IMG

Global Medical Bronze Insurance

It offers the most economical global coverage of all IMG plans for those seeking affordable benefits for inpatient care.

Global Medical Bronze Insurance Cost

Start Date
End Date
Global Medical Bronze
Insurance provider
International Medical Group
Plan life
Lifetime
Policy maximum?
$1,000,000 per individual
Deductible options?
$250 to $10,000 per period of coverage
Global Medical Bronze rating
AM Best Rating: "A" (Excellent)
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Global Medical Bronze underwriter

Global Medical Bronze Links

  • Brochure
  • Application
  • Benefits
  • Reviews
  • Advantages
  • Disadvantages
  • Fixed benefit plan
  • Claims
  • Renewal
  • Provider Network

International Medical group Global Medical Bronze plan summary

What is the eligibility to buy Global Medical Bronze Insurance?
Global Medical Bronze insurance eligibility
  • Individuals and families of any nationalty.
  • Applicant's age must be between 14 days to 74 years. Travelers aged 75 years and above are not eligible and the coverage will end at 75 years.
  • US citizens must reside abroad or must leave US on the effective date and plan to reside outside US for atleast six of the next twelve months.
  • Worldwide coverage for non US Citizens
  • For families when both the parents are covered under this plan, the coverage is free for children age 14 days to 19 years for the first year of coverage.
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Global Medical Bronze optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • Global term life insurance (including AD & D)
  • Dental or Vision rider

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Plan benefits of Global Medical Bronze insurance, Health insurance coverage international

Benefits Coverage
Deductible Carry Forward Included
Treatment Outside the U.S. 50% of deductible waived, up to a maximum of $2,500. No coinsurance
Treatment Inside the U.S. (using Medical Concierge) 50% of deductible waived, up to a maximum of $2,500. No coinsurance
Treatment Inside the U.S. (PPO Network) Subject to deductible. No coinsurance
Treatment Inside the U.S. (Non PPO Network) Subject to deductible. Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage
Hospitalization/room and board In U.S. – 100% of average semi-private room rate.
Outside of U.S. - 100% of private room rate (not to exceed 150% of semi-private room rate).
Intensive care 100%
Surgery 100%
Outpatient
Office visits and Diagnostic/X-Ray
Specialists/ consultants (pre-inpatient) - up to $500 prior to inpatient treatment; Specialists/consultants (post-inpatient) - up to $500 following outpatient surgery or inpatient treatment for 90 days after leaving hospital.
Lab tests - up to $300 per visit; Diagnostic X-Rays limited to $250 per visit. No family doctor coverage.
Chemotherapy or Radiation Therapy Subject to deductible. No coinsurance
Transplants $250,000 lifetime maximum
Emergency room illness (Additional $250 deductible if not admitted as an in patient) Covered only if admitted as Inpatient
Emergency room accident 100%
Local ambulance due to injury or illness resulting in hospitalization $1,500 maximum limit per event - not subject to deductible or coinsurance
Emergency evacuation Up to $50,000 maximum per period of coverage.
Not subject to deductible or coinsurance.
Emergency reunion $10,000 lifetime maximum
Return of mortal remains $100,000 maximum limit. Not subject to deductible
Rx coverage Inpatient: 100%.
Outpatient: Available for 90 days following related inpatient treatment or outpatient surgery. $600 outpatient maximum limit per inpatient event.
Physical therapy Inpatient: 100%
Outpatient: $40 maximum limit per visit, and 10 visit per event, available for 90 days following Inpatient Treatment or Outpatient Surgery.
Emergency dental due to accident $1,000 per period of coverage
Hospital indemnity (Outside the U.S. only) Private Hospitals: $400 per overnight and $4,000 maximum limit per period of coverage.
Public Hospitals: $500 per overnight and $5,000 maximum limit per period of coverage.
Pre-Existing Conditions Limitation Excluded

Covid 19 IMG travel insurance coverage for Coronavirus

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

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