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International Medical Group - July 2011

by Tony Novak, CPA, MBA, MT,   June 20, 2011

 

We were please to receive this good news from International Medical Group, one of the providers of the most popular international medical insurance here on Freedom Benefits.

Global Series rates remain the same

All Global Medical Insurance and Global Medical Mission Insurance plan rates will remain the same through the end of 2011.

Patriot Product Updates

Starting in July 2011 the following products will be updated to include new benefits:

In summary, the following updates will be made:

  • Homeowner's / Renter's Insurance Deductible Benefit (all plans):
    In the event of a break-in, fire or natural disaster to an insured person's primary place of residence while he/she is traveling abroad, the plans will reimburse the homeowner's / renter's insurance deductible up to a maximum of $1,000.
  • Sudden and Unexpected Recurrence of a Pre-existing Condition (all plans):
    U.S. Citizen
    – Up to age 65 with a Primary Health plan - URC up to certificate maximum
    – Up to age 65 without a Primary Health plan - $20,000 lifetime maximum
    – Age 65 + with or without a Primary Health plan - $2,500 lifetime maximum
    Note: Primary Health plan must have existed prior to effective date and during coverage of the IMG plan and the pre-existing condition must be covered under the Primary Health Plan.
  • Evacuation Plus Rider: Provides coverage for emergency medical evacuations for medical conditions that are non-life threatening and evacuations as a result of a natural disaster. Patriot Platinum Non Life-threatening Medical Evacuation - Up to a maximum of $50,000. Disaster Evacuation - Up to a maximum of $10,000. Requirements: Up to age 65. Available with a minimum of 3 months of coverage regardless of the minimum number of days being traveled.
  • Patriot Group Travel, Patriot Green: same additional base changes as Patriot Travel
  • Platinum Only Enhancement – Coverage up to $20,000 for a Sudden and Unexpected Reoccurrence of a pre-Existing Condition for Non-U.S. citizens up to age 65.

Freedom Benefits repeats a reminder that whenever health insurance changes occur, the details of the coverage is best obtained directly from the quoting and enrollment link. When plan changes are made inevitably some previously published information becomes outdated.

We recommend using the "coverage without boundaries" online tool as the starting point to see the available coverage options. This is not a flashy Website but provides the important information in an easy to understand format.

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