+++ Let GWT Global provide you with a free no-obligation quote for Expat Health Insurance +++ GWT Global provide a FREE Review Service prior to your renewal +++ GWT can save you time, money and get you better expat health insurance cover +++ Get FREE Expert Advice on Expat Health Insurance from GWT Global +++

FAQ – Expat Health Insurance & Travel Medical Insurance

Below, please find the answers to some of the most Frequently Asked Questions in regards to the Expat Health Insurance and Travel Medical Insurance we provide through IMG Europe.

WTTR Expat Health Insurance frequently asked questions

Frequently Asked Questions List: Click on an Expat Health Insurance Question below and you will be taken to the answer:

 

A. FAQ relating to GWT Global, IMG, GlobalSelect and GlobalFusion Expat Health Insurance:

1. Who are you and how do you charge for your services?
2. Who are IMG and IMG Europe?
3. Who regulates IMG Europe?
4. Who can buy IMG Europe expat health insurance or travel medical insurance plans?
5. Can an employer pay for and arrange an individual, family or group expat health insurance plan?

 

B. FAQ relating to GlobalSelect and GlobalFusion benefits and coverage

6. Why should I choose GlobalSelect or GlobalFusion Expat Health Insurance?
7. Can I apply for a GlobalSelect or GlobalFusion policy online?
8. Do I need to be an expat in order to apply for expat health insurance?
9. Which insurance company underwrites GlobalSelect and GlobalFusion range of Plans?
10. What discounts are available with GlobalSelect International Healthcare Cover?
11. What currency can I pay my premium in?
12. How can I reduce my expat health insurance premium?
13. What are the sales features in GlobalSelect / GlobalFusion that relate to single parent families and children under 10 years old?
14. What If I need coverage for less than a year?
15. Am I covered anywhere I go in the world?
16. What if I have a medical emergency – who will help me or my family?
17. Can you pay my medical claims overseas?
18. Do I need to undergo a medical examination to apply for expat health insurance?
19. What is the age limit for GlobalSelect and GlobalFusion expat health insurance?
20. What medical underwriting options do you offer?
21. Do you cover dental treatment?
22. Do you cover maternity?
23. What are the sub-plans available?
24. Which sub-plan does not include cover for Family Doctor/General Practitioner (GP) care or Out-Patient prescribed drugs?
25. How long is the wait period for cover for pre-declared and accepted pre-existing medical conditions?
26. Which sub-plan does not have any cover for pre-existing medical conditions?
27. What are the geographic areas of coverage available for GlobalSelect and GlobalFusion?
28. Can GlobalSelect and GlobalFusion cover me in my home country cover?
29. What does "Out of Country" mean?
30. What if I move country or return back to my home country – do I need to start again and apply for a new expat health insurance plan?
31. Can you cover me if I am going to be residing in the U.S.A?
32. What eligibility restrictions are there for covering U.S. Citizens?
33. Do you offer discount for family of 5 members (or any number of members)?
34. Can I insure my dependent child on their own as I have cover elsewhere?
35. Do you offer any other general insurance such as Personal Accident, Income Replacement or Travel Medical Insurance Covers?
36. Do you offer life insurance?
37. If I have a bad personal claims record during a year – will the insurer still offer me renewal?
38. Will my renewal premium depend on my claims during a policy year?
39. I have a heart condition, diabetes, asthma or other pre-existing condition, would that be problem to apply for GlobalSelect or GlobalFusion?
40. Are there any other exclusions relating to Pre-Existing Conditions I should be aware of?

 

C. FAQ relating to Coverage, Wait Periods & Excesses…

41. How can find out what coverages and limits apply to the various policies?
42. What cover is given for General Practitioner (GP) / Family Doctor / Primary Out-Patient Care?
43. What cover is provided for Chronic Conditions under each sub-plan?
44. What are the wait periods for dental treatment under the GlobalSelect Executive and GlobalFusion Platinum sub-plans?
45. Can we exclude dental and/or maternity coverage?
46. What excess options are available for each sub-plan?
47. What is the maximum number of excesses payable under each plan?

 

D. FAQ relating to applying for Your GlobalSelect or GlobalFusion Policy

48. How do I apply for a GlobalSelect or GlobalFusion Policy?
49. How do I know if I qualify to apply for expat health insurance?
50. Do I need to include all my past and current medical condition(s)? Wouldn't this affect the approval and/or even increase my premium?
51. Can I start the coverage immediately after I have signed the application form?
52. How long does it take the application to be approved?
53. How do I pay the premium?
54. Can I apply to switch from another provider to an IMG Europe Plan at my renewal?

 

E. FAQ relating to Medical Provider Networks

55. Does the insured person have to use IMG network providers for treatment?
56. Where and how do I obtain the list of the IMG Network of Provider?
57. What if there is not an IMG Network Provider locally to me?
58. Please explain what you mean by Network of Providers, Direct Settlement and Cashless Service?
59. Am I only allowed to go to IMG Network of Providers to seek medical attention?
60. Is there any form to fill in even if I went to a clinic or hospital to seek medical treatment on the Network of Provider list?

 

F. FAQ relating to Making An Expat Health Insurance Claim

61. What do I if I am going to be admitted into a hospital or seeking treatment?
62. Where can an insured person send a claim to?
63. When do I have to "pre-pay" my medical fees upfront or not when I seek medical attention at a clinic?
64. How do I make a claim?
65. How do I submit a claim?
66. How will the claim be paid if I seek medical attention at a non IMG Network Provider facility?
67. How soon will I get the approval and reimbursement of my claim?

 

G. FAQ relating to Pre-Certification Prior to Treatment

68. Under what circumstances must I seek Pre-Certification from IMG before undertaking treatment?
69. How do I obtain Pre-Certification?
70. How soon will I get the Pre-Certification determination?
71. Will I incur any liability if I fail to follow the Pre-Certification requirements?

