| Travel Intelligence Portal | Yes | Yes | Yes | Yes |
*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.
**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).
Highlights
- Worldwide group coverage for professional marine crew
- $5,000,000 maximum benefit per insured person per period of coverage
- Primary to the vessel's Protection and Indemnity insurance (P&I)
- Coverage for individuals and dependents
- Optional Sports Expansion add-on coverage available
Medical Benefits Summary
| Maximum Limit | $5,000,000 per period of coverage |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Deductible | $0 | $0 | $100 - $10,000 | $100 - $10,000 |
Family Deductible
| $0 | $0 | 3 deductibles | 3 deductibles |
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
| Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Sudden and Unexpected Reoccurrence of Pre-Existing Conditions
| Not applicable | 100% | 80% | 100% |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Eligible Medical Expenses | 100% | 100% | 80% | 100% |
| Physician Visits/Services | Not applicable | 100% | 80% | 100% |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
| Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| COVID-19/SARS-CoV-2 Coverage | Charges for treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
| Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | Not applicable | 100% | 80% | 100% |
| Radiology/X-Ray | 100% | 100% | 80% | 100% |
| Chemotherapy/Radiation Therapy | 100% | 100% | 80% | 100% |
| Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
| Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
| Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Routine Eye Examination
| Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 |
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Prescriptions
| Not applicable | 80% | 80% | 100% |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Lifetime Maximum | $20,000 | $20,000 | $20,000 | $20,000 |
| Inpatient Mental or Nervous/Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| Not applicable | 100% | 80% | 100% |
(NOT Subject to Deductible or Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
|
|
|
|
Remote Mental Health Service*
| Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
| Teleconsultation** | Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Medical Travel Management
| Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 80% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.
Dental Benefits Summary
| Calendar Year Maximum Limit | $1,000 - $1,500 - $3,000 |
| Calendar Year Orthodontia Maximum Limit | $1,000 - $1,500 - $3,000 |
Deductible
| $50 |
Family Deductible
| $150 |
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Radiographs
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Orthodontia
| Plan pays 50% | Insured pays 50% |
**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).
| Currency Options | Available in $USD or €EUR |
| Maximum Limit | $5,000,000 per period of coverage |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Deductible | $0 | $0 | $100 - $10,000 | $100 - $10,000 |
Family Deductible
| $0 | $0 | 3 deductibles | 3 deductibles |
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
| Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Eligible Medical Expenses | 100% | 100% | 80% | 100% |
| Physician Visits/Services | Not applicable | 100% | 80% | 100% |
Teladoc Consultation*
| Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
| Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| COVID-19/SARS-CoV-2 Coverage | Charges for treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
| Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | Not applicable | 100% | 80% | 100% |
| Radiology/X-Ray | 100% | 100% | 80% | 100% |
| Chemotherapy/Radiation Therapy | 100% | 100% | 80% | 100% |
| Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
| Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
| Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 100% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Routine Eye Examination
| Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 |
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International | ||||||||||
Prescriptions
| Not applicable | 80% | 80% | 100% | ||||||||||
United States Retail Pharmacy
| Universal RX (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States. Retail Pharmacy Copayments:
| |||||||||||||
International Prescriptions
| Coinsurance: 100%
| |||||||||||||
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Lifetime Maximum | $20,000 | $20,000 | $20,000 | $20,000 |
| Inpatient Mental or Nervous/Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| Not applicable | 100% | 80% | 100% |
(NOT Subject to Deductible or Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
|
|
|
|
Remote Mental Health Service*
| Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
| Teleconsultation** | Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Medical Travel Management
| Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 80% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.
Dental Benefits Summary
| Calendar Year Maximum Limit | $1,000 - $1,500 - $3,000 |
| Calendar Year Orthodontia Maximum Limit | $1,000 - $1,500 - $3,000 |
Deductible
| $50 |
Family Deductible
| $150 |
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Radiographs
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Orthodontia
| Plan pays 50% | Insured pays 50% |
**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).
| Period of Coverage | Maximum Limit: 365 days |
| Calendar Year Maximum Limit | Unlimited |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Deductible | $0 | $0 | $0 | $0 |
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
| Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Pre-existing conditions are covered the same as any other illness or injury. |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Eligible Medical Expenses | 100% | 100% | 80% | 100% |
| Physician Visits/Services | Not applicable | 100% | 80% | 100% |
Teladoc Consultation*
| Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. | Company pays 100% within the U.S. |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
| Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| COVID-19/SARS-CoV-2 Coverage | Charges for treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
| Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | Not applicable | 100% | 80% | 100% |
| Radiology/X-Ray | 100% | 100% | 80% | 100% |
| Chemotherapy/Radiation Therapy | 100% | 100% | 80% | 100% |
| Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
| Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
| Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Routine Eye Examination
| Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 | Maximum limit every 24 months: $100 |
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 | Maximum limit every 24 months: $150 |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
United States Retail Pharmacy
| Universal RX (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States. Retail Pharmacy Copayments:
| |||
International Prescriptions
| Coinsurance: 100%
Expatriate Prescription Services Program
Contact Information:
Prescription Submission:
Questions/Concerns:
| |||
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Lifetime Maximum | $20,000 | $20,000 | $20,000 | $20,000 |
| Inpatient Mental or Nervous/Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| Not applicable | 100% | 80% | 100% |
(NOT Subject to Deductible or Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
|
|
|
|
Remote Mental Health Service*
| Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
| Teleconsultation** | Company pays 100% | Company pays 100% | Company pays 100% | Company pays 100% |
Medical Travel Management
| Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 100% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.
