FAQ

Frequently Asked Questions IMG Global Fusion Plans

Anybody under age 75 is eligible provided they are not American living in the USA. With this policy and Area 3 coverage, you can spend cumulatively 6 months per year in the USA.

The only restriction is that you can’t be an American citizen living in the USA; otherwise there are no geographical limitations.

The policy is for one year and has guaranteed annual renewal. You can continue to renew as long as the plan is available and you are eligible. The upper age limit for new applicants is 74. You will receive a renewal form by post as well as 60 and 30 day e-mail notices prior to your expiration date. You can renew on-line or by faxing the renewal form.

Yes provided you have been continuously covered from age 64 to 74, beyond that you can go on our seniors plan.

We have medical questions on our applications that ask about pre-existing medical conditions, but no physical exam is required. If you are 55 or older you must have had a physical exam in the last 2 years in order to qualify for cover or you must get one and provide a note from your doctor.

If your geographical area contains your home country, then there is no limitation and you can continue to renew. The only restriction is that American citizens must reside outside of the USA 6 months per year, and have a residential address outside of the USA.

You can apply on-line and get same day cover paying by credit card. Or simply download an application form and fax, email or post it to us. If you are paying by credit card we can cover you immediately or on the date you specify up to 30 days in the future.

You can pay annually by credit card (Visa, MasterCard, JCB, American Express), check, postal money order, or bank draft in USD. Monthly, quarterly or semi-annually payment options are only available when paying by credit card.

There is no international medical plan we know of that penalizes individuals by raising their premium for claiming.

There are two ways insurers apply premium increases.

The way most people expect is to apply a percentage increase to premium tables across the board, so the price you pay is what everybody else pays in the same age band at all times. Almost all European plans use this transparent system.

The other method is to follow a cohort joining in a year as a class, and apply increases to that pooled group accordingly. Almost all American plans including ours are administered this way. Entry premiums do not change much from year to year. The bad thing about this is that people are confused when they see higher renewal prices, than on the premium table. The good thing about this is that you can quit and start a new policy at the low entry price if you want the lower premium. The applied increases have kept pace with the competition, and are most often lower typically for the first 5 years. So you start lower, have lower increases, and can restart the clock if you want. You can’t do that with other plans that apply increases across the board.

You will receive a plastic membership wallet ID card with policy number and expiry date. On the back of the card are the contact numbers for IMG assistance emergency response in the event of a problem. You will also receive a certificate of insurance, the policy wording, claim forms and procedures.

Yes, but only at renewal. If you upgrade, wait periods for benefits such as maternity will apply anew. If you have a medical condition under treatment and want to change your geographical area to be treated in the US or Canada, then this will be at our discretion.

You get full cover within your geographical area. With Worldwide excluding USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan you receive accident and emergency cover for 30 days for travel and holidays out of area. This saves you having to buy travel insurance.

You can cancel and get a full refund within 15 days of starting with the Level 1 plan and 30 days starting with a Level 2 or 3 plan, if you are claim free, you can get a pro-rata refund anytime.

Yes, so long as it is within the geographical area of coverage.

Compassionate travel is a return home $3000 USD benefit allowing travel home if an immediate family member under 75 dies unexpectedly, or becomes terminally ill. It also allows an immediate family member to come to your bedside if you are hospitalized. Under the Medical Evacuation benefit, reasonable transportation costs for an accompanying person will be paid if deemed necessary by IMG Assistance. In all circumstances these benefits must be pre-authorized and coordinated by the IMG Assistance.

STD’s, immunizations, cosmetic surgery, contraceptives, vaccinations etc. are excluded. These exclusions are standard with most policies.

Hazardous sports are excluded. Please see the policy wordings for a complete list. Downhill skiing and snowboarding on trail is not considered to be hazardous sports.

This is when you are admitted to a hospital. It is usually for a serious medical condition.

This is when you consult with a general practitioner (family doctor) or outpatient specialist (e.g. a cardiologist) without being admitted to a hospital. An example would be if you have the flu and visited your doctor’s office for a consultation.

Travel insurance is usually for short periods but can be for up to 3 years and does not cover urgent or elective medical problems. It covers only accidents and emergencies. Travel insurance companies expect you to end your trip and return home for elective or urgent treatment, and some policies require return home immediately once diagnosed or seriously injured. For example, if you were diagnosed with cancer, there might be an urgent requirement to commence treatment, but it is not life or death to get on an airplane and return home. Travel insurance is also not renewable. If you do have a serious medical problem, your cover will end at the expiration date, or when you return home. Our medical insurance covers urgent and elective medical problems like cancer, and is guaranteed renewable. If you have expatriate medical insurance, you don’t need travel insurance unless you are travelling outside your area of cover. The underlying assumption with travel cover is that you have proper medical insurance at home, or in your country of residence, to return to in the event of an urgent or elective medical problem.