 

DISCLAIMER  
This guide is intended for general information and guidance purposes only. Please note that the terms and conditions of each customer's actual Contract of Insurance are as described and defined in detail in each customer's specific Wording and Certificate of Insurance. The benefits, exclusions, procedures and all relevant definitions as contained in that Wording take precedence over the contents of this Guide.


 

A. FAQ in relation to GWT Global, IMG, GlobalSelect and GlobalFusion Expat Health Insurance:

1. Who are you and how do you charge for your services?

A: GWT Global are an intermediary company representing leading specialist companies providing both short-term and long-term international and expat health insurance.

But we work for our client and not the insurance provider. We do not charge you any fees for our expat health insurance quotations or annual renewal review services. These GWT expert services and professional advice are completely free of charge to you and the fees for our service are paid by the insurance provider.

You will not pay more for accessing these products through GWT Global, plus in many cases we can help assess your expat medical insurance needs more accurately and can often help you make significant savings whether you are new to having an expat health insurance plan or if you want us to assess alternative options to your existing expat health insurance plan prior to your renewal.

GWT Global are also there to assist you with your quotations, applying for an expat health insurance plan as well as helping you submit or progress any your claim your may have in the future.

Let GWT Global save you time and money by allowing our expert team of advisers do the searching and quoting to find you a great deal on expat health insurance or travel medical insurance.

Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

2. Who are IMG and IMG Europe?

A: International Medical Group (IMG) has been an established world leader in providing expat and international health insurance since 1990. They provide international and expat health insurance to individuals, families and corporate groups living or working worldwide. They have in excess of 25,000 independent agents in over 150 countries worldwide. IMG Europe is a wholly owned subsidiary of IMG and were very proud to be independently voted by brokers worldwide to win and be awarded the prestigious 'Best International Private Medical Insurance Provider' at the 2010 UK 'Health Insurance Magazine' awards.

Back to Top

 

3. Who regulates IMG Europe and their expat health insurance plans?

A: You can safely buy an IMG Europe expat health insurance plan knowing that IMG Europe Ltd is fully authorised and regulated by the UK Financial Services Authority (FSA).

Back to Top

 

4. Who can buy IMG Europe expat health insurance or travel medical insurance plans?

A: Individuals, families and corporate groups of any nationality living, working or travelling virtually anywhere worldwide (whether living in their home country or overseas as expats) can apply to buy expat health insurance and travel medial insurance from IMG Europe.

Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

5. Can an employer pay for and arrange an individual, family or group expat health insurance plan?

A: Yes an employer can pay for and arrange an individual, family or groups expat health insurance plan. IMG Europe offer a wide range of options for new group coverages as well as seeking transfer from an existing group plan, for corporate employers and their expatriate employees overseas as well as in many cases employees in their home country. Options are also available to extend benefits to the dependent families of the employees.

A corporate group can be as small as only 2 employees and is very flexible in that newly joining or leaving staff can easily be added or removed from coverage on a monthly basis. A group expat health insurance plan can offer significant savings compared to buying those plans individually.

Let GWT Global provide you with a no-obligation expat health insurance quotation for a new group plan or provide you with alternative options if you are considering moving you existing group coverage. Contact our team of expert group insurance advisers on This email address is being protected from spambots. You need JavaScript enabled to view it.

Back to Top

 

B. FAQ in relation to GlobalSelect and GlobalFusion benefits and coverage

6. Why should I choose GlobalSelect or GlobalFusion Expat Health Insurance?

A: Both expat health insurance plans offer exceptional value for money coverage with a wide choice of sub-plan choices and options to help meet any expat health insurance need and budget. They are provided by IMG and IMG Europe, world leaders in expat health insurance and include many unique coverages that are not available with any other expat health insurance plan.

Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

7. Can I apply for a GlobalSelect or GlobalFusion policy online?

A: Yes you can it is quick and easy to apply for GlobalSelect or GlobalFusion expat health insurance – plus by applying online there are no paper forms need to be completed.

For an instant quotation or to apply for cover, please go to: Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

8. Which insurance company underwrites GlobalSelect and GlobalFusion range of plans?

A: GlobalSelect and GlobalFusion are insured and fully underwritten by Sirius International Insurance Corporation (publ). Sirius International is a leading international insurance company at rated 'A' (Excellent) by A.M. Best at time of publishing.

Back to Top

 

9. Do I need to be an expat in order to apply for expat health insurance?

A: No you do not need to be an expatriate in order to apply for expatriate health insurance. Whilst the plans include special coverages and benefits that are important to expatriates who require international medical insurance when residing or travelling overseas, these benefits are also important to applicants who may not be expatriates but want peace of mind from their home country that they can seek the best treatment at home or anywhere in their area of cover - especially if local treatment options may be poor, have long waiting lists, be very expensive or even if a treatment or drug is not available at home.

Expat health insurance is also popular among people who own a second home or business overseas, or those who are 'international citizens' that reside or work in multiple locations – they can have the peace of mind knowing that one expat health insurance plan can provide cover without the need for multiple medical policies at home or overseas.

Back to Top

 

10. What discounts are available with GlobalSelect International Healthcare Cover?

A: GlobalSelect offers a variety of discounts including a 15% introductory discount for new customers as well as a range of No Claims Discounts and unique Low Claims Discounts at renewal as well. GlobalSelect is one of the most competitive and comprehensive international expatriate health insurance plans available worldwide.

Let GWT Global provide you with a no-obligation free expat health insurance quotation today: Click here for instant discounts and a quote:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

11. What currency can I pay my premium in?

A: You can pay your expat health insurance premium in USD, GBP Pound and Euro. Once you have selected your currency you may not change it at a later date. The currency you choose to pay your expat medical insurance premium in, will also be the applicable currency for applying and tracking your benefits under the plan.

