A: IMG Europe offers a choice of excesses on GlobalSelect^®. A standard excess is the first amount of a claim payable by you before any benefits are paid under the plan. There is only one excess per medical condition per period of insurance.

The Schedule of Cover and Excesses identifies the Standard Excess that applies to your chosen GlobalSelect sub-plan. There is also a range of optional voluntary medical excesses available to you and your family:

• On the Standard and Executive sub-plans, for a small increase in premium you may choose to reduce your excess from that of the standard excess.
• Alternatively, you may choose to increase the excess above that of the standard excess and this will result in a reduction in your standard premium of up to 45% depending upon the increased excess you select.

> Click here to read the full GlobalSelect Schedule of Excesses.