International Major Medical Health Insurance

Are you living abroad full or part time and concerned about critical illness or accident coverage?

major medical health insuranceIf you spend six months a year or more outside your home country, you qualify for international major medical insurance.  The six months do not have to be consecutive and you do not have to report your comings or goings.  In the event of a claim, your stamped passport is proof of your travels should the claim department request it.

Where Do You Go In Case of a Medical Emergency in a Foreign Country?

IMG, or International Medical Group, will even help you locate a doctor or hospital abroad.  All of your insurance documents, including insurance cards and claim forms, will be emailed to you and can be downloaded anytime if you lose them.  Claim forms are simple to send in and re-imbursement is immediate if the international hospital does not accept insurance.

Want to Know if Your U.S. Doctor or Hospital Has a Direct Billing Relationship with IMG?

To search for a medical care provider within the independent Preferred Provider Organization network, simply click the link below. The PPO directory is updated on a routine basis, however, changes may be made between updates. To ensure that the physician you have selected is in the network, please contact the physician’s office to confirm his/her participation. You may also be eligible for a discount on your deductible and coinsurance if you use the PPO network.

Search for IMG Hospital Network

If your doctor or hospital has not signed up to have a direct billing relationship with IMG, simply pay the bill, get your receipt, and scan and email your bill and claim form for immediate reimbursement.   In the event you cannot pay the hospital yourself due to an extended stay for critical illness or accident, IMG will pay the hospital directly for uninterrupted treatment.  IMG will coordinate this with the hospital directly.

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Being a citizen of the global community can be an exciting experience, yet one that can pose potential complications without a health care advocate on your side.

To accommodate your financial means, you can choose your area of coverage and select from multiple deductibles and plan options.  With your medical history in mind, the program also provides flexible underwriting methods to extend coverage to you that may be declined by other companies.

You also have direct access to our Medical Concierge, an unequaled service that provides you with personalized assistance in locating the best provider for your specific needs.  This is not an international P.P.O. network.  You do not have to use the suggested providers but you are welcome to use them as a resource.   In addition, health care advocates are available for service at your convenience via phone, email or Live Chat.

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