Schedule of Benefits << Purchase Now >>

All amounts listed are in U.S. dollars. Click the gray titles to see further information.

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Coverage Area

Two options: worldwide or worldwide excluding the U.S. and Canada

Policy Maximum

$5,000,000 lifetime per individual

Hospitalization

URC

Semi-private room and board
Nursing services
Prescription medication
Physician charges
Diagnostic and laboratory testing
X-rays
Chemotherapy and radiation
Durable medical equipment
Treatment, services and supplies routinely provided

Intensive Care Unit

URC

Surgery

URC

Surgical care
Second surgical opinion
Anesthetics
Physician charges for surgery
Treatment, services and supplies routinely provided

Transplants

$1,000,000 lifetime

Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently contracted PPO network

Outpatient Care

URC

Emergency treatment of illness or injury
Surgery
Rehabilitative treatment
Treatment, services or supplies routinely provided
Prescription medication

Emergency

URC

Surgery or dental treatment following an accident
Emergency Room following an accident
Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.

Emergency Transportation by Ground Ambulance

URC

Emergency Medical Evacuation

Up to policy maximum - Not subject to deductible or coinsurance

Included is an Emergency Reunion benefit of $10,000 lifetime

Return of Mortal Remains

$25,000

Supplemental Accident

$300 per occurrence - Not subject to deductible or coinsurance

The first $300 will be covered for each accidental injury

Pre-existing Conditions

$5,000 per period of coverage up to $50,000 lifetime - Only available after 24 months of continuous coverage

Mental/Nervous Care

$10,000 per period of coverage up to $50,000 lifetime - Only available after 24 months of continuous coverage

Inpatient and outpatient care by a licensed psychiatrist

Wellness

$250 per period of coverage - Not subject to deductible or coinsurance

Females age 30 and over, only after 12 months of continuous coverage - Routine physicals, including:
dermatology screenings
Mammogram, gynecologist visit, etc. (exams must be separated by at least 12 months)

Males age 30 and over, only after 12 months of continuous coverage
Routine physicals, including dermatology screenings (exams must be separated by at least 12 months)

Dental Emergency

$100 per period of coverage

Necessary treatment of sudden, unexpected pain to sound natural teeth

Complementary Medicine

More Information

When referred by a physician
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage

Recreational Scuba

URC

Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body

Other

URC

Radiation treatment
Home nursing care
Hospice care
Physical therapy (maximum $50 per visit)
Prosthetic devices

Chiropractic Care

More Information

When referred by a physician - URC
With no physician referral - $25 per visit
Maximum of 20 visits per period of coverage
Not subject to deductible or coinsurance

Amateur Sailboat Racing Coverage

$50,000 lifetime up to $10,000 per period of coverage - Subject to period of coverage benefit deductible of $2,500

Please contact your insurance professional for benefit details

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.