International Medical Group (IMG) plans that cover pre-existing conditions

Visitor Medical Insurance plans that are a priority for international travel are the ones that provide coverage for pre-existing conditions. International Medical Group (IMG) offers plans that have coverage for acute onset of pre-existing conditions. We can see how the plans that International Medical Group (IMG) offers plans that have coverage for acute onset of pre-existing conditions.

IMG visitor medical insurance offering pre-existing conditions cover

Patriot America Plus: This plan provides coverage up to the policy maximum for acute onset of pre-existing conditions. This benefit is available in this plan only up to age of 70 years. Patriot America Plus plan has all the benefits of the Patriot America plan including this benefit. This plan is renewable for 2 years. It is popular among the Non US visitors coming to the US.

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Patriot International: Patriot International Insurance offers travelers insurance cover outside their home country whose destination excludes the United States and its territories.
For US citizens it offers coverage for acute onset of pre-existing conditions up to the plan maximum for travelers aged up to 65 years and $2,500 for travellers aged over 65 years.
For Non US citizens it offers coverage of the maximum limit or $500,000 whichever is less to travelers up to the age of 70 years.
It also offers a coverage of $25,000 up to the age 65 years for expenses involved in emergency medical evacuation arising from acute onset of pre-existing conditions.

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Visitors Care plan: This is the only Fixed or scheduled benefit visitor plan from IMG which has a “Heart Care Plus” rider option. This rider provides $5000 coverage for stroke or myocardial infarction (Heart attack) for up to 69 years of age. For people above 69, this rider provides $2,500 coverage for the same.

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Patriot Platinum: It covers Sudden and Unexpected Recurrence of a Pre-existing Condition –
For US Citizens: Up to age 65 with primary health plan covered up to plan maximum. Up to age 65 without primary health plan up to $20,000 lifetime maximum. 65 years and above with or without primary health plan up to $2,500 lifetime maximum.
For Non US Citizens: Up to age 65 - $50,000 lifetime maximum for eligible expenses. Age 65 years and above - $2,500 lifetime maximum.
The important feature of this plan that is unique to this plan is, the higher policy maximum option of up to $8,000,000.

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IMG student health insurance offering pre-existing conditions cover

The following two plans are student insurance plans from IMG with pre- existing conditions are concerned. Please review the eligibility criteria to buy student insurance plans:

Student Health Advantage: This plan has 2 types namely Standard and Platinum. The Standard plan is available with a policy maximum limit of $300,000 and the Platinum with a $500,000. The Standard plan has a waiting period of 12 months to cover the pre-existing conditions and the Platinum plan has 6 months waiting period to cover the pre-existing conditions.

Student Health Advantage Logo      Plan Details      Standard plan      Platinum plan      Brochure

Patriot Exchange: The sudden recurrence of a pre-existing condition coverage is available only for US citizens. Here the eligible medical expenses are covered up to $5,000 lifetime maximum and the emergency medical evacuation is covered up to $25,000 lifetime maximum. The pre-existing conditions are covered after the sudden recurrence benefit is exhausted. For conditions existing within 36 months before effective date, charges are excluded until after 12 months of coverage, and is covered for $500 maximum per period of coverage and $50,000 lifetime maximum.

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IMG global medical insurance offering pre-existing conditions cover

With IMG Global Plans,pre-existing conditions coverage is available for $50,000 lifetime maximum with $5000 per period of coverage after 24 months, except for the Bronze plan which excludes pre-existing condition coverage and the Platinum plan which covers it as any other illness.

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