This is the amount you must pay when claiming. Please see the tables below for the options:

Deductibles $250 $500 $1,000 $2,500 $5,000 $10,000

 

With all benefit levels you choose an annual deductible. Any medical expenses exceeding the deductible amount are payable in a policy year. You must file claims to prove that you have spent the deductible amount before the policy will start reimbursing.

For this situation we find many people choose the Level 1 inpatient plan. You can self-insure (pay yourself) for any outpatient treatment and end up paying very little for insurance.  This means you’d be covered for big expenses yet not financially ruined if something bad happens. Don’t forget that Level 1 cover includes $2000 of post-hospital outpatient treatment. You could also choose Level 2 or Level 3 with a large deductible. The money you save in years where you don’t need to claim more than offsets the higher deductibles on the rare occasion you are hospitalized.

Coinsurance is the percentage amount you must pay for a benefit in addition to any deductible you choose. In our policies co-insurance only applies if you visit a US hospital not in the PPO network, and fail to pre-certify the claim.

This is a dental problem caused by an injury or accident to the face, teeth or gums. The benefit is $1000 for Level 2 and Full Cover for Level 3. The limit only applies to outpatient dental procedures.

Our underwriters won’t enrol you if you have unacceptable pre-existing conditions. If you’re accepted, then after 2 years we will pay up to $50,000 lifetime to a maximum of $5,000 per year to treat these conditions. Our underwriters accept 95% of all applications. If we can’t offer you cover with IMG then we can offer other policies with a different method of underwriting. They will exclude your condition but cover you for everything else, or load the premium rather than reject you entirely. We can almost always find a provider.

No restrictions are made outside the USA. In the US, IMG has a preferred provider network of 4700 hospitals. If you attend one of these facilities and pre-authorize your claim, your deductible will be reduced by half. If you do not pre-authorize and attend a PPO facility in the USA, your benefit may be reduced by 50%. If you wish to find a hospital, clinic, or doctor in the USA near you, please search our Preferred Provider network list on-line: Search List

We don’t have an approved hospital list except in the USA. All health insurance policies however, have the phrase “usual, reasonable and customary costs” (URC) in their policy wordings.  They will not pay more than URC for treatment in the country where you are located. If you go to a hospital that charges ten times the going rate, there will be a problem. It is very important to contact IMG Assistance, and cooperate with them so that there are no surprises later. You must contact IMG Assistance if you expect a medical bill to be more than US $500 and pre-authorize the claim or your benefit may be reduced by 50% no matter what country you are in.

No, if you call IMG Assistance and pre-authorize treatment as you are required to do, then IMG Assistance will make arrangements ahead of time to settle the hospital bill directly. In the event of an emergency, you are required to contact IMG Assistance within 48 hours. They will intervene with the hospital to advance funds and guarantee payment before you are discharged. The only thing we want you to worry about is getting better, not about money!

The optional Life Insurance Benefit is a 1-year term life insurance policy only available for all benefit levels. For adults the cost is $240 for the first unit, and $180 for the second unit per year. For children 18 & under, the cost is $100. You can buy a maximum of 2 units per person, except if you’re over 65 then you can only buy 1 unit.

It depends on your age and the benefits can be found in the table below:

Age Benefit/ unit Age Benefit / unit
31 days -18 $5000 50-54 $20,000
19-29 $75,000 55-59 $15,000
30-39 $50,000 60-64 $10,000
40-44 $35,000 65-69 $7,500
45-49 $25,000 70-74 n/a

 

  • This benefit pays double the above death benefit if you die accidentally.
  • This benefit pays equivalent to the death benefit if you lose 2 members.
  • This benefit pays 50% of the death benefit if you lose 1 member.
  • A member is defined as a hand, foot, or eye.

The Daily Hospital Indemnity Benefit is an extra add-on benefit that pays $100 cash for every night spent in a hospital. This would replace your income up to $3100 per month while you are hospitalized. It is available with all benefit levels. It costs $100 extra per year. This does not include time spent in the hospital for maternity.

The Hospital Cash Benefit is a standard Level 1 benefit paying $100 per night that you are hospitalized but only if the insurance policy is not paying anything for your hospital bills. Reading this you may think this doesn’t make sense! Many people are double insured and can have another policy pay the hospital bill. If you can arrange this, then you get $100 from us per night. Also, many people prefer to return to their home countries and can immediately be back on their National Medical Insurance programs. If you can do this, then you get $100 per night from us. If you have purchased the extra add-on Daily Hospital Indemnity benefit, then you can double dip and get $200 per night by claiming both benefits.


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