Platinum Dental Benefits Summary
| Calendar Year Maximum Limit | $1,500 - $3,000 |
| Calendar Year Orthodontia Maximum Limit | $1,500 - $3,000 |
Deductible
| $50 |
Family Deductible
| $150 |
NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Radiographs
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime
Orthodontia
| Plan pays 50% | Insured pays 50% |
Highlights
- Worldwide group coverage for professional marine captains, crew members
- $1,000,000 maximum benefit per insured person per period of coverage
- Options for Primary and Secondary coverage to the Vessel's Protection and Indemnity Insurance
- Coverage for individuals and dependents
- Optional Sports Expansion add-on coverage available
Medical Benefits Summary
The following is a schedule of benefits for CLI Group. The plan covers the Usual, Reasonable, and Customary (URC) charges for eligible expenses in the area where you receive treatment. All amounts shown are in U.S. dollars.
| Period of Coverage | 365 days |
| Calendar Year Maximum Limit | $1,000,000 |
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments. Refer to the MEDICAL CONCIERGE provision for further details. |
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
| Deductible | $250 | $0 | $250 | $250 |
Family Deductible
| $750 | $0 | $750 | $750 |
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
| Out-of-Pocket Maximum | $0 | $0 | $1,000 | $0 |
|
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | N/A | 100% | 80% | 100% |
| Physician Visits/Services | N/A | 100% | 80% | 100% |
Hospital Emergency Room: United States
| N/A | 100% | 80% | N/A |
| Hospital Emergency Room: International | N/A | N/A | N/A | 100% |
Hospitalization/Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| Outpatient Surgical/Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | N/A | 100% | 80% | 100% |
| Radiology/X-Ray | N/A | 100% | 80% | 100% |
| Pre-Admission Testing | N/A | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Second Surgical Opinion
| N/A | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| N/A | 100% | 80% | 100% |
| Anesthetists | N/A | 100% | 80% | 100% |
Pregnancy and Newborn Care
| N/A | 100% | 80% | 100% |
Pregnancy Complications
| N/A | 100% | 80% | 100% |
Newborn Care
| N/A | 100% | 80% | 100% |
| Durable Medical Equipment | N/A | 100% | 80% | 100% |
Podiatry Care
| N/A | 100% | 80% | 100% |
Chiropractic Care
| N/A | 100% | 100% | 100% |
Physical Therapy
| N/A | 100% | 100% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
Preventative Care
| N/A | 100% | 100% | 100% |
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
United States Retail Pharmacy
| Universal RX (URX) prescription drug card MUST be utilized for all outpatient prescription drugs in the United States. Retail Pharmacy Copayments: | |||
International Prescriptions
| 100% | 100% | 100% | 100% |
Expatriate Prescription Services Program
| Generic: $5 Brand Name: $15 Contact Information:
| |||
(Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
| Lifetime Maximum | $20,000 | $20,000 | $20,000 | $20,000 |
Inpatient Mental or Nervous/Substance Abuse
| N/A | 100% | 80% | 100% |
Outpatient Mental or Nervous/Substance Abuse
| N/A | 50% | 50% | 50% |
(NOT Subject to Deductible or Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| N/A | 100% | 100% | 100% |
Emergency Medical Evacuation
| N/A | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| N/A | 100% | 100% | 100% |
Return of Mortal Remains
| N/A | 100% | 100% | 100% |
(NOT Subject to Deductible and Coinsurance unless otherwise noted
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary
Maximum Limits per Calendar Year or, if indicated, per Lifetime)
| Benefit | Medical Concierge (Non-Emergency) | In-Network | Out-of-Network | International |
Emergency Dental
| N/A | 80% | 80% | 100% |
Traumatic Dental Injury
| N/A | 100% | 80% | 100% |
| Recreational Underwater Activities | N/A | 100% | 80% | 100% |
Hospital Indemnity
| Private Hospital
Treatment received by the insured person at a public hospital and no charges are incurred by the insured person or the company will be subject to the public hospital maximum limit. Treatment received by the insured person at a public hospital and charges are submitted to the company for reimbursement will be subject to the private hospital maximum limit. | |||
Employee Assistance Program (Optional)
| N/A | N/A | N/A | N/A |
Medical Travel Management
|
| |||
Optional Group Dental Summary & Rates
| Maximum Limit | $1,500 |
| Orthodontia Lifetime Maximum Limit | $1,000 |
Deductible
| $50 |
Family Deductible
| $150 |
NOT Subject to Deductible and Coinsurance
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
Subject to Deductible and Coinsurance
Radiographs
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
| Minor Restorative Services | Plan pays 80% | Insured pays 20% |
Subject to Deductible and Coinsurance
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
Subject to Deductible and Coinsurance
Orthodontia
| Plan pays 50% | Insured pays 50% |
Recent Blog Articles
Frequently Asked Questions
With an international health plan from IMG, you have medical coverage worldwide. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area.
Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.
If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.
Disclaimer
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
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Brandon Merideth
Account Executive / Group Development
International Medical Group®
2960 N. Meridian St.
Indianapolis, IN 46208 USA
Phone: +1.317.833.1807