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Key Features & Benefits

  IMG Global Medical First'Expat + Start'Expat
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Overall Maximum Limit$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 ServicesSilver plan: 25 visits with coverage limits for specific expenses. Other plans: reasonable and customary costsReasonable 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 EvacuationSilver plan: $50,000. Other plans: up to overall maximum limitReasonable and customary costsReasonable and customary costs
Prescription DrugsReasonable and customary costsReasonable and customary costs3,000€
Check-UpsSilver plan: not covered. Other plans: $250 to $500 per year, after a waiting period of 6-12 months (depending on plan)Quartz plan: not covered. Other plans: covered.Not covered
MaternitySilver and Gold plans: optional rider available for $50,000 of coverage, after a waiting period of 12 months. Platinum plan: $50,000 of coverage without additional riderOptional riderNot covered
DentalSilver plan: $1,000 for dental accident. Gold: reasonable and customary costs for dental accident, $100 for dental pain. Platinum plan: reasonable and customary costs for dental accident, coverage for non-emergency dental and dental pain, up to specific limitsOptional riderDental emergency only: 350€. Dentures and protheses related to an accident: 200€
Mental/Nervous ConditionsSilver and Gold plans: covered up to specific limits after 12 months. Platinum plan: covered the same as any illness after 12 monthsCovered up to specific limits after 12 monthsNot covered
Organ Transplants$250,000 to $2,000,000 (depending on plan)Reasonable and customary costsReasonable and customary costs if resulting from an accident or an unforeseen illness
VisionSilver and Gold plans: not covered. Platinum plan: $100 for exams and $150 for materials per 24 monthsOptional riderLenses and frames following an accident: 150€
Optional RidersGlobal Term Life, Accidental Death and Dismemberment, Global Daily Indemnity, Maternity, Terrorism (Platinum plan only), SportsVision/Dental, Maternity, Assistance/Repatriation, Legal Assistance/Third-Party LiabilityNone
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