Even if you don't have a USD, GBP or Euro bank account or credit or debit card – you can still pay by any major international credit or debit card that may be in a differing local currency. Your credit or debit card provider will then convert your premium payment back to your credit or debit cards base currency as per their applicable international currency exchange rates.

Let GWT Global provide you with a no-obligation free expat health insurance quotation today in either USD, GBP or Euro : Click here for instant discounts and a quote:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

12. How can I reduce my expat health insurance premium?

A: There are a number of ways you can reduce your expatriate health insurance premium at time of application, or if you are insured elsewhere and looking to change provider. GWT Global can help your reduce your expat health insurance premiums by considering a wide range of expat health insurance plans available. They will help you choose from a range of plans and their sub-plans, if you require less expat health insurance cover than one of the high coverage plans you may benefit by selecting a lower cost and lower coverage plan. You can also choose a higher excess (the amount payable by you in the event of a claim) or a reduced area of coverage - these can also significantly reduce your expat medical insurance premium.

Finally another way of reducing your overall expat health insurance premium is to pay your annual premium upfront as this will be cheaper than paying by instalments.

Let GWT Global provide you with a no-obligation free expat health insurance quotation today:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

13. What are the sales features in GlobalSelect/GlobalFusion that relate to single parent families and children under 10 years old?

A: IMG Europe's GlobalSelect and GlobalFusion expat health insurances are very family friendly and include a range of discounts and even free coverage options for children.

GlobalSelect International Healthcare Cover:
First child under 10 years of age is insured free of charge when covered alongside at least one adult. Single parent families are recognised under GlobalSelect and there is no need for two parents to be insured in order to gain this discount

GlobalFusion International Medical Insurance:
The first two dependent children aged between 14 days and under 10 years are covered at no additional cost for the first year of coverage only when both parents or guardians are insured under a GlobalFusion sub-plan. On the first renewal date, the premium will be 50% off the published rates. For subsequent renewals, the renewal premium will apply.

These discounts are subject to change, so why not let GWT Global provide you with a no-obligation free expat health insurance quotation today: Click here for instant quotes:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

14. What If I need coverage for less than a year?

A: GlobalSelect and GlobalFusion are annually renewable 'long-term' international and expat health insurance plans. We do offer a range of plans available for short term international travel medical coverage outside of your home country. Click here <Link to Travel insurance page> for a quote on our Patriot Travel Medical Insurance for coverage outside of your normal country of residence from 5 days to up to 2 years.

Back to Top

 

15. Am I covered anywhere I go in the world?

A: Subject to policy terms and which sub-plan you have chosen you are covered anywhere in the "Area of Cover" you have purchased. On some of our expat health insurance plans there is even limited Accident and Emergency Coverage outside of your area of cover.

Back to Top

 

16. What if I have a medical emergency – who will help me or my family?

A: Your first port of call should be to contact the local emergency services, but IMG have a team of in-house medical and emergency evacuation specialists that are on hand 24 hours a day, 365 days a year to assist in the event of a medical emergency or emergency medical evacuation. They can co-ordinate with your local treating doctor and medical experts to assist in evacuations including arranging air ambulances if medically necessary.

Back to Top

 

17. Can you pay my medical claims overseas?

A: Yes, eligible medical claims can be swiftly reimbursed to you at home or overseas in any internationally available currency that you prefer. IMG can even arrange to have your expat medical insurance claim reimbursement paid directly deposited into your bank account or paid back onto most major credit or debit cards. In addition to this in many cases we are able to pay in-patient treatment costs direct to the medical provider concerned.

Back to Top

 

18. Do I need to undergo a medical examination to apply for expat health insurance?

A: No you do not need to undergo a medical examination to apply for IMG Europe's expat health insurance, although in some cases older applicants may be required to submit their most recent physical exam report from the last 24 months before application.

Back to Top

 

19. What is the age limit for GlobalSelect and GlobalFusion expat health insurance?

A: 14 days to 74 years old and even beyond that under the Global Senior Plan (for those who have been continuously insured with IMG for 10 years or more by that stage).

Back to Top

 

20. What medical underwriting options do you offer?

A: Medical Underwriting is the basis upon which you apply to join the plan and it primarily relates to what, if any, coverage will apply in relation to any Pre-Existing medical Conditions you may have (subject to policy terms, acceptance, benefit limits, exclusions and wait periods). IMG Europe offer a variety of Underwriting options:

GlobalSelect offers the applicant a choice of underwriting styles at time of application - either Full Medical Underwriting (with coverage for declared and accepted pre-existing conditions up to sub-limits after a fixed period of 24 months from the effective date – irrespective of if treatment has been received during that period). For conditions that are unacceptable for future pre-ex cover IMG can often accept the client but place a medical exclusion on that unacceptable specific condition,
or Moratorium Underwriting where, subject to the plans terms and conditions, after an initial 24 month period of continuous coverage under your plan, eligible conditions will be covered after two consecutive years without symptoms or treatment consultation, advice (excluding routine check-ups), medication (including injections) or treatment, symptoms, medication or special diet for a pre-existing condition (or related condition).

GlobalFusion only offers Full Medial Underwriting. Please refer to the relevant product brochure for further details.

GlobalSelect Full Brochure GlobalFusion Full Brochure
GlobalSelect Policy Summary GlobalFusion Policy Summary

Back to Top

 

21. Do you cover dental treatment?

A: Yes, our expat health insurance products provide varying levels of dental cover depending upon your budget and needs. Full routine cover is spelled out in the respective Schedule of Benefits

Back to Top

 

22. Do you cover maternity?

A: Yes, our expat health insurance products provide varying levels of maternity cover depending upon your budget and needs. As is normal with expat health insurance policies there is a wait period before the benefit become eligible for payment. Full routine cover is spelled out in the respective Schedule of Benefits.

