Expatriate Insurance, travel insurance, travel health insurance, international travel insurance – IMG Europe Insurance

GlobalSelect

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• What are the key benefits of choosing GlobalSelect?

  A: Key benefits include:

  • FREE cover for the first child under 10 years of age - even if only one parent applies
  • Flexibility and wide choice of four GlobalSelect sub-plans
  • Extensive range of covers
  • New and unique sections of cover
  • Very high limits of annual cover available
  • Choice of excesses
  • Choice of three geographic areas of cover
  • Freedom to choose any hospital, clinic, doctor available anywhere within your chosen geographic areas of cover
  • Your plan is fully portable within your geographic area of cover
  • Includes home country cover within your chosen geographic area of cover (subject to conditions regarding cover in the USA)
  • Ability to switch sub-plans at renewal (subject to terms)
  • Ability to buy optional additional covers including our Global Personal Accident Plan and Global Daily Indemnity Hospital Income Plan
  • Quick and easy to apply for cover, and in many cases it is easy to switch cover at renewal from your existing insurer to the GlobalSelect plan
  • Ability on some plans to have limited Worldwide Accident and Emergency cover outside of your chosen geographic area of cover
  • Eligible charges for in-patient treatment will be paid direct to the hospital or provider in most cases
  • Ability on some sub-plans to include limited cover for pre-existing medical conditions as well as chronic conditions (if accepted and subject to wait period and plan terms)
  • Affordable pricing with easy payment installment options
  • Ability to pay premiums and receive benefits in £ Sterling, $ US Dollars and € Euros
  • Few recreational sporting restrictions
  • 24 hour emergency medical and evacuation service
  • Customer service and claims advisor help-lines
  • Fast and efficient in-house claim settlement
  • ‘In-house’ medical staff to assist if you need pre-certification or help if you need to be admitted to hospital
  • 30 Day 'No Hassle' Money Back Guarantee

• What cover is available for families?

  A: GlobalSelect International Healthcare Cover contains benefits that may directly benefit your family.  

  Families applying for the GlobalSelect plan will receive free cover for the first eligible dependent child between 14 days and 9 years of age - when at least one parent is insured under the GlobalSelect plan. All persons applying must be listed on the initial application form.

  GlobalSelect also offers cover for child wellness, adult wellness, maternity, new baby care, dental and vision.

  With these covers available for you and your family, you can rest assured that in time of need, these benefits will be there for you.

  Please view the Schedule of Cover and Excesses along with your Policy Wording for details on all of the covers within GlobalSelect.

• What cover is available for corporate business?

  A: For both employers and employees, GlobalSelect may fit your needs with flexibility and a wide range of cover.

  For employers who need coverage from just two employees up to the entire company, GlobalSelect Group has all the flexibility of GlobalSelect, plus the ability to 'Mix and Match' levels of cover within groups of 10 or more employees.  There may also be major dicounts off 'individual' rates for small groups, and flexible benefits and areas for larger groups.  For additional information on GlobalSelect Group, contact your agent/broker, or contact IMG Europe directly for more information on employer group plans.

  For individual employees needing coverage, GlobalSelect is the perfect fit for them.  Some key benefits for individuals are:

  • Choice of four levels of cover
  • Choose treatment from any doctor, clinic or hospital within your area of cover
  • Ability to cover pre-existing and chronic medical conditions
  • Plan is portable within your area of cover
  • Plan can cover most local nationals and expatriates and includes Home Country cover

  Please view the Schedule of Cover and Excesses along with the Policy Wording for all of the covers available on GlobalSelect.

  As an employer, your employees are your most valuable asset. Keeping their health protected makes good commercial sense - their health problems can seriously affect your business operations. These considerations are even more important if your employees and their families are overseas. IMG offers a range of corporate and group healthcare plans that give fast, efficient and affordable access to professional healthcare services around the world.

  We can tailor-make cover for your executives and employees as well as their dependents wherever they are stationed around the world. You can start with as few as two employees and we will be pleased to design a plan to help meet your individual company's requirements and budget. We can also provide a comparative quotation if you have an existing healthcare arrangement.

  Please contact your agent/broker or contact us for further details, and we will be happy to guide you through this simple process.

• How do I apply for GlobalSelect international healthcare insurance?

