When you and your family travel internationally, it can be the adventure of a lifetime. But what would happen if one of you became ill or injured while away from home? Would you know who to turn to?
Since 1990, International Medical Group® (IMG®) has provided medical security to hundreds of thousands of individuals, families and groups in more than 170 countries. We’re available 24 hours a day for medical emergencies, helping you through language and currency barriers when you need it most.
Worldwide Coverage. World-Class Services. Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With Global Crew Medical Insurance, a revolutionary program from International Medical Group® (IMG®), you will receive the worldwide medical coverage you need, backed by the world-class services you expect.
Global Crew Medical Insurance allows you to 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.
With IMG, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. As part of that commitment, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. We also offer a cash incentive, waiving 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside of the United States.
You need the proper worldwide coverage, provided by a company that’s there for you. When you select Global Crew Medical Insurance, you receive IMG’s promise to deliver exceptional medical benefits, medical assistance, and service— all designed to give you Global Peace of Mind®.
Why IMG? Since 1990, IMG has provided global benefits and assistance services to millions of members in nearly every country. We’re committed to being there with our members wherever they may be in the world, delivering Coverage Without Boundaries®. With 24/7 medical management services, multilingual claims administrators, and highly trained customer service professionals, IMG is confident in its ability to provide the products international members need, backed by the services they want.
GLOBAL SUPPORT. With offices and partners around the globe, IMG provides the support you need, when you need it. In fact, it is our corporate mission to be there to protect and enhance your health and well-being.
SERVICE WITHOUT OBSTACLES. With a team of international, multilingual specialists, we are accustomed to working in multiple time zones, languages, and currencies. Our global reach means we can work without barriers.
FINANCIAL STABILITY. Owned by SiriusPoint*, an ‘A-’ rated, multibillion- dollar global enterprise, IMG offers the financial security and reputation demanded by international consumers.
ACCESSIBLE TECHNOLOGY. Full access to MyIMGSM member portal allows you to submit and view your claims, manage your account, search for providers, live chat with representatives, and more.
INTERNATIONAL PROVIDER ACCESSSM (IPA). In addition to the expansive UnitedHealthcare PPO network available for treatment received within the U.S., our proprietary IPA network of more than 18,550 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and upfront expense at select providers.
Why Global Crew Medical Insurance? When you’re away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.
Plan 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 on 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)
Eligibility Global Crew Medical Insurance is available to individuals of all nationalities. U.S. citizens must plan to be residing outside the U.S. on or before their effective renewal dates, and for at least six (6) out of the next 12 months. Additional eligibility restrictions apply to non-U.S. citizens residing in the United States. Persons from the ages of 19 years to 74 years may apply for coverage, up until the age of 75. Persons 75 years of age and older are not eligible for coverage. Please see a sample contract for further details.
Lifetime Coverage Lifetime medical coverage is available if you are enrolled in the Global Crew Medical Insurance program by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday, you will receive a summary of benefits for the Global Senior Plan® and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and promptly complete and return the enrollment form with your premium.
Enrollment To apply for Global Crew Medical Insurance, simply complete and return the application. You must accurately complete all questions outlined in the application in order to be considered for coverage.
If approved, you will receive a fulfillment kit, which includes an identification card, declaration of insurance, and a Certificate Wording containing a complete description of benefits, exclusions, and terms of the plan. You are required to notify IMG, as required by the terms of the plan, if you suffer from or are treated for any illness, injury, or other medical condition between the time of your application and the issuance of the certificate. If your application is not approved, you will receive a full refund of any premium received by IMG. For additional information, please contact your independent insurance producer.
Quality Guarantee To ensure your satisfaction, once you are accepted in the plan, we provide a 15-day free look period to review the coverage. If, during that 15-day period, you find that you are not satisfied with the plan for any reason, you may submit a written request for cancella- tion and full refund of your premium received by IMG. See the Certificate Wording for full details.