Navigating Img Insurance: A Step-By-Step Guide To Making Changes

IMG offers a range of insurance plans for individuals and families, including travel medical insurance, international health insurance, and travel insurance. Their website provides a comprehensive guide to the different types of insurance plans available and the coverage each plan provides.

IMG's travel medical insurance offers temporary coverage for accidents, sicknesses, and emergency evacuations when visiting or travelling outside of your home country. Their international health insurance provides annually renewable private medical insurance for expats and global citizens living or working internationally. IMG's travel insurance protects you from financial losses if your trip is delayed, interrupted, or cancelled and also includes coverage for medical expenses abroad.

IMG's website also provides detailed information on how to change or cancel your insurance plan.

Cancelling your IMG insurance plan

Step 1: Understand the Cancellation Process

Before initiating the cancellation, it's important to understand the specific cancellation process and requirements for your particular IMG insurance plan. Different plans may have varying cancellation policies, so be sure to review the details of your plan. You can refer to the IMG website or your policy documents for this information.

Step 2: Determine the Timing of Cancellation

The timing of your cancellation can impact the refund you receive. If you cancel before the effective date of your plan, you will typically receive a full refund of your premium. However, if you cancel after the effective date, a cancellation fee may be charged, and the refund will be prorated based on the amount of time remaining in your coverage period. Therefore, it's essential to check the terms of your specific plan to understand the financial implications of cancelling at a particular time.

Step 3: Submit a Written Cancellation Request

To initiate the cancellation process, you need to submit a written request. For IMG policy cancellation, you can send your request to [email protected]. In your written request, be sure to include all relevant information, such as your name, policy number, and the reason for cancellation. This will help expedite the process and ensure a smooth cancellation experience.

Step 4: Understand Refund Eligibility

It's important to note that if you have already filed claims under your IMG insurance plan, your premium may become non-refundable. Therefore, it's advisable to check the terms and conditions of your plan to understand the refund eligibility before initiating the cancellation process.

Step 5: Follow Up on the Cancellation

After submitting your written cancellation request, it's a good idea to follow up with IMG to ensure that your request is being processed. You can contact IMG through their website, email, or customer support channels to confirm the status of your cancellation and refund, if applicable. This step helps ensure that your cancellation is finalized, and you are no longer responsible for any future payments or obligations under the cancelled plan.

By following these steps, you can effectively cancel your IMG insurance plan and navigate any refunds or adjustments that may be associated with the cancellation. Remember to carefully review the terms and conditions of your specific plan to make informed decisions throughout the process.

Applying for a new IMG insurance plan

• Choose the plan that best suits your needs: IMG offers a range of insurance plans, including travel medical insurance, international health insurance, and travel insurance. Select the one that meets your specific requirements.
• Understand the coverage: Familiarize yourself with the benefits and coverage provided by your chosen plan. IMG plans offer a wide range of benefits, such as emergency evacuation, return of mortal remains, political evacuation, and repatriation, among others.
• Review the eligibility criteria: Ensure that you meet the eligibility criteria for your selected plan. For example, the Global Medical Insurance plan is available to individuals and families of all nationalities, with specific requirements for US citizens.
• Complete the application: You can apply for IMG insurance plans online. Provide the necessary information, such as personal details, travel plans, and payment information.
• Await processing: IMG will review your application. The processing time may vary depending on the plan and your circumstances. For the Patriot series of plans, IMG typically processes applications within one business day, while for the Global or Group series, it may take three to four business days.
• Receive your documents: Once your application is approved, IMG will send you your ID card and other relevant documents.
• Manage your account: After receiving your insurance documents, you can create a MyIMG account to conveniently manage your claims, update your contact information, and access other features.

Changing your personal details on your IMG insurance plan

Firstly, you can log in to the MyIMG portal and click "Manage Account". From the drop-down menu, select "My Profile" and you will be able to change your username, password, email address, and social security number.

Alternatively, you can submit a request to update your personal details by sending a letter to IMG's postal address:

International Medical Group, Inc.

9200 Keystone Crossing Suite 800

Indianapolis, IN 46240

You can also contact IMG by phone:

• 1.866.368.3724
• 1.317.655.4500

If you are an IMG member outside of the US, you can contact IMG by calling the number on the back of your ID card.

If you are changing your address, you will need to make a formal endorsement and may need to submit proof of the change. Certain endorsements may also require you to pay an additional premium, so it is advisable to check the endorsements stated in your car insurance policy beforehand.