  A: It's quick and easy to apply. Just follow these steps:

  1. Choose the sub-plan that provides the sections and limits of covers you need.
  2. Choose the geographical area of cover in which you wish to be covered.
  3. Decide if you wish to increase or decrease the standard level of medical excess, or if there are any optional additional covers you would like to apply for such as:
     • Global Personal Accident Plan; or
     • Global Daily Indemnity Hospital Income Plan.
  4. Complete the application form in full, choosing how you want to pay your premium. We accept annual premiums in £ Sterling, $ US Dollars or € Euros by cheque/bank draft, wire transfer and all major credit and debit cards. Alternatively, you can choose to pay monthly, quarterly or semi-annually by credit/debit card. The benefits listed under your Plan will be in the same currency as you pay your premium.
     • Don’t forget to include your spouse and dependent details if applying as a family.
     • If you are 19 years of age or older, you must complete your own application.
     • A physician’s statement may be required depending upon your answer to the medical questions.
  5. For paper applications, please send the completed application form along with payment (or your credit card details) to your agent/broker or to us by Post or Fax.
  6. You can also apply online by clicking 'Get a quote/Buy online' to complete your application online and pay for your cover securely using a credit/debit card.

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  Alternatively, you can download and complete our Application Form in full and post/fax to us (or go via your agent/broker) on our details below.  Please include payment by cheque or provide your credit/debit card details.

  IMG Europe Ltd
  36-38 Church Road
  Burgess Hill
  West Sussex
  RH15 9AE
  United Kingdom

  Fax: +44 (0) 1444 46 55 50

• What are the GlobalSelect age limits and eligibility?

  A: Individuals and their dependents worldwide of all nationalities are eligible to apply for GlobalSelect from 14 days of age up until the age of 74 years. In the case of children under the age of 18 years, a parent or guardian is required to sign the application on their behalf.

  Non-USA citizens may reside anywhere in the world including their home country. However, in respect of cover in the USA, certain eligibility restrictions may apply.

  USA citizens must reside outside the USA on their effective date and arrange to reside outside the USA for at least six months.

  the USA on their effective date and arrange to reside outside the USA for at least six months.

• Is lifetime cover available under GlobalSelect?

  A: Lifetime medical cover may be available if you enroll in the GlobalSelect plan before your 65^th birthday and you maintain continuous cover up until age 75 - at which point you may become eligible to apply for continuing cover under one of our Senior Citizen plans.

  Your GlobalSelect plan will automatically terminate at the policy renewal date following your 75^th birthday.

• Is the GlobalSelect cover renewable?

  A: GlobalSelect^® is annually renewable and continues when renewed. Prior to the end of each 12 month period of insurance, you will receive a renewal form. You must continue to meet the eligibility requirements in order to renew. There are no medical questions at renewal, and your rate will be based upon your age and cover selection at the time of renewal - not your previous claims record.

  Automatic Renewal
  For your convenience, if you pay by credit/debit card, we will notify you of your renewal premium and charge your card just before your renewal date. This helps you prevent any accidental break in cover at renewal. If you do not meet eligibly at renewal or you notify us that you do not want to renew, then your card will not be charged and your policy will not be renewed.

• Is there a money back guarantee?

  A: We offer a 30 Day Money Back 'No Hassle' Guarantee.

  Upon receiving your GlobalSelect^® or CoverSure policy documents, please make sure you read them carefully. If you think your GlobalSelect plan may not meet your needs, you may cancel it without having to pay a charge.

  If you decide to cancel, simply return all your policy documentation to us within 30 days and as long as you have not already made a claim under the plan, we will cancel it from inception and promptly give you a full refund of the premium paid - No Questions Asked.

• What are the GlobalSelect sub-plan options?

  A: There are four GlobalSelect^® sub-plans to choose from and a range of voluntary medical excess options. We offer you a wide choice of health insurance covers to suit your individual needs and budget, all of which give you the freedom to choose where you are treated within your selected geographical area of cover.

  When you apply for any of the GlobalSelect sub-plans, you can also choose to apply for a range of valuable additional covers at the same time including:

  • Global Personal Accident Plan
  • Global Daily Indemnity Hospital Income Plan

  The four sub-plans are detailed below.

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  The GlobalSelect HeadStart sub-plan is very affordable, 'entry level' medical insurance designed to get you to see a consultant or specialist privately and quickly - whether before or after hospital admission, or following out-patient surgery.

