IMG Health Insurance for Expats in the Philippines: Plans, Coverage & Costs
Expats living in the Philippines can benefit from reliable healthcare coverage through IMG’s health insurance options: Bronze, Silver, Gold, and Platinum. Each plan offers access to top hospitals, financial protection during medical emergencies, and international support throughout your stay.
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Whether you’re already residing in the Philippines or planning to relocate, IMG health insurance is our recommended choice, with its plans including everything from routine care and emergency services to specialized treatment and global evacuation support.
This Pacific Prime article will go into detail on IMG’s health insurance options, their advantages, areas of health coverage, and the factors that determine the cost of IMG’s health insurance in the Philippines.
About IMG Health Insurance for Expats in the Philippines
Since 1990, the International Medical Group (IMG) has provided expats in the Philippines with international medical insurance products covering a comprehensive range of major medical, life, dental, and disability products.
Their health insurance operations emphasize the importance of customer service above all else, offering multilingual services and international coverage for globetrotters who require easy and affordable access to the best healthcare services and peace of mind.
Listed below are some key facts about IMG Global:
- Multilingual Support: IMG Global provides in-house support in 18 languages
- Global Support: IMG Global provides support in over 190 countries, including the Philippines
- Flexible Solutions: IMG Global offers 25 unique insurance plans to meet your needs
- Large Networks: IMG Global has over 1 million doctors and teledocs in its global database
- Globally Recognized: IMG Global is in agreement with approximately 43,000 producers
IMG Insurance Plan Tiers Available in the Philippines
IMG Global offers its international health insurance plan through the Global Medical Plan, which is available in four coverage levels: Bronze, Silver, Gold, and Platinum. Each level offers different tiers of coverage and benefits.
Designed for expatriate individuals and families planning to travel long-term, such as for a duration of one year or more, international health insurance provided by IMG Global ensures comprehensive benefits. For more details on each plan, read more on our IMG partner page.
IMG Bronze Plan: Basic Global Medical Coverage
The Bronze plan provides comprehensive coverage with a lifetime maximum limit of USD $1,000,000 and a flexible deductible ranging from USD $250 to USD $10,000 per period of coverage. It covers treatments both inside and outside the U.S., including coverage for emergencies and hospitalization.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: USD $1,000,000 per individual
- Deductible (Per period of coverage): USD $250 to USD $10,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. using a Medical Concierge: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next USD $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: USD $300 maximum per visit.
- Mental/Nervous: N/A
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Covered only if admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for the average semi-private room rate.
- Intensive Care Unit: Subject to deductible and coinsurance.
IMG Silver Plan: Enhanced Health Insurance Benefits
The Silver plan offers enhanced coverage with a lifetime maximum limit of USD $5,000,000 and a deductible range of USD $250 to USD $10,000 per period of coverage. It provides comprehensive coverage for domestic and international treatments, including coverage for emergencies and hospitalization.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: USD $5,000,000 per individual
- Deductible (Per period of coverage): USD $250 to USD $10,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. using a Medical Concierge: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next USD $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: USD $300 maximum per visit.
- Mental/Nervous: Subject to deductible and coinsurance. Outpatient after 12 months of continuous coverage.
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Additional USD $250 deductible if not admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for the average semi-private room rate. All are subject to USD $600 per day/240-day maximum.
- Intensive Care Unit: Subject to deductible and coinsurance. USD $1,500 limit per day – 180 days of coverage per event.
IMG Gold Plan: Comprehensive International Coverage
The Gold plan offers robust coverage with a lifetime maximum limit of USD $5,000,000 and a deductible range of USD $250 to USD $25,000 per period of coverage. It provides coverage for treatments both inside and outside the U.S., including coverage for emergencies and hospitalization.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: USD $5,000,000 per individual
- Deductible (Per period of coverage): USD $250 to USD $25,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. using Medical Concierge: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next USD $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: Subject to deductibles and coinsurance.
- Mental/Nervous: Subject to deductible and coinsurance. USD $10,000 maximum. Available after 12 months of continuous coverage.
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Additional USD $250 deductible if not admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for the average semi-private room rate.
