IMG International Review
Since being founded in 1990, the International Medical Group (IMG) has taken the insurance world by storm. Today, IMG International is recognised as one of the best international and travel insurance companies in the world. It has also acquired several smaller insurance companies over the years to expand its offerings and overall reach.
In this review, we'll explore the background and history of the International Medical Group, as well as discuss IMG International's policy offerings, benefits, and more.
Background and History
Established in 1990:
IMG was founded in January 1990 in Indianapolis as an independent managing general underwriter (MGU). Since then, IMG has pioneered innovative insurance and medical management programmes. It has also secured itself as an industry leader within the insurance sector.
Evolution:
1990s:
IMG became the first company to offer a full line of global insurance products and introduced secure online transactions for international insurance.
2000s:
IMG fully shifted to online transactions and launched the MyIMG portal for policyholders to manage their accounts.
2010s:
Throughout the 2010s, IMG continued to grow and acquired several companies. They expanded their services to include travel insurance and medical management.
2017:
IMG was acquired by Sirius Group.
Present:
Today, IMG offers a wide range of insurance products for various demographics.
Milestones:
Present:
As an industry giant, IMG provides assistance to Fortune 500 companies and other insurers.
IMG International Reviews
With over 11,000 reviews on Trustpilot, IMG has earned multiple 'excellent' customer service reviews and a 4.6-star rating.
Here are some reviews from verified policyholders:
"I've [had] an excellent experience with IMGlobal company. I was very ill in one of my journeys and they took care of absolutely everything, at zero cost to me. Highly recommended !!" - Sergio.
"It was easy to shop and compare plans. I quickly found a plan that met my needs at a good value." - Gary.
Health Insurance Plans
Travel Medical Insurance
IMG's Travel Medical Insurance plan offers coverage for illnesses or injuries while travelling, and has several medical benefits in the case of emergencies. These benefits include:
COVID-19 coverage:
When you're travelling to certain destinations, you'll be covered for COVID-19.
Emergency medical evacuation:
In the case of an emergency, emergency medical evacuation and repatriation are offered.
Pre-existing conditions:
You'll have complete cover in the event of an acute onset of any pre-existing conditions.
Telehealth services:
As a policyholder, you'll have access to telehealth services for remote consultations with medical health professionals.
International Health Insurance
IMG offers long-term medical coverage for travellers, expats, and global citizens. This International Health Insurance is ideal for anyone working or living outside of their home country for a period of one year or longer. The benefits for this plan include:
Full medical care:
You'll have access to inpatient, day-patient, and outpatient care in both public and private hospitals.
Cancer treatments:
In the case of a cancer diagnosis, radiotherapy and chemotherapy are covered.
Emergency room coverage:
You'll be able to access international emergency rooms with full coverage.
IMG International Insurance Claims
Submitting a claim with IMG is simple and can be done using their MyIMG portal. Depending on which policy you have, your coverage and deductibles may vary.
Patriot Lite International
Maximum limit: Up to $1,000,000 (£782,800)
Deductible: $0 to $2,500 (£0 to £1,957)
Co-insurance (in network): 100%
Co-insurance (out of network): 80% up to $5,000 (£3,914) - then 100%
Patriot Plus
Maximum limit: Up to $1,000,000 (£782,800)
Deductible: $0 to $2,500 (£0 to £1,957)
Co-insurance (in network): 100%
Co-insurance (out of network): 80% up to $5,000 (£3,914) - then 100%
Patriot Platinum
Maximum limit: Up to $8,000,000 (£6,262,400)
Deductible: $0 to $25,000 (£0 to £19,570)
Co-insurance (in network): 100%
Co-insurance (out of network): 90% up to $5,000 (£3,914) - then 100%
Global Health Insurance
Maximum limit: Options from $1,000,000 to $8,000,000 (£782,800 to £6,262,400)
Deductible: Options from $100 to $25,000 (£78 to £19,570)
Additional Health Benefits
- Emergency medical services: As a policyholder, your cover will give you 24/7 access to emergency assistance services.
- Wellness programs: Some plans offer cover for wellness programmes and resources to encourage a healthier and more active lifestyle.
- Maternity coverage: Access to prenatal care, childbirth, and postnatal care.
- Routine health check-ups:
For most plans, you can claim for routine checkups, which include preventative screening, vaccinations, and resources and additional information for illness prevention.
Prescription And Hospital Stay Benefits
Prescriptions
Reimbursement for prescription medication: Coverage for both NHS and private prescriptions issued by medical health professionals. .
Convenient access: IMG provides access to a network of pharmacies to fill your prescription or collect medication across the globe..
Submit claims online: You can submit a claim for your prescription through the online portal to be reimbursed more quickly.
Hospital stays
Global coverage: As a policyholder, you'll have worldwide coverage for hospitalisation.
Support For Sustainability And Community
- Environmental initiatives:
IMG International achieved its ISO 14001:2004 certification in 2009 after implementing a comprehensive Environmental Management System. This certification shows IMG's commitment to reducing its carbon footprint and using more eco-friendly operation methods.
- Community support:
IMG works closely with The Brougher Foundation, which raises funds for organisations that serve Indiana residents and international communities.
Innovative Technology
- Digital platforms:
IMG offers easy access to health resources and services through their digital health platforms like MyIMG. This helps policyholders manage their policies, submit valid claims, and access important information or documentation wherever they are in the world.
- Artificial intelligence:
IMG uses AI to streamline claims processing, fraud detection, and more.
Awards And Recognitions
Forbes Advisor Best Travel Insurance Companies:
In 2023, IMG was recognised as the Best Overall Travel Insurance Company.
Travvy Awards:
In both 2022 and 2023, IMG won the Travvy Award for the Best Overall Travel Insurance Provider.
Travel Weekly Magellan Awards:
In 2023, IMG won two awards in the Online Travel Services Marketing category for their mobile app and marketing campaign.
Progress Sitefinity Website of the Year: In 2021, IMG was announced as the winner in the insurance category, while it was recognised as the winner in the financial services category in both 2017 and 2018.
Health Insurance Awards:
In 2010, IMG was named the Best International PMI Provider.
Environmental And Social Contributions
Charitable partnerships:
IMG actively participates in charitable partnerships and initiatives both on a local and global scale. The company primarily engages with organisations that address social and health-related issues.
Innovation In Healthcare
Telehealth services:
As a policyholder, you'll have remote access to a network of medical professionals. This ensures that you have 24/7 contact with a doctor, nurse, or counsellor in the case of an emergency.
Health monitoring devices:
IMG integrates information from wearable health monitoring devices into its digital platforms. This means that members can track their health metrics such as blood glucose, heart rates, and more to keep on top of their health.
Community Support
Grants:
IMG International consistently demonstrates its commitment to furthering local and global communities by allocating funds to support customers and vulnerable communities in starting and maintaining health-related projects.