Global Medical Gold Insurance Cost, Global health insurance cost

Age
Start Date
End Date
Gender
Payment Type
Coverage
Citizenship
Global Medical Gold Insurance
Insurance provider
International Medical Group
Global Medical Gold Rating
AM Best Rating: "A" (Excellent)
Policy maximum?
$5,000,000 per individual.
Deductible options?
$250 to $25,000 per period of coverage
Compare Global Medical Plans
Compare Global Medical Plans
Plan life?
Lifetime
Global Medical Gold insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Global Medical Gold Links

  • Brochure
  • Application
  • Reviews
  • Comprehensive
  • Benefits
  • Advantages
  • Disadvantages
  • Claims
  • Provider Network
  • Renewal

Global Medical Gold insurance plan highlights

  • IMG Global Medical Gold Insurance is long-term, annually-renewable, major medical insurance that provides worldwide health insurance coverage to people of all nationalities.
  • This insurance is an ideal expatriate medical insurance plan for those who need a full range of medical benefits but for limited period of time.

IMG Global Medical Gold health insurance summary

EligibiltyGlobal Medical Gold insurance eligibility
  • Individuals and families of any nationality.
  • Applicant's age must be between 14 days to 74 years. Travelers aged 75 years and above are not eligible and the coverage will end at 75 years.
  • US citizens must reside abroad or must leave US on the effective date and plan to reside outside US for atleast six of the next twelve months.
  • Worldwide coverage for non US Citizens
Global Medical Gold optional ridersGlobal Medical Gold optional riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Global term life insurance (including AD & D)
  • Dental or Vision rider
  • Terrorism and Sports Rider
Global Medical Gold Insurance plan options
  • Lifetime Maximum Limit?: $5,000,000 per individual.
  • Deductible?: $250 to $25,000 per period of coverage.
  • 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.
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Plan Benefits

Global Medical Gold insurance benefits

In-Patient Medical Benefits
Hospital room and board? Subject to deductible and coinsurance for average private room rate
Surgery? Subject to deductible and coinsurance
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 $4,000 maximum limit per period of coverage
Public Hospitals: $500 maximum limit per overnight and $5,000 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.
$50 maximum per visit
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
Office visits and Diagnostic/X-Ray Subject to deductible and coinsurance
CAT Scans, MRI, Echocardiography, Endoscopy, Gastroscopy, Cystoscopy Subject to deductible and coinsurance.
Transplants? $1,000,000 lifetime maximum
Complementary Medicine? $500 maximum limit per period of coverage
Podiatry Care? $750 maximum limit
Emergency Room Accident? Up to the maximum limit
Emergency room illness? Subject to deductible and coinsurance.Additional $250 deductible if not admitted as an inpatient
Treatment Due to Unexpected Pain to Sound, Natural Teeth 100%
Non-Emergency Dental Optional Rider
Emergency medical evacuation? Up to maximum limit. Not subject to deductible or coinsurance
Emergency reunion? $10,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial? $25,000 lifetime maximum. Not subject to deductible or coinsurance
Child Preventative Care( Through age 18)? $200 per period of coverage. Not subject to deductible or coinsurance.
Adult Preventative Care(Age 19 or older)? $250 per period of coverage. Not subject to deductible or coinsurance.
Orphan or Biologic Drugs Inpatient & Outpatient Treatmentmaximum limit: $250,000.
Healthy Travel Preventative Coverage? $250 lifetime maximum.
Vision? Optional Rider
Supplemental Accident? $300 maximum limit per accident. Not subject to deductible and coinsurance
Pre-Existing Conditions Limitation? $50,000 lifetime maximum; $5,000 per period of coverage for unknown conditions. Available after 24 months of continuous coverage*
Mental/Nervous? $10,000 maximum. Available after 12 months of continuous coverage
Prescription Coverage? 90-day supply per prescription.U.S. Retail Pharmacy out-of-network: 80%International Retail Phamacy: 100%
Complementary Medicine? $500 maximum limit per period of coverage
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IMG Global Medical Plans Insurance - Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

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.

Does IMG travel insurance cover Covid?

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.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

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.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Global Medical Gold Insurance Restrictions

Global Medical Gold Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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International Medical Group(IMG) Insurance related coverage

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