Global Prima Medical Insurance (GPMI)

Global Prima Medical Insurance allows you to choose from several plan options, areas of coverage, multiple deductibles, and modes of payment. Quite simply, IMG helps you build the cover you need.

Globlal Prima Insurance plans can be customized to suit the needs of: 
• Expats & Their Families
• Digital Nomads
• Group Coverage
• Dual Residences
• Multinational Employers
• Local Nationals

Plan characteristics 

• No maximum age to apply for the insurance
• Lifetime renewal 
• Available for all nationalities, also available for locals 

Core Benefits:

• Plan offers choice between Bronze, Bronze Plus, Silver, Gold, Platinum. All plans cover Inpatient and Outpatient benefits and Evacuation & Repatriation. 
• Optional plans are Routine Pregnancy & Childbirth and Dental Treatment
• Inpatient and Outpatient care and treatment: Coverage for hospital stays, surgeries, and related treatments in a private room or ward.
• Diagnostic Tests: Laboratory tests, CT, PET and MRI.
• Prescription Drugs: Coverage for prescribed medications.
• Cancer Treatment: Comprehensive oncology care.
• Nursing at Home: Post-hospitalization care and support.
• Crisis Benefits: Evacuation and repatriation

Plan Highlights and important Remarks

• Multiple plan options that cover chronic conditions, cancer, complementary medicine, optical, vaccination, wellness and preventative tests
• Choice of Coverage Area – Europe, Worldwide excluding United States of America and any USA territories, and Worldwide
• Limited cover for Emergency Treatment outside Area of Cover. For trips of under 30 days. 
• Waiting period of 10 months applies to Maternity related treatment 
• Insurance offers extensive benefits for complications of pregnancy and childbirth. However, adding a newborn to your contract is subject to restrictive and high-risk conditions. If a baby is born Premature (before 37 weeks of gestation), Newborn care is limited to €20,000 for the first 30 days. After 30 days from birth, all existing conditions will be excluded from coverage. This represents a significant uninsured risk. JoHo therefore does not recommend GlobalPrima Insurance for individuals who are planning to have a child
• Children covered up to the age of 25 years on parent's contract. Can not continue cover without medical underwriting once they reach the age of 26.
• Emergency treatment outside area of cover is limited to maximum amount and only valid for trips of under 30 days
• MyIMG Member Portal - access and manage your Global Prima Medical Insurance account any time, from anywhere and any device
• Select from the extensive IMG network of medical facilities or choose your own healthcare provider wherever you are in the world

Health Services Included:

• Telemedicine Services: Online and telephone access to a network of medical professionals available to discuss new, non-emergency medical issues. The best medicine brought to you and your family 24 hours a day, seven days a week.
• Support Programme: Telemedicine for mental health that supports with financial, physical and emotional wellbeing.
• Travel Intelligence: A vital companion that provides access to dynamic alerts and country intelligence to help you prepare for and stay safe while away from home 24/7. Expats receive push notifications with location-specific alerts spanning 10 threat categories related to crime, terrorism, severe weather, and more.
• Medical Helpline - for claims information, emergency assistance and advice on treatment, their multilingual in-house staff of nurses, doctors, and case managers provide 24/7/365 assistance services in case of emergency.

Please check the policy documents to make sure which benefits apply to your chosen plan

Choosing the right plan

Global Prima Medical Insurance allows you to choose from several plan options, areas of coverage, multiple deductibles, and modes of payment. With your medical history in mind, the program provides different underwriting methods to extend medical coverage to you that may be declined by other companies. Quite simply, we help you build the cover you need.

Global Prima Medical Insurance offers five levels of coverage

• Bronze: Annual Maximum Benefit: €1,000,000
• Bronze Plus: Annual Maximum Benefit: €2,000,000
• Silver: Annual Maximum Benefit: €3,000,000
• Gold: Annual Maximum Benefit: €4,000,000
• Platinum: Annual Maximum Benefit: €5,000,000

Optional Add-ons

• Routine Pregnancy (10 month waiting period): Routine pregnancy and childbirth costs, including pre and postnatal check-ups (maximum 12 check-ups), scans (maximum of three, one per trimester) and delivery costs for a routine delivery, will be covered as standard if you have this option added to your plan.
• Dental Treatments (6 month waiting period): In addition to emergency dental coverage, all customers can have a full range of dental procedures included in their plan.

Please check the policy documents to make sure which benefits apply to your chosen plan

Global Prima Medical Insurance quote request
Premiums vary based on factors such as age, chosen plan, optional add-ons, and deductible levels. To obtain a quote you can either complete the form or use the link provided below to take you through to the IMG quote platform.

Age limits
Global Prima Medical insurance is available to:

Adults up to 73 years of age at the time of application. 
Once enrolled and coverage has been accepted we will offer renewal forever provided you maintain continuous coverage
Children can be insured as dependents from birth up to 25 years of age and child alone policies are available, subject to underwriting approval.

Restricted countries
IMG operates with a list of sanctioned countries that we are unable to provide cover for.

Potential customers are also advised to check the requirements of the countries they are planning to visit to ensure that their chosen cover is aligned to locally mandated health insurance.

Moratorium or Full Medical Underwriting 

When you apply for Global Prima Insurance, you have a choice between Moratorium cover or Full Medical Underwriting. The Moratorium option offers more affordable premiums. More information about the two options:

1. Moratorium cover: IMG does not cover treatment of any medical conditions (or specified condition) that existed during the five years before the start of your
   policy. However, after joining, all eligible pre-existing conditions may be considered if you have been treatment, medication, symptom and check-up free
   for a continuous period of two years. As a result, there are some ongoing or recurring medical conditions that will never be covered
2. Full Medical Underwriting: This is where IMG will ask for details of your full medical history. Based on the information received IMG will confirm what terms they are
   able to offer you and any exclusions that may apply. Where special terms have been offered these will be detailed on your certificate/declaration of insurance

Get a free quote and submit an application

Get a Free quote

Check the plan option overview

JoHo Insurances is happy to answer your questions. Fill out the contact form here.