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Key Features & Benefits

  IMG Global Medical First'Expat + Start'Expat
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Overall Maximum Limit$1,000,000; $5,000,000 or $8,000,000 USD$500,000, $1,000,000, $2,000,000, or $3,000,000250,000€
Eligible Countries of CitizenshipAny countryAny countryAny country
Covered Areas1. Worldwide; 2. Worldwide excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and TaiwanWorldwide1. Worldwide; 2. Worldwide excluding the US
Duration OptionsAnnualAnnualMonthly
Emergency MedicalReasonable and customary costsReasonable and customary costsReasonable and customary costs
Outpatient ServicesBronze 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 costsReasonable 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 costsReasonable and customary costs
Hospital AccommodationReasonable 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 EvacuationBronze and Silver: $50,000 maximum
Gold & Platinum: up to lifetime maximum limit
Reasonable and customary costsReasonable and customary costs
Prescription DrugsBronze: $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 costs3,000€
Check-UpsAdult 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
MaternityPlatinum: 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 pregnancyOptional riderNot covered
DentalDental 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 riderDental emergency only: 350€. Dentures and protheses related to an accident: 200€
Mental/Nervous ConditionsSilver: 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 monthsNot covered
Organ TransplantsBronze & Silver: $250,000
Gold: $1,000,000
Platinum: $2,000,000
Reasonable and customary costsReasonable and customary costs if resulting from an accident or an unforeseen illness
VisionPlatinum only: $100 for exams & $150 for materials in a 24-month periodOptional riderLenses and frames following an accident: 150€
Optional RidersGlobal 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 LiabilityNone
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