GlobalSelect Policy Summary GlobalFusion Policy Summary

Back to Top

 

23. What are the sub-plans available?

A: GlobalSelect offers a choice of : HeadStart, Basic, Standard and Executive Sub-Plans
GlobalFusion offers a choice of : Silver, Gold, GoldPlus and Platinum Sub-Plans

Back to Top

 

24. Which sub-plan does not include cover for Family Doctor/General Practitioner (GP) care or Out-Patient prescribed drugs?

A: GlobalSelect's HeadStart sub-plan does not cover Family Doctor/General Practitioner (GP) care or Out-Patient prescribed drugs. This is useful where someone (or their employer) is happy to pay their own costs for these, especially in areas of low medical costs, or access to a National Health or State Healthcare System – but still wants cover for consultants, specialists and other major medical incidents.

Back to Top

 

25. How long is the wait period for cover for pre-declared and accepted pre-existing medical conditions?

 A: This depends upon the plan you choose and the underwriting option selected. Where applicable: GlobalSelect Full Medical Underwriting option has a 24 months "flat" period – meaning you can have treatment in the interim (at your own cost) and then after 24 months declared and accepted conditions are covered up to Pre-Existing Coverage sub-limits. Unlike many other products, and the GlobalSelect Moratorium Underwriting option, where the 24 months waiting period would "restart" the moment you have symptoms, seek medical treatment or advice etc for a pre-existing medical condition.

Back to Top

 

26. Which sub-plan does not have any cover for pre-existing medical conditions?

A: GlobalSelect's HeadStart sub-plan

Back to Top

 

27. What are the geographic areas of coverage available for GlobalSelect and GlobalFusion?

A: GlobalSelect :

Area 1: Europe,
Area 2: Worldwide excluding USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan
Area 3: Worldwide

GlobalFusion: Area 1: Worldwide excluding USA, Canada, China, Hong Kong, Macau, Japan, Singapore and Taiwan
Area 2: Worldwide

Back to Top

 

28. Can GlobalSelect and GlobalFusion cover me in my home country cover?

A: Yes coverage is included for home country within your area of cover (other than for US. Citizens residing in the USA for more than 6 months in a policy year).

Back to Top

 

29. What does "Out of Country" mean?

A: Where as most sections of cover are anywhere within your area of cover including your home country (if within area of cover), some sections of cover are 'out of country'. This means outside your normal country of residence, i.e., a Chinese national normally living in Singapore would be covered outside of Singapore – as Singapore is his normal country of residence.

Back to Top

 

30. What if I move country or return back to my home country – do I need to start again and apply for a new expat health insurance plan?

A: No. In most cases if you are moving country within your Area of Cover you can simply keep your existing expat health insurance plan and maintain continuous cover without the need to re-start, re-apply or any re-underwriting. You simply need to let IMG Europe know you have changed address. In most cases if you are moving to reside outside of your existing Area of Coverage IMG Europe can often extend your area of cover for an additional premium. Restrictions will apply if you are a U.S. Citizen looking to reside in the U.S.A. for 6 months or more in a plan year, or at your time of renewal.

Back to Top

 

31. Can you cover me if I am going to be residing in the U.S.A?

A: IMG Europe are one of the most competitive expat health insurance providers in regards to expatriates seeking coverage in the USA and in most cases they can easily provide coverage to Non-US citizens who are going to be residing as expats in the USA.

Coverage is easy to arrange if you are outside of the USA at time of application, however if you are within the U.S.A. at time or application or renewal then certain eligibility criteria will be applicable – refer to IMG Europe or your Policy Wording (available upon request). The primary factor is if you are eligible for local domestic coverage in the state you will be residing or if there are any specific restrictions issued by that state with regards to international health insurance or health insurance licensing, then you may not be eligible for our expat health insurance plans. Contact GWT Global or IMG Europe and we'll be glad to assist you.

Back to Top

 

32. What eligibility restrictions are there for covering U.S. Citizens?

A: US citizens who live outside the USA can buy any of the GlobalSelect or GlobalFusion plans and select any area of cover. If they choose Worldwide cover then they are also covered to return to the USA for eligible treatment and also for periods of less than 6 months within the USA during the 12 month duration of their certificate. A US citizen residing in the USA, or other person eligible for domestic US health insurance, is not eligible to purchase our plans. See Policy Wording for full eligibility.

Back to Top

 

33. Do you offer discount for family of 5 members (or any number of members)?

A: There is no 'group' discount as such for a family, this is because we already offer reduced premiums for children and also the first child under 10 applying with an adult is free of charge (on GlobalSelect) – Terms and Conditions apply.

These discounts are subject to change, so why not let GWT Global provide you with a no-obligation free expat health insurance quotation today:
 

Contact Us Now!

 

Or, you can click here for instant quotes:

 

Get Instant Quote Now!

 

 

Back to Top

 

34. Can I insure my dependent child on their own as I have cover elsewhere?

A: Yes you can cover dependent children under 18 in their own right without there being a parent or guardian on the expat health insurance policy. In this instance the child would need to pay the 19-24 years bracket premiums.

Why not let GWT Global provide you with a no-obligation free expat health insurance quotation today: Click here for instant quotes:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

35. Do you offer any other general insurance such as Personal Accident, Income Replacement or Travel Medical Insurance Covers?

A: Yes, both Personal Accident and Global Daily Indemnity (Hospital Income Plan) coverages are available as an optional extra coverages at initial time of purchase of a GlobalSelect or GlobalFusion plan.

Why not let GWT Global provide you with a no-obligation free expat health insurance quotation today and remember to select the appropriate optional coverage to include Personal Accident or Hospital Income Plan: Click here for instant quotes:
Instant GlobalSelect Quote Instant GlobalFusion Quote

We also offer Patriot Travel Medical <Link to Travel insurance page> Insurance Coverage for short term travel medical coverage outside your normal country of residence from 5 days up to 2 years duration. Plus we also have a Patriot Multi-Trip Travel Medical Insurance <Link to Patriot Mult- Trip Travel Medical Insurance page> Policy for business and frequent travellers.

