Most Popular |
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| IMG Global Medical | First'Expat + | Start'Expat | |
|---|---|---|---|
| Overall Maximum Limit | $1,000,000; $5,000,000 or $8,000,000 USD | $500,000, $1,000,000, $2,000,000, or $3,000,000 | 250,000€ |
| Eligible Countries of Citizenship | Any country | Any country | Any country |
| Covered Areas | 1. Worldwide; 2. Worldwide excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan | Worldwide | 1. Worldwide; 2. Worldwide excluding the US |
| Duration Options | Annual | Annual | Monthly |
| Emergency Medical | Reasonable and customary costs | Reasonable and customary costs | Reasonable and customary costs |
| Outpatient Services | Bronze plan: $300 max per visit for lab tests; $250 per visit for diagnostic xrays; $500 max limit for specialists/physician charges Silver plan: 25 visits with coverage limits for specific expenses Gold & Platinum: reasonable and customary costs |
Reasonable and customary costs | Reasonable and customary costs if resulting from an accident or an unforeseen illness |
| Local Ambulance | $1,500; or reasonable and customary costs (depending on plan) | Reasonable and customary costs | Reasonable and customary costs |
| Hospital Accommodation | Reasonable and customary costs (semi-private or private room, depending on plan) | Reasonable and customary costs (semi-private or private room, depending on plan) | Reasonable and customary costs |
| Emergency Evacuation | Bronze and Silver: $50,000 maximum Gold & Platinum: up to lifetime maximum limit |
Reasonable and customary costs | Reasonable and customary costs |
| Prescription Drugs | Bronze: $600 outpatient maximum limit per event Silver: 90-day supply per prescription Gold: 90-day supply for outpatient only Platinum: 90-day supply in all cases |
Reasonable and customary costs | 3,000€ |
| Check-Ups | Adult preventative care: Gold $250; Platinum $500 per period of coverage Child preventative care: Silver $70 max per visit, up to 3 visits per coverage period; Gold - $200 per period of coverage; Platinum $400 per period of coverage |
Quartz plan: not covered. Other plans: covered. | Not covered |
| Maternity | Platinum: after 10 months of coverage, $50,000 lifetime maximum - $200 max newborn preventative care; $250,000 max for newborn care & congenital disorders; $2500 additional deductible per pregnancy | Optional rider | Not covered |
| Dental | Dental Injury: Bronze & Silver - $1000 per period of coverage for dental injury; Gold & Platinum – up to lifetime maximum limit Dental Pain: Gold - $100; Platinum - 100% Non-Emergency Dental Accident: Gold - $500; Platinum - $750 |
Optional rider | Dental emergency only: 350€. Dentures and protheses related to an accident: 200€ |
| Mental/Nervous Conditions | Silver: Outpatient after 12 months of continuous coverage Gold: $10,000 after 12 months of continuous coverage Platinum: $50,000 after 12 months of continuous coverage |
Covered up to specific limits after 12 months | Not covered |
| Organ Transplants | Bronze & Silver: $250,000 Gold: $1,000,000 Platinum: $2,000,000 |
Reasonable and customary costs | Reasonable and customary costs if resulting from an accident or an unforeseen illness |
| Vision | Platinum only: $100 for exams & $150 for materials in a 24-month period | Optional rider | Lenses and frames following an accident: 150€ |
| Optional Riders | Global Term Life Insurance, Accidental Death & Dismemberment (AD&D), Terrorism (Platinum only), Sports (Gold & Platinum only), Dental & Vision (Bronze, Silver & Gold) | Vision/Dental, Maternity, Assistance/Repatriation, Legal Assistance/Third-Party Liability | None |
