Medical Insurance Coverage
|Medical Coverage - Schedule of Benefits||USD|
|Lifetime Maximum||5.000.000 (no separate per Illness/Injury limit)|
|Coinsurance Percentages||Plan pays 100% of eligible charges|
|Inpatient Room & Board||100% (URC)1|
|Intensive Care||100% (URC)1|
|Emergency Room Deductible (USA only)||
|Physical Therapy||1 visit per day to a maximum of USD 2,500 / EUR 1.750 per Period of Insurance|
|Physician Visit||100% (URC)1|
|Prescription Drugs||100% (URC)1|
|Eligible Medical Expenses||100% (URC)1|
|Durable Medical Equipment||100% (URC)1|
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 Evacuation||Up to Maximum Limit|
|Emergency Reunion||USD 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 Remains||Up to USD 25,000 / EUR 17.500|
|Sports Coverage||100% (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 & Dismemberment||Up 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
USA or IMG Europe Ltd./Claims Dept.
36-38 Church Road
Burgess Hill, West Sussex
RH15 9AE, United Kingdom