  • Allows you to receive the private in-patient treatment you need, when you need it, as well as out-patient surgery, cancer tests and MRI/CT scans
  • Includes emergency evacuation and repatriation to the nearest medical facility within your geographic area of cover
  • “Go private” and avoid having to suffer unnecessary or long waiting lists

  The GlobalSelect Basic^SM sub-plan is affordable and effective medical insurance that gives you higher limits and more sections of cover than HeadStart. As well as in-patient treatment, out-patient surgery, cancer tests and MRI/CT scans, the Basic sub-plan provides a wide range of additional covers including:

  • Family doctor fees, treatment, referrals and prescribed medicines relating to pre- and post-hospital treatment
  • Major organ transplant
  • Physiotherapy
  • Homeopathic and osteopathic treatments
  • Home nursing
  • Compassionate visits
  • Stabilisation of an acute episode of a chronic medical condition

  Limited worldwide accident and emergency cover is also available under the Basic sub-plan if you travel outside your geographic area of cover. What's more, if declared and accepted, limited cover can even be included for pre-existing medical conditions following 24 months of continuous cover under the GlobalSelect plan.

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  The GlobalSelect Standard^SM sub-plan offers significantly wider and increased benefits compared with the Basic sub-plan, with extensive cover for family doctor treatment and prescribed medicines, including additional benefits for:

  • Complementary medical treatment
  • AIDS/HIV treatment
  • Hormone Replacement Therapy (early onset)
  • Rehabilitation and Hospice Care
  • Psychiatric treatment
  • Annual health and wellness check ups for adults and children

  Cover is also available for declared and accepted pre-existing conditions and ongoing chronic and palliative treatment, after 24 months of continuous cover. You can elect to have eligible treatment in the USA within our network of providers.

  New and valuable sections of cover include: Out-of-Country Legal Expenses and Out-of-Country Car Rental Loss/Damage Waiver cover for trips of up to 31 days outside of your country of residence, if you are 21-74 years of age.*

  *Out-of-Country Car Rental Insurance is separately underwritten from the medical insurance under the GlobalSelect plan and is not insured by Sirius International. Separate policy documentation will be issued at time of purchase which will also identify the insurance company.

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  The GlobalSelect Executive^SM sub-plan offers you some of the highest limits of cover and the widest range of premier international medical insurance covers available anywhere in the world. The Executive sub-plan provides all the covers above and more including:

  • Vision contribution benefit
  • Routine dental treatment (after six months continuous cover)
  • Restorative dental treatment (after 12 months continuous cover)
  • An extensive range of maternity covers (after 12 months continuous cover)
  • Extended Out-of-Country Car Rental Insurance as above for trips of up to 31 days
    • Includes Supplemental Liability Insurance, Hit & Run, Uninsured and Under Insured Motorists
    • This is a highly valuable benefit if you rent a car on business or pleasure outside your Country of Residence
    • Must be 21-74 years of age.

  *Extended Out-of-Country Car Rental Insurance is separately underwritten from the medical insurance under the GlobalSelect plan and is not insured by Sirius International. Separate policy documentation will be issued at time of purchase which will also identify the insurance company.

• What are the GlobalSelect Schedules of Cover?

  A: The Schedule of Cover must be read in conjunction with the GlobalSelect® Policy Wording, and all sections and cover are subject to all terms and conditions. Each GlobalSelect sub-plan has a different column to identify the specific limits of cover and sections that are applicable to it.

  Click here to view the full Schedule of Cover

• What are the GlobalSelect geographical area of cover options?

  A: By restricting your cover to certain geographic areas you can reduce the premium you pay. With GlobalSelect® you have a choice of three different geographic areas of cover.

  Area One
  Europe including:

  Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Holland, Hungary, Iceland, Ireland, Italy, Jersey, Kazakhstan, Kyrgyzstan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Russian Federation, San Marino, Serbia, the Slovak Republic, Slovenia, Spain (including the Balearics and Canary Islands), Sweden, Switzerland, Tajikistan, Turkey, Turkmenistan, Ukraine, United Kingdom, Uzbekistan, the Vatican City and Yugoslavia.

  Area Two
  Worldwide excluding:

  USA, Canada, China, Hong Kong, Macau, Japan, Singapore, and Taiwan.

  Area Three
  Worldwide

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  Worldwide Accident and Emergency Cover

  Basic, Standard and Executive sub-plans allow restricted Worldwide Accident and Emergency cover outside your chosen Area of Cover for up to a specific monetary limit of cover and to a maximum number of days per year. This is particularly beneficial if you travel out of your geographic area of cover frequently on short trips or decide to go abroad on holiday. Please refer to the Schedule of Cover and Excesses for further details.

   

• What are the GlobalSelect schedule of excesses?

  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.

• Are there any optional additional covers available?

  A: GlobalSelect Plan: When you apply for the GlobalSelect^® or CoverSure cover, you can also choose to apply for a range of valuable additional covers at the same time:

  • Global Personal Accident Plan
  • Global Daily Indemnity Hospital Income Plan

  These valuable additional covers are easy to apply for, require no additional medical information or examination, and if you are accepted for the GlobalSelect or CoverSure plan then your acceptance is guaranteed for these additional covers. Simply complete and return the relevant Optional Additional Covers section(s) on your GlobalSelect or CoverSure application and submit it with the appropriate premium/payment details.

  Separate policy documentation will be issued along side your GlobalSelect or CoverSure plan for any additional cover you apply for. For the full policy terms and conditions relating to these options, please refer to the relevant policy documents (available upon request).

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  Global Personal Accident Plan

  While GlobalSelect and Coversure plans are designed to provide protection for individuals and families from the high cost of medical expenses, Global Personal Accident Plan provides financial protection and security for families following the accidental death of an insured loved one. The Global Personal Accident Plan also provides cover in the event of an accident which results in your permanent total disablement, total and permanent loss of speech, hearing or sight, total and permanent loss of use of one or more limbs, or second and third degree burns. Cover is provided on a worldwide basis, irrespective of the area of cover you have chosen for the GlobalSelect or CoverSure plan. Anyone under the age of 70 and approved for a GlobalSelect plan is automatically eligible for a Global Personal Accident Plan at the time of application.

  The Global Personal Accident Plan is an optional cover that is purchased in 'blocks of cover' also known as ‘units.’ The maximum number of units you may purchase depends upon your age at the time of application and each subsequent renewal. Applicants ages 31 days through 18 years, and 65 years through 69 years are eligible for one unit of cover. Applicants ages 19 years through 64 years are eligible for up to two units of cover. The second 'supplemental' unit is at a discounted rate to the first 'standard' unit of cover. Child Personal Accident cover is also available at a discounted rate. 

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  Global Daily Indemnity(SM) - Hospital Income Plan

  Unfortunately your financial obligations and bills will continue even if you are hospitalised. The Global Daily Indemnity Hospital Income Plan is an excellent way to offset these expenses while you are in the hospital and unable to work. Global Daily Indemnity will pay you a fixed sum direct, for each night you are required to stay overnight as an in-patient in a hospital. The hospital stay must be covered under your GlobalSelect International or CoverSure Healthcare Plan in order to be eligible for this indemnity, and hospital stays related to pregnancy are not eligible.

  BENEFIT PAYABLE PER DAY*
  Available only between ages 16-69	£GBP 55/Day	$USD 100/Day	€Euro 83/Day
  Lifetime Maximum Limit	£GBP 14,000	$USD 25,000	€Euro 21,000

  *Please Note: This is a summary of cover. It is not considered to be the Policy Wording. Full details of cover, terms, conditions, limitations and exclusions that may affect benefits payable are provided in the Policy Wording (available upon request).

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• What cover is available for Pre-Existing Medical Conditions?

  A: After cover has been in effect for 24 continuous months under a GlobalSelect Basic^SM, Standard^SM or Executive^SM sub-plan (unless we advise otherwise in writing) - an Insured Person is provided with cover up to the annual and life time limits (relevant to his or her chosen sub-plan) for eligible declared and accepted pre-existing medical conditions*.

  Please note that no cover exists for pre-existing medical conditions under the GlobalSelect HeadStart^® sub-plan.

  This benefit is payable whether or not you have received consultation or treatment for the condition(s) during the 24 month period. This is important because very few pre-existing conditions remain free from consultation or treatment, and therefore do not typically qualify for any cover at all under most other companies' standard policies.

  If you fully disclose a pre-existing medical condition at the time of application, and we accept you into the GlobalSelect plan, you will be covered for eligible charges subject to the limits and terms** of the plan.

  *Subject to the terms and conditions of the Policy Wording
  **See your Policy Wording for definition of “pre-existing conditions” and a complete list of exclusions and limitations and other specific terms and conditions.

• Is Pre-Certification available?

  A: For many of the benefits under your GlobalSelect® or CoverSure plan you are required to seek pre-certification from us as soon as possible and always PRIOR to incurring cost or undertaking any medical treatment or before being admitted to hospital (except in an emergency situation, in which event we should be informed within 48 hours or as soon as reasonably possible).

  Pre-certification may be undertaken by an insured person, the medical practitioner, hospital administrator or a relative - subject to all information being available and verifiable. Your Policy Wording contains important terms, conditions and instructions on pre-certification procedures. Please ensure you carefully adhere to these.

  Failure to follow pre-certification procedures may invalidate your claim or in certain circumstances result in a loss or reduction of cover.

• What are the other exclusions and limitations?

  A: As with all medical insurances, there are certain costs, expenses, conditions and claims which are not covered by the GlobalSelect plan. Please refer to the Schedule of Cover and Excesses applicable to your chosen sub-plan which should be read in conjunction with the full Policy Wording (available upon request) in order to obtain a definition of pre-existing conditions and a complete list of terms, conditions and exclusions relevant to your chosen sub-plan.

  Charges for the following illnesses, conditions and surgical procedures which exist, manifest themselves or are treated or have treatment recommended during the first 90 days of cover from the effective date are excluded from cover:

  • Allergies
  • Asthma
  • Tonsillectomy
  • Adenoidectomy
  • Haemorrhoids or haemorrhoidectomy
  • Any disorder of the reproductive system
  • Hysterectomy
  • Hernia
  • Intervertebral disc disease
  • Gall stones or kidney stones
  • Any condition of the breast
  • Any condition of the prostate.

  Please note charges for the above may be further limited or excluded under the pre-existing condition exclusion and/or the chronic condition limitation.

• How do I make a claim?

  A: We will settle your claims efficiently. In most cases, if you are admitted to Hospital we can arrange to pay the Hospital or medical provider directly. Once your application for your GlobalSelect^® or CoverSure plan is approved, you will receive a fulfillment kit which includes an IMG Europe identification card and claim forms. When you receive treatment, original itemised bills must be received by IMG Europe within 90 days of services.

  Please refer to your Policy Wording and claim form for further claims submission and settlement information.

  > Click here to download a GlobalSelect Claims Form

  > Click here to download a CoverSure Claims Form

General Information

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• What is the difference between IMG and IMG Europe?

  A: IMG is the Managing General Underwriter for the international insurance plans sold through the company. IMG is located in Indianapolis, Indiana USA and is also the parent company of IMG Europe Ltd. IMG Europe is located in West Sussex, United Kingdom. IMG Europe is fully authorized and regulated by the UK Financial Services Authority (FSA). For more information on both companies, click on the following links.

  IMG | IMG Europe

• How do I apply for IMG products?

  A: For international medical insurance plans offered through IMG, simply go to www.imglobal.com and click on "Quote / Purchase Medical Insurance." You will be easily directed through the quote/purchasing feature.

  These plans are offered by the parent company of IMG Europe, IMG, and is not FSA regulated.

• How do I become an intermediary?

  A: To become an intermediary with IMG or IMG Europe, you must be approved or licensed to sell health insurance in your respective country. If you are an intermediary, you may contract with IMG Europe online at the following link: New Producer Contracting.

• Who is your underwriting partner?

  A: While IMG and IMG Europe provide complete plan administration expertise, our globally recognized partner, Sirius International Insurance Corporation (publ), offers the financial security and reputation demanded by international consumers. Rated A (excellent) by A.M. Best and A- by Standard & Poor's*, Sirius International shares IMG's vision of the international marketplace and offers the stability of a well-established insurance company. 

  Sirius International is part of the White Mountains Insurance Group Ltd. With approximately $2 billion of regulatory capital and over $2 billion in gross premiums, the Group ranks among the top insurance and reinsurance organizations in the world.

  *Sources: A.M. Best affirmed their rating in a press release dated 29^th September 2010; Standard & Poor's affirmed their rating in a press release dated 14^th December 2010.

• Are you regulated by the Financial Services Authority (FSA)?

  A: IMG Europe Limited is authorised and regulated by the Financial Services Authority(FSA) in the United Kingdom.