Frequently Asked Questions



With any health insurance Global plans, the application process is very quick and simple. There will most likely be questions about different aspects of the plan that you may have but you will have the possibility to download a brochure and have access to all the information before ordering, The coverage plans are being sold worldwide and some are specific for US citizen. Our frequently asked questions section provides you with the most common questions we receive so that you can find as much information for yourself about the plans. If you however have further questions or would simply like clarification, please do not hesitate to contact us and or to download the full brochure of the Plan you have selected. We always happy to help you. www.healthinsuranceglobal.com is affiliated with IMG and other major insurance providers.

How to apply for a Quote at Health Insurance Global ?


  • Review and select the Health Insurance plan that fit your needs.
  • Click on Quote to see the benefits and overview of the plan. You can also dowload the full brochure.
  • When you are ready, simply complete the online application form and you will receive a  free quote.

Who underwrites the International Medical, Travel, Student, Senior and Expatriate plans ?

IMG (International Medical Group) is one of the largest insurance provider in the world. IMG provides financial strength and security that is unparalleled in the worldwide insurance market and is recognized as a market leader in the Medical, Travel and health insurance Global arena for its stability, innovative products and services. Presently, Health Insurance Global.com and IMG provides international health insurance to thousands of individuals in almost every country of the world.

Where will this plan cover me?

Click on the link below to review all the available international insurance coverage plans. You can also dowload a free Brochure if you need more information on a specific plan.

International Insurance Plans

Am I eligible to apply for the Plans ?

If you are a US citizen or Non US citizen, you are automatically eligible for the Insurance plans. It is important for the customer to review the plan and coverage before doing a purchase and to make sure the product correspond exactly to your need. a full time student.

When can I purchase my plan online?

You can purchase your plan when you would like your policy to begin.

Will I get my documents immediately?

Yes, when you apply online through IMG  and make sure the online fulfillment is completed, you will receive all your documents via email. You will then need to download these documents, print them off and show them as proof of coverage. Please contact us if you have any questions about your Plan and a customer agent will help you.

When can my plan begin?

You can apply for coverage to start from today’s date and any date in the future that you select on the application form.

What form of payment do you accept?

The insurance plans are denominated in US dollars and can be purchased online using a credit or debit card. Most of the insurance providers accept Visa, MasterCard, Discover and American Express. Applying online is the easiest method, as you can receive your confirmation documents immediately via email.  You are also welcome to use a friend or family member’s credit or debit card with their permission to purchase the plan.

What is a Beneficiary?

Most plans includes benefits that provide payments in the event you should pass away while covered under the plan. The beneficiary is the person who you designate to receive these funds should this happen. Typically you would name your mother, father, brother, sister or husband or wife as a beneficiary. However you can put any name you wish to be your beneficiary, including your estate if you wish to.

Can I extend or renew my insurance plan?

After your initial purchase, you may extend your coverage from the initial effective date. Extensions and renewals must be made online with payment by credit card. For additional information on extending or renewing your plan, please visit the insurance provider’s website.

My plan has expired, how can I reinstate it?

Once a plan has expired or lapsed, it cannot be reinstated. You can instead purchase a new plan and begin coverage as soon as the same day.

Can I cancel plan?

To be eligible for a full refund, the request for cancellation must be received prior to the effective date. Cancellation requests received after the effective date might be subject to the following conditions:

  1. A cancellation fee.
  2. Only the unused full months of the plan cost might be refunded.
  3. Only members who have no claims might eligible for premium refund.
  4. If you have only purchased 1 months coverage and cancel within that month, no refund will be due.


Does this plan cover maternity?

The plans usually provide for usual, reasonable and customary charges for any pregnancy where inception occurs after the plan effective date. Benefits include, but are not limited to, pre-natal, delivery, and post-natal care as well as expenses for miscarriage and complications of pregnancy. Please note that some plans does not provide Maternity coverage. Review the brochure of your plan that are available on Health Insurance Global website to have all the details and information.

Are sports covered under a policy?

Patriot Adventure is designed for the adventurous international traveler. It provides benefits for those traveling abroad who also intend to participate in non-contact amateur athletic activities and a select group adventure sports.

Get a free Quote: Click here

Do you have a plan that covers Trip Cancellation and interruption, travel delay, medical exenses and baggage ?

Patriot T.R.I.P. Essential provides the basic travel insurance protection for a picture perfect vacation. This program is designed for travelers who are concerned about their budget and need basic coverage for those unforeseen circumstances that may force the cancellation or interruption of a covered trip. Patriot T.R.I.P. Essential offers the essential level of benefits for trip cancellation and interruption, travel and baggage delays, and emergency medical treatmentThe Student Secure plan does not provide any coverage for vision.  Click here to get more information.

What does Usual Reasonable and Customary (URC) mean?

Usual Reasonable and Customary is a term that insurance companies use to describe a limitation on their responsibility to pay for eligible medical expenses. Basically, URC refers to the fee typically charged by a provider for a specific procedure in a specific geographic area. So if a particular procedure typically costs $5,000 in the New York City area, and most providers customarily charge about $5,000 for that procedure, the insurance company will not pay your provider in New York City $10,000 for the same exact procedure. Instead, they will limit their payment amount to “Usual Reasonable and Customary” – in this example, $5,000.

What providers can I go to?

You are free to visit any provider you would like when seeking treatment under the Health Insurance Global plans, however you are encouraged to visit the Insurance Companies that we are affiliated with such as IMG. Health Insurance Global.com is always looking for the best plans and best prices for his website visitors.

What is Pre-certification?

Pre-certification is used by certain insurance providers when you, or your attending physician call the assistance number with information about your case and condition if you have any of the following:

  • Hospitalizations, Surgeries, Emergency Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI)

How can we contact Health Insurance Global.com ?

Please click here to contact us or feel free to contact us by phone if you have any questions or comments about our website.

How can I contact IMG if I have questions about my actual Plan or a plan I want to purchase ?

Simply click on the link below to have a direct access to the International Health and Medical Insurance provider and plans.

Contact IMG