Additional Coverage Information

Global Medical InsuranceEligibility

This plan is available to individuals and families of all nationalities. U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least six of the next 12 months. Coverage for non-U.S. citizens is worldwide, although certain eligibility restrictions may apply.  Persons from the ages of 14 days to 74 years old may apply for coverage. Persons older than 75 years of age and older are not eligible and coverage ends at age 75.  Certain other restrictions may also apply.  Please ask your independent insurance agent or broker for further details.

For families, when both parents are covered under Global Medical Insurance, the first two eligible dependent children from the ages of 14 days to 9 years are covered at no additional cost*. Children under the age of 19 applying individually should use the male 19-24 age bracket when applying for coverage. Each person requesting coverage must complete the information required in the application.

 Renewal of Coverage

Subject to the terms of the plan, this plan is annually renewable and coverage is continuous when renewed. Prior to the end of each period of coverage (12 months) you will receive renewal information. You must continue to meet the eligibility requirements outlined above in order to renew.  You have the option to renew online or you may complete a paper application.  There are no additional medical questions at renewal, and we can work with you to provide flexible renewal options.  Please select your deductible and plan option carefully, as you will be unable to select a lower deductible or increase your plan option when you renew your coverage.

 Lifetime Coverage

Lifetime medical coverage is available if you are enrolled in the plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a summary of benefits of a new plan, Global Senior Plan®, and an enrollment form for coverage. There is no additional medical underwriting. You simply need to review the benefits, and complete and return the enrollment form with your premium.

 Quality Guarantee

We are confident that you will be pleased with the full terms of coverage.  To ensure your satisfaction, once you are accepted in the plan we provide a 15 day period to review the fulfillment kit contents.  If during that 15 day period you find that you are not satisfied with the plan for any reason, you may submit a written request for cancellation and full refund of your premium. See the Certificate of Insurance for full details.

Cancellation requests received after this 15 day period will be granted at the sole discretion of IMG as the plan administrator.  Any refund you may receive will be based on an established refund schedule, not a pro-rated basis.  See the Certificate of Insurance for full details.