Medical Insurance Coverage

Medical Insurance Coverage

Medical Coverage - Schedule of BenefitsUSD
Lifetime Maximum5.000.000 (no separate per Illness/Injury limit)
Coinsurance PercentagesPlan pays 100% of eligible charges
Outpatient copayment0
Hospital Services 
Inpatient Room & Board100% (URC)1
Intensive Care100% (URC)1
Emergency Room Deductible (USA only)
  • For Injury: $0
  • For Illness resulting in direct hospitalization: $0
  • For Illness which does not result in direct hospitalization: $250
Outpatient Services 
Physical Therapy1 visit per day to a maximum of USD 2,500 / EUR 1.750 per Period of Insurance
Physician Visit100% (URC)1
Prescription Drugs100% (URC)1
Other Services 
Eligible Medical Expenses100% (URC)1
Durable Medical Equipment100% (URC)1
Local Ambulance
  • Per Injury: 100% (URC)1
  • Per Illness (only if admitted Inpatient): 100% (URC)1
Dental Sudden & Unexpected Pain: USD 200 / EUR 140 per Occurrence (limited to 3 x per Period of Insurance)

Accident exclusively involving dental treatment: USD 500 / EUR 350 per Period of Insurance

Major medical injury that also affects teeth: Medical benefits up to the Policy Limit
Emergency Medical EvacuationUp to Maximum Limit
Emergency ReunionUSD 15,000 / EUR 10.500 lifetime maximum benefit
Urgent Travel Expense
(Compassionate Home Visit)
Up to USD 1,000 / EUR 700 payable for transportation to Home Country in the event of death of a close Family Member
Return of Mortal RemainsUp to USD 25,000 / EUR 17.500
Sports Coverage100% (URC)1 for eligible expenses incurred while participating in organized interscholastic or
club sporting activities (non professional) (refer to insurance conditions for exclusions)
Accidental Death & DismembermentUp to USD 25,000 / EUR 17.500

1 URC = Usual, Reasonable and Customary charges: The amount that will be covered for a particular procedure through this plan is defined through the fee charged for a certain specified procedure by a particular type of health care provider practicing within a specified geographic area.

GBP 1,5 - per travel day. Please note that we charge an additional GBP 5 service fee.

Note: A discount will be offered to applicants who apply for any of the Global Choices working holiday, internship, teaching abroad, or volunteering programmes.

Please contact us if you have questions or would like to make payment for your insurance over the phone.

The list of Cover and Benefits forms part of the Policy Conditions where the complete terms for the insurance policy are stated.

For a detailed representation, including all restrictions and exemptions from coverage, please read the detailed insurance terms and conditions.

How to file Health and Accident Insurance Claims

When receiving treatment from a PPO provider, please follow these instructions:

  • Prior to treatment always call the Service Center for pre-certification
  • Present your Insurance ID-card to the provider
  • Request that the provider will send the bill directly to IMG.
  • The submitted bills will be re-priced through the PPO to the negotiated rate.


If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 180 days.

Please mail completed claim forms to:

International Medical Group
P.O. Box 88500 Indianapolis, IN 46208-0500
IMG Europe Ltd./Claims Dept.
36-38 Church Road
Burgess Hill, West Sussex
RH15 9AE, United Kingdom

Fax: 1.317.655.4505

Global Choices. Contact information

Global Choices, 146 Omega Works, 4 Roach Road, London E3 2GY, United Kingdom
Tel: (+ 44) 208 533 2777 (UK)
Tel.: (+1) 646 929 4656 (USA)
Fax: (+ 44) 870 330 5955

Online near you: Follow Global Choices UK on twitter Global Choices Facebook page

We are glad to be affiliated and associated with the following organisations:
Find out more about Global Choices affiliations