| IMG Global Medical | Start'Expat | LivExpat | |
|---|---|---|---|
| Overall Maximum Limit | $1,000,000; $5,000,000 or $8,000,000 USD | 250,000€ | $1,000,000 - $5,000,000 |
| Eligible Countries of Citizenship | Any country | Any country | Worldwide * subject to certain exclusions at time of application |
| Covered Areas | 1. Worldwide; 2. Worldwide excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan | 1. Worldwide; 2. Worldwide excluding the US | Worldwide * subject to certain exclusions at time of application |
| Duration Options | Annual | Monthly | 3 – 12 months |
| Emergency Medical | Reasonable and customary costs | Reasonable and customary costs | Included |
| Outpatient Services | Bronze 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 costs if resulting from an accident or an unforeseen illness | Included anywhere from 80%-100% |
| Local Ambulance | $1,500; or reasonable and customary costs (depending on plan) | Reasonable and customary costs | Included anywhere from 80%-100% |
| Hospital Accommodation | Reasonable and customary costs (semi-private or private room, depending on plan) | Reasonable and customary costs | Included anywhere from 80%-100% |
| Emergency Evacuation | Bronze and Silver: $50,000 maximum Gold & Platinum: up to lifetime maximum limit |
Reasonable and customary costs | Can be added to a maximum of $100,000 |
| Prescription Drugs | Bronze: $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 |
3,000€ | Included anywhere from 80%-100% |
| Check-Ups | Adult 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 |
Not covered | Included anywhere from 80%-100% |
| Maternity | Platinum: 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 pregnancy | Not covered | Included anywhere from 80%-100% |
| Dental | Dental 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 |
Dental emergency only: 350€. Dentures and protheses related to an accident: 200€ | Emergency dental included, full dental can be added as an option |
| Mental/Nervous Conditions | Silver: 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 |
Not covered | Included anywhere from 80%-100% |
| Organ Transplants | Bronze & Silver: $250,000 Gold: $1,000,000 Platinum: $2,000,000 |
Reasonable and customary costs if resulting from an accident or an unforeseen illness | Included anywhere from 80%-100% |
| Vision | Platinum only: $100 for exams & $150 for materials in a 24-month period | Lenses and frames following an accident: 150€ | Included anywhere from 80%-100% |
| Optional Riders | Global Term Life Insurance, Accidental Death & Dismemberment (AD&D), Terrorism (Platinum only), Sports (Gold & Platinum only), Dental & Vision (Bronze, Silver & Gold) | None | Dental, Life, AD&D, Disability, EAP, Assistance & Evacuation |
|
|
