Major medical health insurance offers coverage in the event of catastrophic accident or illness with high deductibles (if you choose) and low monthly premiums.
Are Routine Doctor Visits Covered?
Yes. Simply call IMG to pre-qualify your visit, or log into MY IMG, and IMG will contact the clinic or hospital for direct payment.
What If I Need To Go To The Hospital?
The majority of major medical health plans cover expenses for hospital stays, surgery, intensive care, diagnostic X-rays and lab tests. Prescription drug coverage within major medical health plans often carries a separate deductible you must meet, then a co-insurance amount.
What Will A Major Medical Policy Do For Me?
Adults who purchase major medical plans are primarily concerned with potential financial losses from a critical illness or accident. Many times, they do not qualify for Medicare yet, so a mid-range deductible option protects them from potential health care disasters abroad.
Medicare recipients who live outside their home country for half the year also apply for international major medical coverage as Medicare only provides coverage in the U.S.
People with second homes in foreign countries find this kind of policy comforting as it will provide coverage for the health care they need abroad until they are healthy enough to potentially fly back to the U.S. to continue treatment. Medicare will once again take over coverage upon returning to the U.S.
If you live outside your home country for 6 months a year or longer, you should apply for international major medical coverage. If you are already living outside your home country, you can apply now. If your move is in the future, you should apply 30 days before your departure date.