It offers the most economical global coverage of all IMG plans for those seeking affordable benefits for inpatient care.
|Hospital room and board||Subject to deductible and coinsurance for average private room rate|
|Surgery||Up to the maximum limit|
|Intensive care unit||Subject to deductible and coinsurance|
|Assistant Surgeon||20% of primary surgeon’s charge|
|Hospital Indemnity(Inpatient hospitalization outside the U.S. only)?||Private Hospitals: $400 maximum limit per overnight and $4k maximum limit per period of coverage
Public Hospitals: $500 maximum limit per overnight and $5k maximum limit per period of coverage. Not subject to deductible or coinsurance
|Chemotherapy or Radiation Therapy||Subject to deductible and coinsurance|
|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|
|Treatment Outside the U.S.||50% of deductible waived, up to a maximum of $2.5k. No coinsurance|
|Treatment Inside the U.S. (using Medical Concierge)||50% of deductible waived, up to a maximum of $2.5k. No coinsurance|
|Treatment Inside the U.S. (PPO Network)||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|
|Office visits and Diagnostic/X-Ray||$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|
|CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy||Subject to deductible and coinsurance. $600 maximum limit per examination|
|Transplants||$250k lifetime maximum|
|Emergency local ambulance(Injury or Illness resulting in an inpatient hospital admission)||$1.5k maximum limit per event. Not subject to deductible or coinsurance|
|Emergency Room Accident||Up to the maximum limit|
|Emergency room illness||Subject to deductible and coinsurance. Covered only if admitted as inpatient|
|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|
|Orphan or Biologic Drugs (Available when all conditions are met)
» Approved in writing by company
» Medically necessary
» Not experimental or investigational
Applies to period of coverage max. Max limit applies towards lifetime max.
|Inpatient Treatment maximum limit: $250k.
Outpatient Surgery: up to the maximum limit.
Subject to deductible and coinsurance.
Does not apply to maximumlimit per event
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International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.
Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
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