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IMG

International Medical Group (IMG) was established in Indianapolis, Indiana USA in 1990.

In 2015 IMG signed a definitive agreement to be acquired by ABRY Partners (ABRY), a leading private equity firm headquartered in Boston, Massachusetts. ABRY will acquire IMG from its current private equity owner, Altaris Capital Partners. ABRY is expected to further fund the expansion of IMG overseas.. expansion which first began in 2002 when IMG Europe Ltd was set up near London, UK!

In 2008, IMG reached a marketing agreement for the sale of its products in:

  • the U.A.E. with Al Wathba National Insurance Company, and
  • China with Ping An P&C Insurance Company of China.

In 2009, IMG reached a similar agreement with AAA Assurance Corporation of Vietnam to distribute certain IMG products to citizens of Vietnam.

Elsewhere in the world, IMG acts as a managing agent for Sirius International Insurance Corporation, based in Stockholm Sweden. In 2015 Sirius announced its sale to CM international Holding PTE Ltd, the Singapore based investment arm or China Minsheng Investment Corp. Ltd. The sale is expected to close early in 2016.

The hallmark of IMG products is their low cost and the fact they do not discriminate against local people.. i.e the typical IMG plan is not just for expatriates.

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Individual Cover

"Global Medical Insurance"

A key point to note with the pricing of this product is that the renewal rate are not the rates for new business

Flexible, long-term, annually renewable, worldwide medical insurance program for:

  • U.S. citizens living or working abroad and
  • for non-U.S. nationals worldwide.

Highlights

  • Flexible, comprehensive medical coverage Coverage for individuals and families
  • Four unique plan designs - Silver, Gold, Gold Plus and Platinum
  • Optional riders: Global Term Life Insurance, Global Daily Indemnity, Maternity, Terrorism,
  • Sports Choose your area of coverage (worldwide or worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan) Select from multiple deductible options
  • Family premium covers first two children between 14 days and 9 years at no additional cost for the first year
  • Choose from several payment modes
  • Multiple underwriting options to fit your needs
  • Freedom to choose your provider
  • Access to two extensive provider networks
  • Emergency Medical Evacuation and other evacuation benefits
  • Medical Concierge Program Medical professionals to coordinate your care 24 hour access to information
  • Coverage for:
    • individuals or families living or working abroad
    • Contract employees living and working abroad
    • Seniors with dual residencies six months or longer outside the U.S.

Student Health Advantage

Highlights

  • Standard and Platinum level benefits available
  • Long-term medical coverage
  • Coverage for individuals and groups and their dependents
  • Coverage can be extended up to 12 months from the initial effective date if a minimum of three months is purchased
  • Freedom to seek treatment with the hospital or doctor of your choice
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Student Health Center $5 co-pay per visit
  • Universal Rx pharmacy discount savings
  • Meets student visa requirements
  • Maternity coverage (on Platinum Plan Option only)
  • Mental health coverage
  • Organized sports coverage
  • International emergency care
  • Pre-existing coverage after 6 months with the Platinum option or 12 months with the Standard option

Who is this plan designed for?

  • Individual and groups of students participating in international programs
  • Cultural exchange participants
  • Graduate international students
  • Scholars and educators

Patriot Exchange Program

Highlights

  • Coverage for students, groups, and/or their spouses and unmarried dependent children traveling with them
  • Group plan posible with five or more insureds.
  • Plan maximums limits up to $500,000 per injury or illness, Lifetime Maximum $5,000,000
  • Plans are renewable up to 48 months if minimum of one month is purchased
  • Groups may purchase customizable annually renewable long term plans
  • Freedom to seek treatment with hospital or doctor of your choice
  • Universal Rx pharmacy discount savings
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Student Health Center $5 co-pay per visit
  • No coinsurance
  • Optional Add-On coverage available for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance

Who is this plan designed for?

  • Individuals and groups participating in student international programs
  • Cultural exchange participants
  • International graduate students
  • Scholars and educators
  • Dependents

MEDICAL INSURANCE

GlobalSelect Individual Medical Cover

Designed to give you the choice and flexibility to help meet your private medical insurance needs, wherever you choose to be covered in the world. Choose from an extensive range of cover options.

