International travel can be an exciting adventure but it can also bring many unpredictable situations if you should need medical care while you're abroad. We provide citizens with International insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, overseas assignment, or group coverage for employees in locations around the world, our site has a product to meet your needs.

By utilizing our SelectaPlan^SM, we can quickly direct you to the plan(s) that will best meet the needs of you, your family or

your organization. Below are product descriptions of the international plans we offer. You have the option of purchasing

online or downloading an application and submitting the completed application via fax or mail.

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MEDICAL INSURANCE

URC

= Usual , Reasonable  Customary

= Habituel Raisonable Normalement

Subject to deductible and
coinsurance

Coverage Area

Worldwide

Policy Maximum Per Individual

US$5,000,000 lifetime

Hospitalization

Semi-private room and board • Nursing services • Prescription medication • Physician charges • Diagnostic and laboratory testing • X-rays • Chemotherapy and radiation • Durable medical equipment • Treatment, services and supplies routinely provided

URC

Intensive Care Unit

URC

Surgery

Surgical care • Second surgical opinion • Anesthetics • Physician charges for surgery • Treatment, services and supplies routinely provided

URC

Transplants

Limited to certain transplants and covered only within designated transplant facilities that are members of IMG's independently-

contracted PPO network

US$1,000,000 lifetime

Outpatient

Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided  • Prescription medication

URC

Emergency

Surgery or dental treatment following an accident • Emergency room following an accident

URC

Emergency Transportation by
Ground Ambulance

URC

Emergency Medical Evacuation

Included with Emergency Medical Evacuation is an Emergency Reunion benefit of US$10,000 lifetime

Up to policy maximum

Repatriation

US$25,000

Supplemental Accident

The first $300 will be covered for each accidental injury

US$300 per occurrence

Maternity

Available after 12 months of continuous coverage • Pre and Post-natal care • Normal delivery or C-section • Well baby care and treatment of newborn for first 31 days

US$50,000 lifetime

Newborns

Eligible newborn children may be added without evidence of insurability under certain circumstances • An application form must be submitted within 31 days of child's birth

URC

Child Wellness

Available for eligible children from 14 days to 18 years of age after 12 months of continuous coverage

US$50 maximum per visit; US$150 per policy period

Pre-existing Conditions

After 24 months of continuous coverage

US$50,000 lifetime

Mental/Nervous Care

Available after 12 months of continuous coverage • Inpatient and outpatient care by a licensed psychiatrist

US$10,000 per period of coverage

Wellness

Females age 35 and over, after 12 months of continuous coverage • Routine physicals • Mammogram, ob/gyn visit, etc. (exams must be separated by 12 months) Males age 35 and over, after 12 months of continuous coverage • Routine physicals (exams must be separated by 12 months)

US$250 per policy period

Complementary Medicine

(Each per policy period)

Acupuncture

US$150

Aroma Therapy

US$50

Herbal Therapy

US$75

IMG Claims Filing Information

24h/24h

Direct Payment to Providerss

In many cases IMG works directly with the hospital or clinic, including those outside  our independent Preferred Provider Organization, for payment of eligible medical expenses.

To file a claim, complete the Claim Form and submit it with original itemized bills.

In this case, you will be responsible for your deductible, coinsurance amounts and non-eligible expenses.

You can also use IMG Interactive Claim Form

Reimbursement

How it works

If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days.

We will reimburse your eligible medical expenses after applying the deductible and coinsurance.

Please remember to submit your bills and receipts as soon as you receive them.

Do not hold them until the end of the year. IMG will apply eligible medical expenses

to your deductible and coinsurance throughout the year.

Precertification Information

Please call   001 (317) 655-4500 for Emergency Medical Evacuation requests.

Cambridge Businesscenter
SelectaPlan^SM
Telephone: 0044-7092006834

                 00352-21633107
Email: contact@cambridge1.net

Web Site: www.cambridge1.net/Insurance.html

5 MINUTES-ONLINE

MEDICARE APPLICATION FORM 

 Welcome to IMG's SelectaPlan^SM -

The Fastest and Easiest way to find the  best international major medical and travel insurance policy for you and your family. Select from the criteria below, and IMG's SelectaPlan will calculate a range of premiums from which to select. You will then be able to purchase your Patriot Travel Medical Insurance® or Global Medical Insurance^SM online via IMG's secure server.

 If you would like to save your application and complete it at a later time, simply click on the "Save For Later" button at the bottom of any page of the application after selecting a premium amount and before submitting your credit card information.

If you have the Authorization Number and Password from a previous application that was not completed, click here to continue with the previous application.

Patriot Group Travel Medical Insurance  provides coverage for a group of 5 or more primary applicants (coverage period between 15 days and 12 months), click here to apply.

Patriot Extreme Travel Medical Insurance is designed for the adventurous international traveler. Patriot Extreme provides benefits for those traveling abroad who also intend to participate in a select group of athletic activities. For complete information on the Patriot Extreme plan or to receive a quote and to purchase on line please click here.

CLICK NOW HERE FOR YOUR FAST 5 MINUTES QUOTE