Click here for an instant no-obligation quote:
Patriot Travel Medical
Patriot Multi-Trip Travel Medical Insurance

Back to Top

 

36. Do you offer life insurance?

A: Not under our expat health insurance products but do contact GWT Global to provide you with a one-stop service for all your insurance needs:

 

Contact Us Now!

 

Back to Top

 

37. If I have a bad personal claims record during a year – will the insurer still offer me renewal?

A: Your individual expat health insurance policy will not be cancelled due to your personal bad claims record. Renewal terms will always be offered, subject to usual upper age limits and continued eligibility under the plan terms.

Back to Top

 

38. Will my renewal premium depend on my claims during a policy year?

A: Your GlobalSelect international healthcare cover renewal premium will depend upon your age, excess and plan choice- and as per the published rates at that time. It will not be loaded further due to a high value or number of personal claims. Plus you may also be eligible for further discounts at renewal based on No Claims or Low Claims.

Your GlobalFusion international medical insurance renewal premium will be based upon a number of differing factors depending upon which renewal category you fall into. This takes into account varying factors including, but not limited to, your year of inception, age, sub-plan, area of cover, citizenship, discounts or loadings based on claims history and pooled community data as well as medical inflation. Additionally we can work with you to provide flexible renewal options.

Back to Top

 

39. I have a heart condition, diabetes, asthma or other pre-existing condition, would that be problem to apply for GlobalSelect or GlobalFusion?

A: Upon review of your medical information by Underwriters if you have selected Full Medical Underwriting then your declared pre-existing medical condition maybe specifically excluded, or be considered as a pre-existing condition that warrants a 24-month waiting period before coverage becomes applicable (subject to terms and sub-limits). It is important that you always fully declare all of your pre-existing medical conditions if you are selecting GlobalSelect Full Medical Underwriting Option or a GlobalFusion international medical insurance plan. Failure to do so could invalidate a future claim or even result in your plan being cancelled.

Each person is assessed on their own unique situation, height, weight and combination of medical conditions. It costs nothing to apply for an IMG Europe policy.

Why not let GWT Global provide you with a no-obligation free expat health insurance quotation today:
 

Contact Us Now!

 

Or, you can click here for instant quotes:

 

Get Instant Quote Now!

 

Back to Top

 

40. Are there any other exclusions relating to Pre-Existing Conditions I should be aware of ?

A: As with all expat health insurance and other medical insurance policies there are a variety of exclusions. Please refer to the Policy Document for the full list of terms, conditions and exclusions applicable to your policy (plus any additional terms, conditions or exclusions that may be applied by an endorsement as part of your policy documentation.

The following illnesses which exist, manifest themselves, or are treated or have treatment recommended prior to or during the first 90 days for GlobalSelect Plans, or first 180 days for GlobalFusion Plan, of cover from the initial effective date are considered pre-existing conditions and are subject to the waiting period and other limitations of cover as outlined in the policy wording:
acne, allergies, asthma, any condition of the breast or prostate, tonsillectomy, adenoidectomy, haemorrhoids or haemorrhoidectomy, any disorder of the reproductive system, hysterectomy, hernia, intervertebral disc disease, gall bladder, gall stones or kidney stones.

Back to Top

 

C. FAQ relating to Coverage, Wait Periods & Excesses…

41. How can find out what coverages and limits apply to the various policies?

A: The brochures show you the range of coverages, sums insured, sub-limits as well as if any wait periods apply to a section of cover.

You can see these by clicking and viewing the brochure links below:

GlobalSelect Full Brochure GlobalFusion Full Brochure
GlobalSelect Policy Summary GlobalFusion Policy Summary

Please contact GWT Global or IMG Europe if you have any questions, for further information or if you require a policy wording. Please refer to the Policy Wording for full details of the plan terms, conditions, exclusions and limitations.

Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

42. What cover is given for General Practitioner (GP) / Family Doctor / Primary Out-Patient Care?

A: GlobalSelect International Healthcare Cover:
HeadStart: No Cover (Specialists/Consultants are covered up to the sub-limits)
Basic: up to US$525 / GBP£300 / €360 per policy year*
Standard: up to US$8,750 / GBP£5,000 / €6,000 per policy year
Executive: up to the policy limit US$8.75M / GBP£5M / €6M (Full Cover)

All sub-plans include Out-Patient Surgery and Cancer Treatment Coverage up to relevant policy limit.

GlobalFusion International Medical Insurance:
Silver: 25 visit max with USD$70/GBP£40/€50 visit (examination)
Gold: up to policy limit (full cover) for first 36 months,
Up to policy limit (full cover) with USD$150/GBP£85/€100 visit from 37th month
GoldPlus: up to policy limit (full cover)
Platinum: up to policy limit (full cover)

Please contact GWT Global or IMG Europe if you have any questions, for further information or if you require a policy wording. Please refer to the Policy Wording for full details of the plan terms, conditions, exclusions and limitations.

Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

43. What cover is provided for Chronic Conditions under each sub-plan?

A: GlobalSelect:
HeadStart: No Cover
Basic: No Cover
Standard: only after 24 months of continuous cover – up to USD$3500/GBP£2000/€2400 per year with a lifetime limit of USD$35000/GBP£20000/€34000
Executive: only after 24 months of continuous cover – up to USD$5250/GBP£3000/€3600 per year with a lifetime limit of USD$52500/GBP£30000/€36000
GlobalFusion:
All Sub-Plans: up to policy limit (full cover) for Newly Diagnosed Chronic Conditions

Please contact GWT Global or IMG Europe if you have any questions, for further information or if you require a policy wording. Please refer to the Policy Wording for full details of the plan terms, conditions, exclusions and limitations.

Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

44. What are the wait periods for dental treatment under the GlobalSelect Executive and GlobalFusion Platinum sub-plans?

A: GlobalSelect Executive:
Emergency Dental: No wait period for relief of pain, abscess treatment, cracked/broken tooth or temporary filling (within 5 days of event)
Routine Dental: 6 months
Major Restorative Dental: 12 months

GlobalFusion Platinum:
6 months wait period for all Non-Emergency Dental treatments

Note: On dental cover, a 'clean bill of dental health' will be required before we pay the first claim. The person's dentist must confirm that at time of taking out the policy they did not have any outstanding treatment due, i.e. they've not stored up their dental work for the claim.

Please contact GWT Global or IMG Europe if you have any questions, for further information or if you require a policy wording. Please refer to the Policy Wording for full details of the plan terms, conditions, exclusions and limitations.

Back to Top

 

45. Can we exclude dental and/or maternity coverage?

A: Yes, you can choose by the various Sub-Plans available.

 

46. What excess options are available for each sub-plan?

A: Both GlobalSelect and GlobalFusion International and Expat Health Insurances offer a wide choice of excesses to help reduce the upfront cost of your insurance. Refer to the brochure for further details.

GlobalSelect offers Excesses per Condition per Policy Year, whereas GlobalFusion offers Annual Excesses (irrespective of the number of conditions).

GlobalSelect – Excesses range from:
HeadStart: from US$180 / GBP£100 / €150 up to US$18,000 / GBP£10,000 / €15,000
Basic: from US$180 / GBP£100 / €150 up to US$18,000 / GBP£10,000 / €15,000
Standard: from NIL up to US$18,000 / GBP£10,000 / €15,000
Executive: from NIL up to US$18,000 / GBP£10,000 / €15,000

GlobalFusion – Annual Excesses range from:
Silver: from US$250 / GBP£138 / €168 up to US$10,000 / GBP£5,500 / €6,700
Gold: from US$250 / GBP£138 / €168 up to US$10,000 / GBP£5,500 / €6,700
GoldPlus: from US$250 / GBP£138 / €168 up to US$10,000 / GBP£5,500 / €6,700
Platinum: from US$100 / GBP£55 / €67 up to US$10,000 / GBP£5,500 / €6,700

The higher excesses often appeal to the older insured who is looking for more major emergency cover and isn't worried about the lower cost treatments or when one has a basic cover from another carrier but would like to cover for major medical incidents.

Back to Top

 

47. What is the Maximum number of Excesses payable under each plan?

A: GlobalSelect provides a cap on the number of excesses both you and your family will have to pay in a policy year:
HeadStart: x 10 per person – after this all claims have nil excess
Basic: x 5 per person – after this all claims have nil excess
Standard: x 5 per person – after this all claims have nil excess
Executive: x 10 per person – after this all claims have nil excess

Note: that an excess is payable per condition, per annum – not per visit unlike some companies who may charge per course of treatment for example. So if you go to the doctor for say asthma three times in a year – you only pay one excess.

GlobalFusion International Medical Insurance:
The Annual Excess is Per Person, Per Period of Insurance as opposed to per condition. This means that once you have met the Annual Excess requirement of your plan then no further Excess will apply to any further claims in that period of insurance.

Each Insured Person will need to satisfy their Annual Excess and any applicable Co-Insurance once per Period of Insurance (12 months), with a maximum of three deductibles per family for the Silver, Gold and Gold Plus Plans, and two deductibles for the Platinum Plan.

On both GlobalSelect and GlobalFusion - Always choose your Excess carefully when you take out your Policy as you cannot reduce your Excess at renewal on a later date.

Back to Top

 

D. FAQ relating to applying for Your GlobalSelect or GlobalFusion Policy

48. How do I apply for a GlobalSelect or GlobalFusion Policy?

A: It is quick and easy to apply for an GlobalSelect or GlobalFusion Expat Health insurance Policy. You can obtain a paper application form from us, or you can apply on-line without the need for any paper forms or signature. You can even save your online application part-way and return to it later.

Apply online at:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Download the PDF application form (Adobe Reader is required to view)

GlobalSelect Application PDF Form <downloadable PDF file>
GlobalFusion Application PDF Form <downloadable PDF file>

For further advice at any time in regards to obtaining a GlobalSelect/GlobalFusion quotation or completing your application form please don't hesitate to contact our friendly team of expert advisers at GWT Global:

 

Contact Us Now!

 

Back to Top

 

49. How do I know if I qualify to apply for expat health insurance?

A: If you answer 'No' to the first 5 questions in Section 2 Health Declaration Section of the online or PDF application form then you qualify to apply.

Your expat health insurance application will then be reviewed by IMG Europe's underwriters for eligibility and acceptance. In some cases they may come back and ask for some further information to assist in their review of your application. In some cases they may come back with an offer of cover subject to certain Personal Medical Exclusions or other terms.

Note: Do NOT cancel any existing coverage until your IMG Europe expat health insurance coverage is confirmed with an effective date in writing by IMG and you have paid your relevant premium.

Back to Top

 

50. Do I need to include all my past and current medical condition(s)?

Wouldn't this affect the approval and/or even increase my premium?
A: It is important for you to honestly, truthfully and fully declare all past and current medical conditions. Failure to do so may invalidate a future claim or even lead to your policy being cancelled. If you are in any doubt about declaring something however trivial it may seem to you - always declare it just to be sure! Your premium will not be affected by the information you declare to IMG Europe.

Plus, don't forget that eligible conditions that are declared and accepted by Underwriters, depending upon your choice of Underwriting may be covered up to sub-limits dependent upon your chosen plan and underwriting option after a 24 month wait period – at no additional cost.

Pre-Existing Conditions that you do not disclose at outset (as required) will never be covered. Refer to the Policy Wording available upon request for full terms, conditions, exclusions and limitations.