IMG Platinum Plan: Premium Global Medical Insurance
The Platinum plan offers the highest lifetime maximum limit of USD $8,000,000 and a flexible deductible ranging from USD $100 to USD $25,000 per period. It provides coverage for treatments both inside and outside the U.S., including emergencies and hospitalizations.
A summary of the benefits is listed below:
- Lifetime Maximum Limit: USD $8,000,000 per individual
- Deductible (Per period of coverage): USD $100 to USD $25,000
- Treatment Outside the U.S.: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. using Medical Concierge: 50% of deductible waived, up to a maximum of USD $2,500. No coinsurance.
- Treatment inside the U.S. – PPO Network: Subject to deductible. No coinsurance.
- Treatment inside the U.S. – Non-PPO Network: Subject to deductible. Plan pays 80% of the next USD $5,000 of eligible expenses, then 100% of the overall maximum per period of coverage.
- Coinsurance: International – 100%, U.S. in-network – 100%, U.S. out-of-network – 80%
- Outpatient: Subject to deductibles and coinsurance.
- Mental/Nervous: Subject to deductible and coinsurance. USD $50,000 lifetime maximum. Available after 12 months of continuous coverage.
- Hospital Emergency Room Injury: Subject to deductible and coinsurance.
- Hospital Emergency Room Illness: Subject to deductible and coinsurance. Additional USD $250 deductible if not admitted as an inpatient.
- Hospitalization / Room & Board: Subject to deductible and coinsurance for the average semi-private room rate.
- Intensive Care Unit: Subject to deductible and coinsurance.
Key Benefits of IMG Health Insurance for Expats
By taking out IMG Global Health Insurance, expats in the Philippines can enjoy global support, services without obstacles, accessible insurtech, international provider access, financial stability, international emergency care, and lifetime coverage.
The advantages are as follows:
Worldwide Assistance
IMG’s global network of offices and consultants provides assistance whenever you need it. Their corporate mission is to be there to protect your finances and ensure your access to healthcare services.
Hassle-Free Services
The worldwide, multilingual experts at IMG are accustomed to juggling different time zones, languages, and currencies. This means you can rest assured that you will receive the quality treatment you require while in the Philippines, thanks to their extensive global network.
Customizable Coverage
IMG Global offers a wide range of insurance plans to accommodate different needs and budgets through the option to add supplemental benefits like dental and vision coverage.
Accessible and User-Friendly Technology
With an IMG health insurance plan, you have access to myIMGSM, a secure, round-the-clock online portal where you can submit and view claims, manage your account, look for doctors, chat with agents, and more.
Mental Wellness
When you need support adjusting to a new culture, a new school, a new job, or just making new friends while you are away from home, IMG offers mental health services like virtual counseling.
Worldwide Access to Providers
Thanks to IMG’s proprietary IPA network of over 17,000 accomplished physicians and facilities, you can access quality private healthcare anywhere in the world, including the Philippines. This is in addition to their extensive PPO network, which also covers treatments received within the US.
Financial Security and Stability
Policyholders from all over the world can rest easy knowing that IMG has the backing of reputable underwriters like Lloyd’s and Sirius International Insurance Corporation, both of which have excellent reputations and financial stability ratings.
Global Emergency Care
You might not have the luxury of waiting for normal business hours if a medical emergency happens while you are away from home. At all times, you can reach IMG’s on-site medical staff, who are highly trained in emergency medical services and international treatment coordination.
What IMG Health Insurance Covers in the Philippines
IMG’s health insurance provides expats in the Philippines with coverage for primary medical care, emergency evacuation, emergency reunions, return of mortal remains, political evacuation and repatriation, maternity care, and pre-existing condition coverage.
Primary Healthcare
Whether you need emergency treatment or regular checkups, IMG plans give the cross-border medical coverage you need to keep medical expenses manageable.
Emergency Evacuation
This coverage guarantees that if you require emergency medical evacuation due to an unexpected illness or injury, you will be transported to the nearest qualified medical facility. It also covers any reasonable transportation costs associated with the evacuation.
