Plans for Internationally Assigned Employees
Medical Insurance for Expatriates & Global Citizens
International medical insurance options through IMG include plans that have been designed specifically to serve the needs of expatriates and their families, and can provide invaluable peace of mind for globally mobile citizens.
IMG's expatriate health insurance provides 24/7 global access to health care, and connects expats to important international medical services, such as the coordination of emergency evacuations. These plans can be customized to suit the needs of expatriate individuals, families and groups.
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Global Medical Insurance®
Choose from several plan options, areas of coverage, multiple deductibles, and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies. Quite simply, IMG helps you build the coverage you need.
Highlights
- Flexibility: Multiple plan options and payment modes to fit your budget
- Choice of Coverage Area: Worldwide or Worldwide Excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan
- Freedom to Choose: Select your own health care provider, no matter where you are in the world
- Travel Intelligence: Receive location-specific alerts on health, transportation, security, and weather
- Assistance Services: Available on all plans
- Preventative Care: No waiting period for wellness benefits
- Healthy Travel Preventative Coverage: Receive vaccinations and preventative prescriptions prior to departure
- Pre-Existing Condition Waiver: For individuals with proof of comprehensive health insurance and no significant break in coverage (63 days)
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Global Employer's Option (GEO) GroupSM
This customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their international assignment.
Designed For:
- Multinational employers with two or more employees
- Employees living and working outside of their home country
- Third country or key local nationals
- Independently contracted employees
- Worldwide coverage area options
- Full group takeover/replacement provision available
- Waiver of pre-existing condition waiting periods for new employees with proof of prior coverage
- Medical History Disregarded underwriting option
- Dental, disability and life insurance available
- Universal Rx pharmacy discount savings
- Qualifies as Minimum Essential Coverage (MEC)
- Optional assistance services for physical and mental health
International Marine Medical Insurance (IMMI)SM
This customizable plan offers medical coverage to groups of two or more marine crew professionals who live and work aboard ocean going vessels. The IMMI program, coupled with our expertise in marine claims, medical management, and international assistance services, will help you and your crew members properly prepare for injury or illness that occurs while on assignment.
Designed For:
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Worldwide group coverage for professional marine crew
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$5,000,000 maximum benefit per insured person per period of coverage
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Primary to the vessel's Protection and Indemnity insurance (P&I)
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Coverage for individuals and dependents