Worldwide coverage including/excluding USA & Canada
Long Term Comprehensive plans for Individuals & Families :
Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With popular plans like
Global medical insurance
(GMI) and Meridian Basic & Enhanced plans, a revolutionary program from Community Insurance agency, Inc (CIA) you will receive the worldwide medical coverage you need, backed by the world-class services you expect.
With CIA, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. As part of that commitment, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses.
IMG insurance
plans also offer a cash incentive and to waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S. You need the proper worldwide coverage, provided by a company that’s there for you when you need us most.
Who the plans is designed for?
Coverage for individuals or families living or working abroad
Contract employees living and working abroad
Seniors with dual residencies six months or longer outside the U.S
Policy Maximums: $1 Million, $5 Million, $8 Million
Deductible Options are available from $250 to $10,000
50% of deductible waived if treatment inside the US using Medical Concierge
Plan pays 100% of eligible medical expenses In PPO
Platinum plan covers Maternity after 10 months of waiting period
Optionary Riders including (Dental & Vision, Global Term Life, Accidential Death and Dismemberment, Terrorism, and Sports)
*** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***
Administrator :
BCBS (USA) & GeoBlue (outside USA)
Carrier/Underwriter :
4 Ever Life International Limited
Coverage of COVID-19 testing and treatment, at no additional cost
Unlimited lifetime max on medical
100% coverage abroad
Xplorer Premier plan includes U.S. coverage, Xplorer Essential does not include U.S. coverage , Xplorer Essential plan may include optional basic U.S. benefits upgrade that covers accidents and illnesses inside the U.S. for up to 3 visits per year, up to 21 days per visit
Unlimited annual and lifetime medical maximum.
Deductible waived for office visits with doctors
No waiting period or sublimit for preventive services.
