Maximum medical coverage options are
$2,000,000, $5,000,000, $8,000,000
Individual deductible options are
$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000, $25,000per each injury or sickness
For treatment received outside the US and Canada: IMG pays 100% For treatment received within the US and Canada:
In the PPO Network: IMG pays 100%
Outside the PPO Network: IMG pays 90% up to $5,000, then 100%
Hospital room and boardAverage semi-private room rate up to the maximum limit. Includes nursing service.
Intensive careUp to the maximum limit.
Pre-Certification50% reduction of eligible medical expenses if pre-certification provisions are not met
Remote Transportation$5,000 per period, $20,000 lifetime maximum
Emergency room accidentUp to the maximum limit.
Hospital Emergency Room(Inside the U.S.)Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
Hospital Emergency Room(Outside the U.S.)Up to the maximum limit.
Acute Onset of Pre-Existing ConditionsUnder 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation
Emergency dental treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Hospital indemnityUp to $250 per overnight up to a maximum of 10 overnights.
Supplemental Accident$300 per covered accident.
Emergency medical evacuationUp to maximum limit.
For a maximum of 15 days.
Return of mortal remains or cremation/burialUp to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Return of minor children$100,000.
Natural disaster$25,000 maximum limit. Not subject to deductible.
Urgent Care Clinic$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk-In Clinic$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Trip Interruption$10,000 maximum limit. Not subject to deductible
Bedside Visit$1,500 maximum limit. Not subject to deductible.
Remote transportation$5,000per certificate period
$20,000 lifetime maximum
Identity theft assistanceUp to $500
Assistant Surgeon20% of the primary surgeon’s eligible fee
Lost / Theft of luggage, valuables, personal papersCompany pays 100%
Interfacility Ambulance TransferCompany pays 100%
Terrorism$50,000 maximum limit
Sports & leisure activitiesUp to the maximum limit for basic sports
Incidental home country coverageUp to cumulative of 2 weeks
End of trip home country coverageOne month for every four months of travel coverage, up to a maximum of three months
Common carrier accidental death$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family.
Accidental death & dismemberment$50,000 principal sum.
Small pet common carrier accidental death$500 maximum limit.