Description of Services

Global Medical InsuranceThe following is a partial list of services offered on the Silver, Gold, Gold Plus and Platinum plan options.

Locating a Provider

Whenever or wherever you travel within the U.S., it’s comforting to know that the extensive Preferred Provider Organization (PPO) Network is there to serve you. The independent PPO includes hundreds of thousands of established, highly qualified physicians and facilities, including some of the most well-recognized university medical centers and transplant facilities in the U.S.

Of course, you have the freedom to choose any physician or health care facility you wish. However, choosing a provider in the PPO network can significantly reduce your out-of-pocket expenses.

Additionally, if you are seeking treatment outside the U.S., we provide you access to our International Provider AccessSM (IPA), a database that includes more than 17,000 highly qualified physicians and facilities that encompass a comprehensive array of specialties to handle any health care emergency. Our direct billing arrangements can also ease the time and upfront expense at select providers.

You can instantly access a list of providers and facilities within the PPO and IPA network online The directories allow you to search by physician or facility name, specialty, or location.

Medical Concierge

As quality of care is a primary concern, we have designed a specialized Medical Concierge service. In the event that you are in need of a non-emergency medical procedure, this service will help you decide on a facility that provides the quality care you need in the most cost-effective setting. The procedure can be in or out-patient, and as simple as a MRI or as complex as a transplant. You will receive easy-to-understand information relative to the costs of the procedure at competing facilities. Armed with these facts, you can make informed decisions as to where to have procedures performed, which will effectively reduce your health care costs. This includes exploring worldwide options for care.

To take advantage of this service, just notify the Medical Concierge that a procedure is necessary. The Medical Concierge will then go to work for you, providing you with the facilities that have the highest quality rating and can provide the service in the most cost-effective manner. Additionally, you will receive verification of physician admitting privileges, verification of PPO participation, educational material concerning your procedure, assistance with scheduling appointments and more.

 Emergency Medical Evacuation

This program includes an Emergency Medical Evacuation benefit. This coverage is available when there is not a qualified facility in the immediate area to treat your life-threatening illness or injury.

The program covers Emergency Medical Evacuation to the nearest qualified medical facility or to the nearest qualified medical facility in the insured’s home country provided that any additional travel time to the insured’s home country will not cause detriment to his/her health as determined by the treating physician.

Emergency Medical Evacuation benefits under the program provide access to care when you or your family need it most. During the emergency, IMG will coordinate evacuation to a qualified facility equipped to handle your illness or injury. A team of independent pilots and medical professionals will transport you and a family member (if there is room available), while arrangements for your arrival are being made with the receiving hospital. Once at the receiving hospital, IMG will continue to monitor your treatment and communicate with the physicians and your family members.

To be eligible, the evacuation must be recommended by the attending physician in life-threatening situations, and approved in advance and coordinated by IMG. IMG is available 24 hours a day, 7 days a week to arrange emergency medical evacuations.


To help enhance your global experience, we provide you with an assortment of interactive services through a secure, user-friendly Web site. Service at your fingertips anytime, anywhere – that’s what MyIMGSM provides. MyIMG is our proprietary online service that allows you to access information and manage accounts, 24 hours a day, seven days a week, from anywhere in the world.

Our service centers are always available to help or handle emergencies 24 hours a day, but through MyIMG you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Quickly and easily locate providers, retrieve explanation of benefits, check the status of claims, request ID cards, obtain certificate documents, initiate precertification and more.