It offers the most economical global coverage of all IMG plans for those seeking affordable benefits for inpatient care.
|Deductible Carry Forward||Included
|Treatment Outside the U.S.||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.
|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.
|Hospitalization/room and board||In U.S. – 100% of average semi-private room rate.
Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).
|Assistant Surgeon||20% of surgery benefit|
Office visits and Diagnostic/X-Ray
|Specialists/ consultants (pre-inpatient) - up to $500 prior to inpatient treatment; Specialists/consultants (post-inpatient) - up to $500 following outpatient surgery or inpatient treatment for 90 days after leaving hospital.
Lab tests - up to $300 per visit; Diagnostic X-Rays limited to $250 per visit. No family doctor coverage.
|Chemotherapy or Radiation Therapy||Usual, reasonable and customary charges|
|Transplants||$250,000 lifetime maximum|
|Emergency room illness (Additional $250 deductible if not admitted as an in patient)||Covered only if admitted as Inpatient|
|Emergency room accident||100%|
|Local ambulance due to injury or illness resulting in hospitalization||$1,500 maximum limit per event - not subject to deductible or coinsurance.|
|Emergency evacuation||Up to $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
|Emergency reunion||$10,000 lifetime maximum|
|Return of mortal remains||$10,000 lifetime maximum - not subject to deductible or coinsurance.|
|Rx coverage||Inpatient: 100%.
Outpatient: Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per inpatient event.
|Physical therapy||Inpatient: 100%
Outpatient: $40 maximum limit per visit, and 10 visit per event, available for 90 days following Inpatient Treatment or Outpatient Surgery.
|Emergency dental due to accident||$1,000 per period of coverage|
|Hospital indemnity (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.
|Pre-Existing Conditions Limitation||Excluded|