Overview
IMG (International Medical Group) has protected over 1.5 million members across 190+ countries since 1990. As a specialist in expatriate and international health insurance, IMG combines comprehensive global coverage with local expertise through offices in London, Singapore, Dubai, and Indianapolis. Their plans feature direct billing agreements with 17,000+ healthcare providers worldwide, enabling cashless treatment at premier hospitals internationally.
IMG offers flexible coverage that adapts to diverse needs – from long-term expatriates and families to missionaries, NGO workers, and short-term contractors. Coverage areas range from worldwide to region-specific, with annual maximums from $1 million to $8 million and deductible options from $0 to $25,000.
Your guide to IMGlobal
Brochures
Key benefits & coverage
Core medical coverage
Comprehensive inpatient and outpatient benefits including hospitalization (private room, ICU, surgery at 100% after deductible), emergency services, prescription drugs, and mental health support. Pre-existing conditions are covered after waiting periods, with immediate coverage available with proof of prior continuous insurance.
Additional protection
Medical evacuation coverage up to $1 million, repatriation services, unlimited telemedicine consultations via IMG’s digital platform, and annual wellness screenings. Optional riders available for maternity, dental, vision, and adventure sports coverage. Compare plan options →
Digital services
The MyIMG member portal and mobile app provide instant provider search, online claim submission and tracking, digital ID cards, and 24/7 multilingual support in 8 languages. Direct billing eliminates upfront payments at network providers. Download/Signup for IMG →
Plans & pricing
Global Medical Insurance – Designed for long-term expatriates and families requiring comprehensive annual coverage with preventive care and wellness benefits included.
Global Mission Medical Insurance – Specialized coverage for missionaries and NGO workers in remote locations, including security evacuation and crisis response services.
Patriot Travel Series – Ideal for assignments lasting 3-12 months, with immediate coverage available and COVID-19 protection included.
IMG offers age-banded pricing with family discounts, no-claims bonuses up to 10%, and group discounts starting from 3+ members. Get a quote →
Important information
Waiting Periods: Maternity coverage (10-12 months), major dental work (6 months), pre-existing conditions (12-24 months, varies by plan). Full policy terms →
Service Standards: Claims processed within 5-7 business days, pre-authorization responses within 48 hours, 94% customer retention rate, and 98.5% claims settlement ratio.
Regulatory: IMG is rated A (Excellent) by AM Best and is authorized and regulated by insurance authorities in multiple jurisdictions.
Additional Resources
Reviews
Customer reviews
⭐⭐⭐⭐⭐ 4.6/5 based on 16,783+ reviews (Trustpilot)