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International Medical Group (IMG) Health Insurance

International Medical Group's (IMG) GlobalFusion is a flexible, long-term, annually renewable, international medical insurance plan designed for people living or working abroad. It is versatile and can be tailored by you from a wide range of flexible options so you can easily design the coverage package that you need.

The policy range plan is available worldwide and features comprehensive international coverages suitable for individuals and families, fully portable 24 hour cover.

Key Facts
  • Founded: 1990
  • HQ: USA
  • Support: UK & US
Eligibility
  • Min Entry Age: 0
  • Maximum Entry Age: 74
  • Policy Holder: Expatriate
Highlights
  • Free first year cover for 2 children under age of 10
  • Moratorium or Fully underwritten
  • Online Application and Renewal
  • Can cover some pre-existing conditions
IMG Europe GlobalFusion™ Plan Options

GlobalFusion™ is designed to meet your total needs by allowing you to tailor the coverage package that you need. Shape the cover you want by adding options to your sub-product.

USA Cover
Additional Outpatient
Dental & Vision
Global Daily Indemnity
Global Personal Accident
Terrorism
Sports (non-professional)

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IMG Europe GlobalFusion™ Member Services

Access a wide range of world-class services from IMG.

All GlobalFusion™ members receive access to a wide range of services including: global provider network access, in-house medical teams and access to IMG's unique Medical Concierge Program

IMG Europe GlobalFusion™ Sub Products

GlobalFusion™ provides the choice to select from: Bronze, Silver, Gold, Gold Plus and Platinum coverage options to accommodate a wide range of budgets and profiles. In addition, you can customise the length and area of cover with the choice to select from multiple annual excesses and premium payment instalment options. Flexible underwriting options are also available to help extend cover to people with more complex medical histories.

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Compare IMG Europe GlobalFusion™ Sub Products

Compare Plans

Bronze Silver Gold Gold Plus Platinum
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Deductibles
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Maximum Benefit

$2.5 million

$5 million

$5 million

$5 million

$8 million

USA Elective Treatment

In-Patient

Bronze

Silver

Gold

Gold Plus

Platinum

Hospital Accommodation

Private

Private $600 per day (240 days max)

Private

Private

Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant

$250,000

$250,000

$1,000,000 (lifetime limit)

$1,000,000 (lifetime limit)

$2,000,000 (lifetime limit)

Physiotherapy
Rehabilitation

90 days

90 days

180 days

Hospice

180 days

180 days

180 days

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.

$1,500 per event

$1,500 per event

Oncology

Out-Patient

Bronze

Silver

Gold

Gold Plus

Platinum

Out-Patient Surgery
Medical Practitioner Fees

25 visits (various limits)

Specialist Fees

$500 (prior to admission) then $500

25 visits (various limits)

Prescription Drugs

$600 (post IP / OP)

Diagnostic Tests

25 visits (various limits)

Diagnostic Scans

$600 per exam

$600 per exam

Home Nursing Care

$150 per visit (max 30 days)

$150 per visit (max 30 days)

$150 per visit (max 45 days)

$150 per visit (max 30 days)

$150 per visit (max 60 days)

Prosthetic Devices
Chiropractic

$40 per visit (max 10 visits, post IP only)

$40 per visit (max 30 visits)

$50 per visit (max 45 visits)

$50 per visit (max 45 visits)

$50 per visit (max 60 visits)

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.

$5,000 per year ($50,000 lifetime limit)

$5,000 per year ($50,000 lifetime limit)

$5,000 per year ($50,000 lifetime limit)

Physiotherapy

$40 per visit (max 10 visits, post IP only)

$40 per visit (max 30 visits)

$50 per visit (max 45 visits)

$50 per visit (max 45 visits)

$50 per visit (max 60 visits)

Oncology

$40 per visit (max 45 visits)

$40 per visit (max 45 visits)

$50 per visit (max 45 visits)

$50 per visit (max 45 visits)

$50 per visit (max 45 visits)

Alternative Therapies

$40 per visit (max 45 visits)

$40 per visit (max 45 visits)

$50 per visit (max 45 visits)

$50 per visit (max 45 visits)

$50 per visit (max 45 visits)

Maternity

Bronze

Silver

Gold

Gold Plus

Platinum

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.



$5,000 (wait 12 months, $50,000 lifetime max)



$5,000 (wait 12 months, $50,000 lifetime max)



$5,000 (wait 12 months, $50,000 lifetime max)



$5,000 (wait 12 months, $50,000 lifetime max)

(wait 12 months, $50,000 lifetime limit)

Newborn Care

$200 (wait 12 months)

$250,000 (wait 12 months)

$250,000 (wait 12 months)

$250,000 (wait 12 months)

$250,000 (wait 12 months)

Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$250,000 (first 31 days)

$250,000 (first 31 days)

$250,000 (first 31 days)

$250,000 (first 31 days)

$250,000 (first 31 days)

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

$7,500 ($50,000 lifetime max)

$7,500 ($50,000 lifetime max)

$7,500 ($50,000 lifetime max)

$7,500 ($50,000 lifetime max)

$50,000 lifetime limit

Dental

Bronze

Silver

Gold

Gold Plus

Platinum

Emergency In-Patient

$1,000

$1,000

Emergency Out-Patient



$750 (wait 6 months)



$750 (wait 6 months)



$750 (wait 6 months)



$750 (wait 6 months)

$750 (wait 6 months)

Routine



70% ($50 deductible, wait 6months)



70% ($50 deductible, wait 6months)



70% ($50 deductible, wait 6months)



70% ($50 deductible, wait 6months)

70% ($50 deductible, wait 6months)

Complex



50% ($50 annual deductible, wait 6months)



50% ($50 annual deductible, wait 6months)



50% ($50 annual deductible, wait 6months)



50% ($50 annual deductible, wait 6months)

50% ($50 annual deductible, wait 6months)

Orthodontic



50%



50%



50%



50%

50%

Well-Being

Bronze

Silver

Gold

Gold Plus

Platinum

Routine Health Check

$250 (age 30+)

$250 (age 30+)

$500 (age 30+)

Vaccinations

$250 (age 30+)

$250 (age 30+)

$500 (age 30+)

Psychiatric

Bronze

Silver

Gold

Gold Plus

Platinum

In-Patient Treatment

$10,000 ($50,000 lifetime limit)

$10,000 ($50,000 lifetime limit)

$50,000 (wait 12 months)

Out-Patient Treatment

$60 per visit (wait 12 months, max 25 visits)

$10,000 ($50,000 lifetime limit)

$10,000 ($50,000 lifetime limit)

$50,000 (wait 12 months)

Evacuation

Bronze

Silver

Gold

Gold Plus

Platinum

Medical Evacuation

$50,000

$50,000

Medical Repatriation
Repat' of mortal remains

$10,000

$25,000

$25,000

$25,000

$50,000

Compassionate visit
Companion expenses

$10,000

$10,000

$10,000

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Bronze

Silver

Gold

Gold Plus

Platinum

Eye tests & consultations



$100



$200



$100



$100

$100

Glasses & contacts



$150



$150



$150



$150

$150

Chronic Conditions

Bronze

Silver

Gold

Gold Plus

Platinum

Monitoring & maintenance

(newly diagnosed)

(newly diagnosed)

(newly diagnosed)

(newly diagnosed)

(newly diagnosed)

Stabilisation of chronic episode

(newly diagnosed)

(newly diagnosed)

(newly diagnosed)

(newly diagnosed)

(newly diagnosed)

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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating