Global Marine Health Insurance Benefits

Schedule of Benefits

All amounts listed are in U.S. dollars. Click the titles to see further information.

SCHEDULE OF BENEFITS SUBJECT TO DEDUCTIBLE & COINSURANCE UNLESS OTHERWISE NOTED
Coverage Area Two options: worldwide or worldwide excluding the U.S. and Canada
Policy Maximum $5,000,000 lifetime per individual
Hospitalization URC
Semi-private room and board
Nursing services
Prescription medication
Physician charges
Diagnostic and laboratory testing
X-rays
Chemotherapy and radiation
Durable medical equipment
Treatment, services and supplies routinely provided
Intensive Care Unit URC
Surgery</td> URC
Surgical care
Second surgical opinion
Anesthetics
Physician charges for surgery
Treatment, services and supplies routinely provided
Transplants $1,000,000 lifetime
Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently contracted PPO network
Outpatient Care URC
Emergency treatment of illness or injury
Surgery
Rehabilitative treatment
Treatment, services or supplies routinely provided
Prescription medication
Emergency URC
Surgery or dental treatment following an accident
Emergency Room following an accident
Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.
Emergency Transportation by Ground Ambulance URC
Emergency Medical Evacuation Up to policy maximum - Not subject to deductible or coinsurance
Included is an Emergency Reunion benefit of $10,000 lifetime
Return of Mortal Remains $25,000
Supplemental Accident $300 per occurrence - Not subject to deductible or coinsurance
The first $300 will be covered for each accidental injury
Pre-existing Conditions $5,000 per period of coverage up to $50,000 lifetime - Only available after 24 months of continuous coverage
Mental/Nervous Care $10,000 per period of coverage up to $50,000 lifetime - Only available after 24 months of continuous coverage
Inpatient and outpatient care by a licensed psychiatrist
Wellness $250 per period of coverage - Not subject to deductible or coinsurance
Females age 30 and over, only after 12 months of continuous coverage - Routine physicals, including:
dermatology screenings
Mammogram, gynecologist visit, etc. (exams must be separated by at least 12 months)

Males age 30 and over, only after 12 months of continuous coverage
Routine physicals, including dermatology screenings (exams must be separated by at least 12 months)
Dental Emergency $100 per period of coverage
Necessary treatment of sudden, unexpected pain to sound natural teeth
Complementary Medicine More Information
When referred by a physician
Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage
Recreational Scuba URC
Illness or injury while using safe diving practices as laid down by an Authoritative Diving Body
Other URC
Radiation treatment
Home nursing care
Hospice care
Physical therapy (maximum $50 per visit)
Prosthetic devices
Chiropractic Care More Information
When referred by a physician - URC
With no physician referral - $25 per visit
Maximum of 20 visits per period of coverage
Not subject to deductible or coinsurance
Amateur Sailboat Racing Coverage $50,000 lifetime up to $10,000 per period of coverage - Subject to period of coverage benefit deductible of $2,500
Please contact your insurance professional for benefit details
Optional Maternity Rider
Available on Silver, Gold and Gold Plus plans only
More Information
  • $50,000 lifetime maximum
  • Maximum of $5,000 for normal delivery for each pregnancy - not subject to deductible or coinsurance
  • Maximum of $7,500 for C-section delivery for each pregnancy - not subject to deductible or coinsurance
  • $200 child wellness benefit for the first 12 months
  • New born care and congenital disorders maximum of $250,000 for the first 31 days
  • Must be selected at time of initial purchase of plan
  • Benefits available after 10 months of continuous coverage
  • Eligible newborn children may be added without evidence of insurability as long as an application form is submitted within 31 days of birth
  • Benefits will be reduced by 50% for births that occur in the 11th or 12th month of continuous coverage

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.