Adding or removing coverage options on your IMG insurance plan

IMG offers a range of insurance plans, including travel insurance, international health insurance, and travel medical insurance. The process for adding or removing coverage options may vary depending on the specific plan and your circumstances. Here are some general guidelines to help you navigate the process:

• Contact IMG: Reach out to IMG directly to discuss your options for adding or removing coverage. They can provide you with the most accurate and up-to-date information based on your specific plan and situation.
• Review your plan documents: Your plan documents will outline the specific coverage options available to you, as well as any restrictions or limitations. It's important to carefully review these documents to understand what changes you can make and any associated costs or penalties.
• Consider your needs: Evaluate your current coverage and identify any gaps or areas where you may need additional protection. This will help you determine what coverage options you may want to add or remove.
• Understand the impact: Adding or removing coverage options may affect your premium and the overall cost of your plan. Be sure to consider the financial implications of any changes and whether they align with your budget.
• Follow the required procedures: IMG may have specific procedures for making changes to your coverage. Be sure to follow their guidelines and provide any necessary documentation to ensure a smooth process.
• Explore alternative plans: If you are unable to make the desired changes to your current plan, consider exploring alternative IMG plans that better suit your coverage needs.

Cancelling your IMG insurance plan

If you are considering cancelling your IMG insurance plan, it's important to review the terms and conditions of your plan. IMG allows for cancellation in certain circumstances, and the process may vary depending on the specific plan you have. Here are some general guidelines:

• Contact IMG: Get in touch with IMG to discuss your cancellation request. They can provide you with specific information about the process and any applicable fees or penalties.
• Review the cancellation policy: Your plan documents will outline the terms and conditions for cancellation, including any deadlines, fees, and refunds. Be sure to carefully review this information before initiating the cancellation process.
• Provide the required information: IMG may require certain information or documentation to process your cancellation request. Gather and provide the necessary details to facilitate a smooth cancellation process.
• Understand the impact: Cancelling your plan may result in a loss of coverage, and you may need to arrange alternative insurance. Ensure that you have a clear understanding of the consequences of cancelling your IMG insurance plan.
• Follow the required procedures: Follow the steps outlined by IMG for cancelling your plan. This may include submitting a written request or completing specific forms. Adhering to their procedures will help ensure a smooth and timely cancellation process.

Understanding what your IMG insurance plan covers

IMG Travel Insurance Plans:

IMG offers both single-trip and annual travel insurance plans. The level of coverage varies depending on the plan chosen. Some key coverage options include:

• Emergency medical evacuation: This benefit is crucial if you travel to remote locations or engage in adventurous activities.
• Trip cancellation and delay insurance: Reimburses you for cancelled or delayed trips due to covered reasons.
• COVID-19 coverage: Some IMG plans offer protection against COVID-19-related issues, but not all. Carefully review your plan to understand if COVID-19 is covered.
• Pre-existing conditions: Some IMG travel plans provide limited coverage for acute onset of pre-existing conditions. However, chronic and congenital conditions may be excluded.
• High-risk activities: IMG travel insurance typically does not cover incidents arising from high-risk activities or intentional harm.

IMG International Health Insurance Plans:

IMG also offers international health insurance plans for expats and global citizens. These plans provide comprehensive benefits, including:

• Worldwide medical coverage: IMG health insurance plans offer coverage for hospital stays, outpatient care, prescriptions, chemotherapy, radiation, physical therapy, and organ transplants.
• Customizable coverage: You can customize your plan with different levels of coverage, deductible options, and add-on riders to meet your specific needs.
• Prescription coverage: All IMG health insurance tiers include prescription coverage, although the limits may vary.
• Emergency evacuation: This coverage provides assistance in the event of a medical emergency, with a maximum benefit per coverage period.
• Dental and vision coverage: Some IMG health insurance plans offer optional dental and vision coverage for an additional cost.
• Life insurance: IMG offers global term life insurance as an add-on, providing coverage for your heirs no matter where you are in the world.

Understanding Your Coverage:

To fully understand what your IMG insurance plan covers, carefully review the following:

• Summary of Benefits and Coverage (SBC): Obtain a copy of your SBC from your insurance company. This document outlines the services covered by your plan and their associated costs.
• Cost estimation tools: Some insurance companies offer tools to help you estimate out-of-pocket expenses for specific services.
• Doctor search tool: Check if your doctor is part of your insurance network to ensure coverage for their services.
• Formulary or drug list: If your plan includes prescription drug coverage, review the list of covered medications and any special approval requirements.
• Member Services team: Don't hesitate to contact your insurance company's Member Services representatives if you have questions about your coverage.

Frequently asked questions