International health insurance provider
IMG Global Medical
International medical insurance provider
International medical cover for expats and families. Outpatient, maternity and dental are plan dependent. Evacuation is described on relevant international medical and travel products.
At a glance
- Provider type
- International medical insurance provider
- Global reach
- Very high
- Primary audience
- Expats, international families and globally mobile individuals
- Area of cover
- International and plan-specific
- Inpatient
- Core
- Outpatient
- Available by plan
- Maternity
- Plan dependent
- Dental / vision
- Plan dependent
- Evacuation
- Available on relevant products
- Cost-share flexibility
- Varies by plan
- Underwriting
- Underwriting and policy rules apply.
- Network / direct billing
- International provider access
- Portability
- Internationally designed
- Purchase route
- Direct, broker and affiliate
- Pricing model
- Personalised quote
What type of international health insurer is this?
An international medical insurer available direct, through brokers and through affiliate channels. Plan names, benefits and issuing entities may differ depending on where you live.
Who it may suit
IMG Global Medical may be relevant to expats, international families and globally mobile individuals.
Where can you receive treatment?
International and plan-specific. A worldwide plan that includes the USA and one that excludes it are different products. Regional or residence-specific variants have to be confirmed for the country you live in.
Hospital and daypatient cover
Inpatient and daypatient cover: Core. Hospital admission, surgery and daypatient treatment are the core of these plans. This page does not state a benefit limit.
Outpatient treatment
Outpatient: Available by plan. Doctors, diagnostics and specialists may sit in a module rather than in the hospital benefit. This page does not list a visit limit.
Maternity and newborn cover
Maternity: Plan dependent. Maternity can be optional, limited to a higher tier, or subject to a waiting period. This page does not publish a waiting period.
Dental and optical cover
Dental and vision: Plan dependent. Routine dental, major dental and optical benefits are separate questions inside that category.
Evacuation and repatriation
Evacuation and repatriation: Available on relevant products. Medical evacuation is a transfer to treatment. Medical repatriation is a return to a home or nominated country where the policy permits it. They are not the same benefit.
Deductibles, excesses and cost share
Varies by plan. A deductible or excess is paid before the insurer contributes. Co-insurance is a percentage you continue to pay. A copay is a fixed amount for a treatment. Not every plan uses all of these.
Pre-existing conditions and underwriting
Underwriting and policy rules apply. A condition may be accepted, excluded, loaded or otherwise treated. The outcome is individual. A marketing page is not the policy contract.
Do not compare premium until you understand whether the plans are offering comparable underwriting terms.
Provider networks and direct billing
International provider access. Networks differ. Pre-authorisation may be required. Direct billing may not be available for every hospital or treatment, and reimbursement can still be the route.
Can the cover move with you?
Internationally designed. Tell the insurer if you change residence. The premium, the legal entity, the network and the benefits can change. A local compliant product may be required. Do not cancel existing cover until replacement cover is active.
How to buy
Purchase route: Direct, broker and affiliate. A public intermediary or affiliate page does not mean WiT Access has an agreement with the insurer.
What changes the premium?
Pricing: Personalised quote. This page does not publish a premium.
- Age
- Residence country
- Area of cover
- USA inclusion
- Deductible
- Outpatient cover
- Maternity
- Dental / optical
- Family size
- Underwriting
- Plan tier
Questions to ask
Ask IMG Global Medical directly. This page does not answer these for a particular person.
Which countries can I be resident in?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
What area of cover applies?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is the USA included?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is inpatient treatment fully included?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is outpatient cover optional or standard?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
What annual limit applies?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
What deductible options exist?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is there co-insurance?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
How are pre-existing conditions assessed?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is full medical underwriting required?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Are chronic conditions covered?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is maternity covered?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
What maternity waiting period applies?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is dental / optical included?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is evacuation included?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Is repatriation included?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Which hospitals are in the direct-billing network?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Do I need pre-authorisation?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Can the policy continue if I move country?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Can the premium change after relocation?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Which legal entity issues my policy?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
How are claims submitted?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
What exclusions should I pay particular attention to?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
What happens if I return permanently to my home country?
Ask IMG Global Medical directly. The answer depends on residence, the plan and the underwriting.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page from the provider. It does not mean WiT Access has an agreement.
Information is based on publicly available provider information reviewed by WiT Access. Policy benefits, exclusions, underwriting, premiums, networks and geographic availability can change.