Optional Riders

Global Medical InsuranceGlobal Medical Insurance is designed to protect individuals and families from the high cost of medical expenses. In addition to tailored benefits packages, the program offers several optional coverages. You may review and choose any from the following list that meet your needs.




Global Term Life Insurance (Including AD&D)

Provides protection for families following a traumatic loss.  Includes Accidental Death and Dismemberment (AD&D) coverage at no additional cost. AD&D is paid in addition to any amount paid by Global Term Life Insurance and can double the amount of the benefit.

Those approved for the plan and under age 70 are automatically eligible for Global Term Life Insurance at the time of application. Global Term Life Insurance is an optional program purchased in units. The number of units applicants may purchase is based upon their age at the time of application and each subsequent renewal. Applicants from age 31 days through 18 years and from 65 through age 69 are eligible for one unit of coverage. Applicants from age 19 through age 64 are eligible for two units of coverage.

Global Term Life Insurance
Age Principal Sum
(per unit)
31 days – 18 $5,000
19-29 $75,000
30-39 $50,000
40-44 $35,000
45-49 $25,000
50-54 $20,000
55-59 $15,000
60-64 $10,000
65-69 $7,500
Accidental Death & Dismemberment
Included with Global Term Life Insurance
Accidental Loss of Life Principal Sum*
Accidental Total Loss of 2 Members** Principal Sum*
Accidental Total Loss of 1 Member** 50% of Principal Sum*
*Benefit based on age at time of death.
** “Member” means hand, foot or eye.

 Global Daily Indemnity

Will pay the benefit amount directly to you for each required overnight stay in a hospital. The hospital stay must be eligible for coverage under your plan.  Hospital stays related to maternity are not eligible.

Age Principal Sum
31 days – 69 years
(only available between these ages – up to two units)
$100 per day

Optional Maternity Rider

Available on Silver, Gold, and Gold Plus Plans only

  • $50,000 lifetime maximum
  • Maximum of $5,000 for normal delivery for each pregnancy – not subject to deductible or coinsurance
  • Maximum of $7,500 for C-section delivery for each pregnancy – not subject to deductible or coinsurance
  • Newborn covered for the first 31 days only without additional premium
  • $200 child wellness benefit for the first 12 months
  • Newborn care and congenital disorders maximum of $250,000 for the first 31 days
  • Must be selected at time of initial purchase of plan
  • Benefits available after 10 months of continuous coverage
  • Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
  • Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage

Terrorism Rider

Available on the Platinum plan only

If an insured person is injured as a result of an act of Terrorism*, and the insured person has no direct or indirect participation in the act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum.

This benefit does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person’s arrival date, and the insured person unreasonably fails or refuses to depart the country or location.

* For limitations and the definition of Terrorism, please see the Certificate Wording.

Sports Rider

Available on the Platinum plan only

Provides up to $25,000 of lifetime coverage for adventure sports such as mountaineering, parachuting, and whitewater rafting (refer to Certificate Wording for a comprehensive list). Also provides up to $10,000 of lifetime coverage for amateur sports when not engaged for wage, reward, or profit including contact sports such as soccer and hockey.

* 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. These plans are amended, modified or replaced from time to time, and 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.