Back to Top

 

51. Can I start the coverage immediately after I have signed the application form?

A: No, the coverage will start only after underwriter has approved your application and you have paid the premium (and accepted any additional terms if amended from standard terms). You are able to forward date cover for up to 30 days from your date of application if you'd like it to coincide with a certain date or expiry of another policy.

The sooner you apply for expat health insurance, if accepted, the sooner your coverage can begin.

Why not let GWT Global provide you with a no-obligation free expat health insurance quotation today:
 

Contact Us Now!

 

Or, you can click here for instant quotes:

 

Get Instant Quote Now!

 

Back to Top

 

52. How long does it take the application to be approved?

A: As long as all necessary initial or further information required by underwriting has been submitted, it would take about 3 to 5 working days for approval.

The sooner you apply for expat health insurance, if accepted, the sooner your coverage can begin. Why not let GWT Global provide you with a no-obligation free expat health insurance quotation today: Click here for instant quotes:
Instant GlobalSelect Quote Instant GlobalFusion Quote

Back to Top

 

53. How do I pay the premium?

A: Once your application has been approved by Underwriting - You can pay your Annual premium upfront by international major credit or debit card or Wire Transfer to IMG Europe. If you are paying by Wire Transfer, you will be given payment details and instructions at time of approval.

If you choose to pay by instalments then these can only be paid international credit card. Simply complete your card details online or on the Application form where requested.

Back to Top

 

54. Can I apply to switch (transfer) from another provider to an IMG Europe Plan at my renewal?

A: Yes you can apply to switch to a GlobalSelect Plan from another local, international or expat health insurance provider that is approved by IMG Europe, prior to the expiry of that policy. There are a range of Switch options available and this switch feature (if accepted) allows you to take advantage of the many features and benefits of a GlobalSelect International and Expat Health Insurance Plan that you may not be enjoying on your existing plan.

There must not be a gap in coverage between your previous policy and the start of the GlobalSelect policy. Your switch is subject to underwriting acceptance by IMG Europe and IMG Europe may apply additional underwriting terms or restrictions onto your new Policy – contact IMG Europe or GWT Global for details of the various switch options available and the additional premium loadings that apply. Do NOT cancel or let any other policy lapse until you have written confirmation of acceptance and an effective date from IMG Europe after having paid your appropriate premium.

Back to Top

 

E. FAQ relating to Medical Provider Networks

55. Does the insured person have to use IMG network providers for treatment?

A: No, an insured person is free to choose eligible local or international treatment anywhere in their chosen Area of Cover.

Back to Top

 

56. Where and how do I obtain the list of the IMG Network of Provider?

A: You are free to use any hospital, clinic or doctor within your area of coverage, although in some cases there may be advantages to using a medical provider that is in our IMG Network. As an Insured member you can access the IMG Medical Providers Network list the via International Provider Access (IPA) Database at MyIMG at www.imgeurope.co.uk . This can be accessed online 24/7. Alternatively you can call IMG Europe direct (UK) +44 1444 (0) 4655677

Back to Top

 

57. What if there is not an IMG Network provider locally to me?

A: It is very unlikely that there is not an IMG Network provider locally, although in some parts of the world there may be certain distances between providers due to local infrastructure and terrain based on your location. The list of medical providers internationally is constantly being expanded and reviewed.

If there is not an IMG Network provider locally this should still not be a problem because, unlike many other companies where you must go into their network, with GlobalSelect or GlobalFusion you are free to have treatment at any hospital, doctor or clinic in your area of cover – not just in the IMG network!

This freedom to access treatment anywhere in your area of cover includes medical providers outside of the country you are currently residing, or even back in your home country if preferred (if within area of cover).

There are benefits to having treatment in our network though, primarily because we can arrange in most cases to pay the medical provider direct (you are responsible for paying any relevant excess or co-insurance to the provider if applicable). Some of our plans also include incentives to encourage you to go into our network, this may be by way of a reduced excess or co-insurance. Refer to Policy Wordings (available upon request) for further details.

Globally IMG have one of the largest international medical provider networks, including a network in Asia and the USA. As a policy holder you can access their online global provider database 'International Provider Access' through www.imgeurope.co.uk. If you choose to have treatment outside the network of providers, in many cases IMG are able to arrange for direct settlement of In-Patient costs with the hospital.

IMG are constantly updating their list of providers and will also take requests if you have a certain provider in mind (though we cannot guarantee that any particular facility will choose to join our network). In fact IMG have one of the largest networks available. Right now, IMG have providers in all major cities in Asia, complemented by over 17,000 providers worldwide and an incredible 500,000 providers in the USA.

Plus don't forget that an insured person is free to choose treatment from any provider in their "Area of Cover" (that could even include their home country).

Back to Top

 

58. Please explain what you mean by Network of Providers, Direct Settlement and Cashless Service?

A: Network of Providers: These are medical facilities with whom we have a contract for them to provide In-Patient Direct Billing/Cashless Service. They will in most cases simply bill IMG Europe direct, and you will only have to pay the applicable excess or co-insurance to them. You will always need to complete a claim form and submit this to IMG Europe.

Direct Billing/Cashless Service: These two terms have the same meaning. Once you are covered under our policy, you will be given an IMG Europe Medical Card (or ID Card) that you can use to seek treatment within our Network of Providers and in most cases you do not need to make payment for In-Patient Treatment i.e. payment will be made directly from IMG Europe to the facility.

There is no Direct Billing available for routine Out-Patient services. In some cases if you are undergoing high cost or longer out-patient services we may be able to arrange direct billing on a case by case basis with the medical provider.

NOTE: Only Eligible Charges up to the policy limits would be covered, you are responsible for paying any applicable Excess, Co-Insurance, uncovered expenses or amount in excess of your limit to the Medical provider. Note that it is the responsibility of the medical provider to honour their direct billing contract with IMG. In some cases you may still be required to pay low-value and out-patient claims to some providers and seek reimbursement from IMG Europe. In the unlikely event you have any problems with a facility that is in the IMG network accepting your card, you are free to contact IMG for further assistance.