Emergency Reunion
In the event of a medical emergency, the Emergency Reunion Benefit covers the travel and lodging expenses of a relative or friend. This coverage can pay for their travel to you or for accompanying you during the evacuation.
Return of Mortal Remains
If a covered illness or injury results in death, the Return of Mortal Remains benefit provides coverage for the repatriation of your bodily remains or ashes to your home country. Alternatively, it may cover the costs associated with the preparation, burial, or cremation of your mortal remains.
Political Evacuation and Repatriation
This benefit is available specifically on the Global Medical Insurance – Platinum plan. In the event of political unrest or other dangerous situations, it covers the transportation costs for your evacuation and the expenses of repatriation to your home country.
Maternity Coverage
Also available on the Global Medical Insurance – Platinum plan, the Maternity Benefit provides coverage for various aspects of pregnancy and childbirth. This includes coverage for prenatal care, delivery, postnatal care, and newborn care.
Pre-Existing Condition Coverage
Once you have maintained coverage for a specified period, this benefit becomes available to you. It provides coverage for pre-existing conditions that may have been excluded from coverage, meaning that any medical conditions you had prior to obtaining the insurance will be covered.
IMG Health Insurance Costs for Expats in the Philippines
Several factors contribute to the overall cost of IMG health insurance for expats in the Philippines, including the age of the policyholder, the policy’s coverage area, the policyholder’s gender, the plan’s level of coverage, and the policyholder’s medical history.
As a result, expats should consider the following prior to taking out IMG health insurance for their stay in the Philippines:
- Policyholder Age: As policyholders get older, they become more susceptible to illnesses and health conditions, which insurers factor into premium calculations.
- Area of Coverage: Including the United States in the coverage area increases premiums due to the country’s high medical costs.
- Payment Frequency: Paying annually can reduce premiums, as IMG offers discounts for full upfront payments compared to monthly or quarterly options.
- Gender: Premiums may vary by sex, with women of childbearing age often facing higher costs due to potential maternity expenses, while men’s premiums may increase with age due to shorter life expectancy.
- Coverage Level: Plans with more comprehensive benefits and optional add-ons have higher premiums, reflecting the level of protection selected.
- Medical History: Insurers assess medical history during underwriting to evaluate health risks, which can influence eligibility and premium pricing.
Tips Before Choosing IMG Insurance in the Philippines
Prior to moving to the Philippines, expats should carefully consider taking out the best health insurance policies. Fortunately, IMG health insurance provides comprehensive coverage and access to the best private hospitals.
If you need help, feel free to reach out to our brokers today to receive a complimentary quote for an IMG Global insurance plan, along with unbiased advice. Unlike insurance agents, insurance brokers, such as Pacific Prime, maintain impartiality in providing guidance.
While you’re at it, it’s also worthwhile to read up on the Philippines health insurance as a guide, the Philippines health insurance for long-term visitors, or learn more about Cigna Philippines health insurance for expats.
Whether you prefer to contact us or conduct a quote comparison yourself on our website, we are here to assist you. Contact us today.
Frequently Asked Questions
Can I use my US health insurance in the Philippines?
Generally, most U.S. health insurance plans do not provide coverage outside the United States, including in the Philippines. U.S. expats staying long-term in the Philippines should opt for international health insurance, which can provide comprehensive health coverage in several selected countries.
Can a foreigner go to the hospital in the Philippines?
Foreigners can receive medical care at hospitals in the Philippines. Both private and public hospitals treat international patients, but many facilities require upfront payment or proof of ability to pay. Having travel or international health insurance is highly recommended to help cover costs.
What factors affect the cost of IMG Global Health Insurance in the Philippines?
Several factors contribute to the cost of IMG Global health insurance, including the policyholder’s age, coverage area, gender, payment frequency, coverage level, and medical history. These factors are taken into account when calculating the premium for each policyholder.
Why do expats in the Philippines choose IMG Global Health Insurance?
IMG Global is the preferred choice for expats due to its outstanding member service, extensive medical benefits, and wide range of insurance options. IMG Global caters to individuals, families, businesses, students, and professionals, ensuring that everyone can find an insurance solution.
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
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