Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

We’re committed to being there for our clients' customers wherever they may be in the world, delivering superior support and assistance in times of need.

Services to support travelers in need of medical attention or that have travel assistance needs before, during, and after their trip.

Case management services to manage highly complex workers’ comp cases that require detailed management by medical personnel extending beyond a hospitalization or out-patient procedure.

Real-time, worldwide security intelligence, advice, and other security services to help ravelers avoid danger.

Insurance Administrative Services to manage all things related to your health care plan needs from enrollment to claim reimbursement.

Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

International Health Insurance

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

Medical & Travel Assistance

Global Workers' Compensation Case Management

Security Assistance Services

Insurance Administrative Services

Marine Crew Insurance Plans

Health Insurance Options for Yacht Crews & Captains

A s a professional marine crew member, you know that finding adequate medical coverage can be a challenge. The unique demands of your profession often can prevent you from getting the inclusive international health care plan you need and deserve.

IMG understands your challenges and healthcare needs, at sea and in port. We're proud to provide comprehensive and portable marine crew insurance plans designed specifically for professional yacht and marine crew. The plans provide coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment around the world. 

We go a step further than your vessel's required Protection and Indemnity insurance by offering 24/7 emergency medical and travel assistance to crew members, exemplary claims handling and customer service, assistance finding treatment facilities and coordination of emergency medical evacuations. Explore IMG's medical insurance for crew members below.

Popular Plans For Marine Captains & Crews

Global Medical Insurance

Annually renewable worldwide medical insurance program for individuals and families

Highlights

Summary of Benefits

Subject to deductible and coinsurance unless otherwise noted

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

$500 maximum limit – specialists/physician charges (pre-inpatient / post-inpatient)

Subject to deductible and coinsurance

$300 maximum per visit – lab tests; $250 maximum per visit – diagnostic x-rays

25 combined maximum visits $70 per visit/examination – specialists/physician charges $50 per visit/examination – chiropractor charges (medical order or treatment plan required) $500 maximum limit – surgery intervention consultation charges

Subject to deductible and coinsurance

Subject to deductible and coinsurance.

$1,500 limit per day – 180 days of coverage per event

Subject to deductible and coinsurance.

$600 maximum per examination

Subject to deductible and coinsurance.

$600 maximum per examination

$2,500 additional deductible per pregnancy.

$50,000 lifetime maximum. $200 newborn preventative care benefit for the first 31 days – 12 months after birth.

$250,000 maximum for newborn care & congenital disorders for the first 31 days after birth

Subject to deductible and coinsurance.

$40 maximum per visit – 10 visit limit per event. Available for 90 days following inpatient treatment or outpatient surgery

Subject to deductible and coinsurance.

$40 maximum per visit – 30 visit limit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

$50 maximum per visit

Subject to deductible and coinsurance.

Available for 90 days following related inpatient treatment or outpatient surgery.

$600 outpatient maximum limit per event (includes dressings and durable medical equipment)

Subject to deductible and coinsurance.

90-day supply per prescription following related covered event.

U.S. Retail Pharmacy out-of-network: 80% International Retail Phamacy: 100%

Subject to deductible and coinsurance.

90-day supply per prescription.

U.S. Retail Pharmacy out-of-network: 80% International Retail Phamacy: 100%

U.S. Retail Pharmacy: prescription drug card required.

Copay per 30-day supply: $20 for generic/$40 for brand name where generic is not available.

International Retail Pharmacy (subject to deductible): 100%

Copay per 30-day supply: $20 for generic/$40 for non-preferred brand name. Must enroll via provider website: www.expatps.com

Dispensing maximum: 180 days

Inpatient Treatment maximum limit: $250,000.

Outpatient Surgery: up to the maximum limit.

Subject to deductible and coinsurance.

Does not apply to maximum limit per event

Outpatient and Emergency Department Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Inpatient & Outpatient Treatment maximum limit: $250,000.

Subject to deductible and coinsurance

Maximum limit $250,000.

U.S. Retail Pharmacy & expatriate prescription services program: Subject to copayments.

International retail pharmacy: Subject to deductible and coinsurance.

Inpatient/outpatient medical treatment: Subject to deductible and coinsurance

*Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Policy.

**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).

International Marine Medical Insurance

Worldwide group coverage for professional marine crew

Highlights

Medical Benefits Summary

The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments.

Refer to the MEDICAL CONCIERGE provision for further details.

Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs.

If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States.

Meal allowance maximum: $100

Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements.

*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.

**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.

Dental Benefits Summary

**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).

The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments.

Refer to the MEDICAL CONCIERGE provision for further details.

Universal RX (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States.

Retail Pharmacy Copayments:

Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs.

If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States.

Meal allowance maximum: $100

Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements.

*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.

**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.

Dental Benefits Summary

**If applicants can verify their prior health insurance, with no significant break in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any health plan established or maintained by a State or the U.S. government).

The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain outpatient treatments.

Refer to the MEDICAL CONCIERGE provision for further details.

Universal RX (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States.

Retail Pharmacy Copayments:

Coinsurance: 100%

Expatriate Prescription Services Program

Contact Information:

Prescription Submission:

Questions/Concerns:

Medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures; the Company will offer medical travel as a means to manage the costs.

If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States.

Meal allowance maximum: $100

Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements.

*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition, raised, or identified during a Remote Mental Health Service consultation where the illness or injury is directly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.

**Teleconsultations will not support a diagnosis for Mental or Nervous Disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised or identified during such Consultation is covered under this insurance. We reserve the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance.

Platinum Dental Benefits Summary

Cruise Line International Insurance

Worldwide group coverage for professional marine crew

Highlights

Medical Benefits Summary

The following is a schedule of benefits for CLI Group. The plan covers the Usual, Reasonable, and Customary (URC) charges for eligible expenses in the area where you receive treatment. All amounts shown are in U.S. dollars.

The Medical Concierge Service is a proprietary service of IMG that helps an insured person navigate the United States healthcare system to identify the highest quality providers for scheduled inpatient and certain outpatient treatments.

Refer to the MEDICAL CONCIERGE provision for further details.

Universal RX (URX) prescription drug card MUST be utilized for all outpatient prescription drugs in the United States.

Retail Pharmacy Copayments: Generic: $5 Higher cost generic and brand: $15 Non-preferred brand name: $30

Treatment received by the insured person at a public hospital and no charges are incurred by the insured person or the company will be subject to the public hospital maximum limit.

Treatment received by the insured person at a public hospital and charges are submitted to the company for reimbursement will be subject to the private hospital maximum limit.

Optional Group Dental Summary & Rates

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Frequently Asked Questions

With an international health plan from IMG, you have medical coverage worldwide. Our plans give you the freedom to choose your own health care provider wherever you are in the world.To view IMG's exclusive provider list, visit the Find A Doctor page in the myIMG member area.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

Disclaimer

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

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Account Executive / Group Development

International Medical Group®

2960 N. Meridian St.

Indianapolis, IN 46208 USA

Phone: +1.317.833.1807

Email: brandon.merideth@imglobal.com