Back to Top

 

59. Am I only allowed to go to IMG Network of Providers to seek medical attention?

A: No, you can go to any providers to seek medical attention that is eligible for coverage under your expat health insurance plan. The only difference is that for those not on IMG's list of Network of Providers, you would have to pay for the treatment first and claim later. NOTE: there is no Direct Billing service for Out Patient treatment.

Back to Top

 

60. Is there any form to fill in even if I went to a clinic or hospital to seek medical treatment on the Network of Provider list?

A: Yes, there is a Claim Form that you have to fill in. This came with your Policy Kit or is available from www.imgeurope.co.uk .

You can seek the assistance of any of the following to assist you in completing it:
The doctor (there may be a charge that will not be covered by your Policy)
The hospital administrator (there may be a charge that will not be covered by your Policy)

Always make sure that you obtain original receipts and medical reports if applicable.

GWT Global and IMG Europe are also here to assist you if you have any questions in completing your Claim Form. But, it is a very simple form that you should not have any problem to fill it in by yourself.

Back to Top

 

F. FAQ relating to Making An Expat Health Insurance Claim

61. What do I if I am going to be admitted into a hospital or seeking treatment?

A: In all instances first check your Expat Health Insurance Policy Wording to ensure the treatment is eligible for cover. Always check the Pre-Certification section of your Policy Wording before undergoing treatment or incurring cost and always refer to the How To Make A Claim Section. If at any time you are unsure please don't hesitate to contact IMG Europe for further advice and assistance.

All In-Patient and Day-Patient treatments (and several other treatments – refer to applicable Policy Wording) require Pre-Certification with IMG prior to treatment or incurring costs (unless an emergency admission in which case Pre-Certification should be undertaken as soon as possible and always within 48 hours). Never delay emergency treatment. Pre-Certification can also be undertaken by a relative or your Doctor.

Back to Top

 

62. Where can an insured person send a claim to?

A: IMG Europe Ltd Claims Department – contacts will be clearly listed in the Claims Form provided with your Policy Wording. In many cases we will accept an electronic scan or fax of your claim in the first instance (with originals to follow by post).

Back to Top

 

63. When do I have to "pre-pay" my medical fees upfront or not when I seek medical attention at a clinic?

A: When you seek medical treatment in a clinic, you would have to make pre-payment first and claim thereafter as we do NOT provide Direct Billing for Out-Patient treatment.

Back to Top

 

64. How do I make a claim?

A: Fill in a Claims Form that is in the Welcome Kit given to you when you effected your expat health insurance policy or you can download it from www.imgeurope.co.uk , or from the IMG Europe Office +44(0) 1444 465577.

Back to Top

 

65. How do I submit a claim?

A: Refer to the How To Make A Claims Section of Your Policy Wording. Scan all necessary documents (receipt, doctors' statement/diagnosis if any) together with the filled Claims Form and email it to: This email address is being protected from spambots. You need JavaScript enabled to view it. .

We recommend you always keep a copy for your records and then mail these originals to IMG Europe NOTE: all necessary claims documents must be submitted within 90 days from the day of your initial treatment to avoid any claim being denied if submitted thereafter.

Back to Top

 

66. How will the claim be paid if I seek medical attention at a non IMG Network Provider facility?

A: You will need to pay the provider direct and then when a claim has been approved, IMG will reimburse the approved eligible amount to you in your stated manner (by bank transfer or direct onto your credit or debit card). NOTE: if any part of the claim is uncovered or there is an excess or co-insurance on your policy that has not been paid to the provider, that amount will be deducted before the disbursement

Back to Top

 

67. How soon will I get the approval and reimbursement of my claim?

A: If no further information is needed, i.e., all necessary documents/information for the claim has been submitted, the whole process till reimbursement is sent will typically be within 21 working days.

Back to Top

 

G. FAQ relating to Pre-Certification Prior To Treatment

68. Under what circumstances must I seek Pre-Certification from IMG before undertaking treatment?

A: Some treatments and procedures must be Pre-Certified by IMG before treatment or costs are incurred, otherwise failure to Pre-Certify may affect your benefits or eligibility of claim.

Pre-Certification is a check for medical necessity, it is not a guarantee of payment (although in many cases a Guarantee of Payment subject to policy terms can be issued thereafter). Full details are listed in the Policy Wording of Pre-Certification requirements, terms and which treatments need Pre-Certification.

Pre-Certification can be undertaken online 24/7 at www.imgeurope.co.uk or via the IMG Europe Pre-Certification Hotline +44 (0) 1444 465577

Back to Top

 

69. How do I obtain Pre-Certification?

A: Pre-Certification can be undertaken online 24/7 at www.imgeurope.co.uk or via the IMG Europe Pre-Certification Hotline +44 (0) 1444 465577

Back to Top

 

70. How soon will I get the Pre-Certification determination?

A: You should get an acknowledgement within 24 hours of your application through your registered email address. NOTE: Pre-Certification is not an approval and/or guarantee payment for the claim. An official Letter of Guarantee (subject to Policy Terms) will be issued upon request shortly after the approval of the Pre-Certification.

Back to Top

 

71. Will I incur any liability if I fail to follow the Pre-Certification requirements?

A: Yes. If you failed to follow the required Pre-Certification procedures, you will be required to pay a larger portion of the claim. In some cases, the plan may determine that the service is not covered under the contract and completely deny the claim.

Back to Top

 

DISCLAIMER
This guide is intended for general information and guidance purposes only. Please note that the terms and conditions of each customer's actual Contract of Insurance are as described and defined in detail in each customer's specific Wording and Certificate of Insurance. The benefits, exclusions, procedures and all relevant definitions as contained in that Wording take precedence over the contents of this Guide.