Highlights

  • Free cover for the first year for child under 10 years of age (then 50% discount off published rates in year 2) - discount offers valid even if only one parent applies
  • Highly competitive choice of four sub-plans with many unique features and benefits Choice of GBP, Euro and USD currencies for payment and nine medical excesses
  • Cover for virtually any nationality, living or working anywhere in the world (in most cases Home Country is included)
  • Plans fully portable within area of cover, plus freedom to choose any hospital, clinic or doctor anywhere within your chosen geographical area of cover
  • Allows you a choice of either a Full Medical Underwriting Policy or Moratorium Underwriting Policy
  • Optional 'add on' covers available with any sub-plan include: a choice of
    • Essential or Premier Maternity Coverage,
    • Personal Accident Plan and/or Daily Indemnity Hospital Income Plan
  • 'Switch Terms' available to assist transfer from other provider's plans
  • Eligible charges for in-patient treatment will be paid direct to the hospital or provider in most cases
  • Affordable pricing with easy payment installment options 24 Hour Emergency Medical Helpline - helping you with medical emergencies and evacuations worldwide

GlobalFusion International Medical Cover

Highlights

  • Flexible, comprehensive medical cover Cover for individuals, families and groups
  • Five unique sub-plan designs - Bronze, Silver, Gold, Gold Plus and Platinum
  • Optional add-on coverages: Dental & Vision Care, Maternity, Global Personal Accident Plan, Global Daily Indemnity, Terrorism, Sports
  • Choose your area of coverage (Europe, worldwide or worldwide excluding the USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan)
  • Family premium covers first two children aged between 14 days and under 10 years at no additional cost for the first year
  • Choice of premium instalment payment/currency options Multiple underwriting options to fit your needs
  • Freedom to choose your provider Access to two extensive provider networks
  • Emergency Medical Evacuation and other evacuation benefits Medical Concierge Program within the USA Medical professionals to coordinate your care
  • add travel 24 hour access to information

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TRAVEL INSURANCE

GlobeHopper Individual Short Trip Travel Cover

Highlights

  • Available in $USD, £GBP, and €Euro
  • Five differing plan limit maximum options
  • Six levels of excess, ranging from a nil excess up to $2,500, £1,600, or €2,000
  • Up to six sections of optional additional cover A
  • vailable in daily and monthly rates
  • No age limit (coverage reductions apply at age 70+)
  • Available to purchase before or after departure
  • Renewable up to 24 months if one month or more are purchased
  • Freedom to seek treatment with hospital or doctor of your choice
  • 24 hour secure access from anywhere in the world to manage your account at any time

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GlobeHopper Platinum Travel Cover

Highlights

  • Available in $USD, £GBP, and €Euro
  • Three differing plan limit maximum options
  • Available in monthly and daily rates
  • Renewable up to 36 months if one month is initially purchased
  • Access to Global Concierge & Assistance Services - extended services handled by a dedicated service team
  • Access to board-certified physicians, licensed psychologists, pharmacist, dentists, dieticians and trainers to assist you with any routine health related questions you have
  • Freedom to seek treatment with hospital or doctor of your choice
  • Six sections of optional additional cover
  • 12 month benefit period
  • 24 hour secure access from anywhere in the world to manage your account at any time

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GlobeHopper Multi-trip Travel Cover

Highlights

  • Coverage for frequent travellers, their spouses and/or children travelling for a period of 12 months
  • Available in $USD, £GBP, and €Euro
  • Maximum Limit $1,000,000, £600,000 , €800,000
  • Individual excess - $250 / £150 / €200 per each covered illness
  • Annual premium
  • Two Sections of Optional Additional Cover Available
  • Freedom to seek treatment with the hospital or doctor of your choice
  • Multiple trip coverage throughout the year - choice of 30 days or 45 days in length
  • Universal Rx pharmacy discount savings
  • 24 hour secure access from anywhere in the world to manage your account at any time

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