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International Medical Group – International Marine Medical

Editor Review

img-international-marine-medicalThe Good: This is an employer-sponsored benefit plan for groups of 3 or more. Comprehensive medical insurance for marine crew with continuous coverage worldwide. Medical care for SCUBA s covered as any other illness, and the plan provides coverage for amateur sailboat racing as well.

The Drawbacks: No pre-existing condition coverage or AD&D.

The Bottom Line: Designed to provide comprehensive medical insurance to groups of marine crew members. With worldwide coverage, including country of citizenship, this is employer-sponsored group coverage for crew members working at sea.
Coverage
Benefits Maximum
Medical expenses $1,000,000
Emergency evacuations Up to plan maximum
Repatriation $25,000
24/7 assistance services Yes

Plan Details

This plan is unique in that it provides the following:

  • Medical care due to recreational SCUBA is covered as any other illness.
  • Wellness care up to $250 per period of coverage – not subject to deductible or coinsurance.
  • Chiropractic care (when referred by a physician) is covered up as any other illness. Without physician referral, it’s covered up to $25 per visit with a maximum of 20 visits per period of coverage (not subject to coinsurance or deductible).
  • Physical therapy covered up to $50 per visit.
  • Amateur sailboat racing covered up to $50,000 lifetime and $10,000 per period of coverage subject to deductible of $2,500.
  • Mental care up to $10,000 per period of coverage and $50,000 lifetime.
  • Maternity and newborn care up to the policy maximum after 12 months of continuous coverage.
  • Enroll in MyIMGSM, an online service that lets you access plan information and manage your accounts, request ID cards, initiate pre-certification, and more.
  • Supplemental accident up to $300 for each accidental injury – not subject to deductible or coinsurance.
  • Emergency travel assistance for travel arrangements, lost passports, emergency prescription replacement, medical referrals, emergency cash transfer and more.
  • Family deductibles are capped at three per year.

Limitations

The following are the limitations on this plan’s coverage:

  • No pre-existing condition coverage.
  • No term life or AD&D coverage.
  • Coinsurance applies for U.S. medical care outside the PPO network.

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