ELIGIBILITY*

Global Medical Insurance is available to individuals and families of all nationalities. U.S. Citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least six months. Non-U.S. Citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the United States.

As part of the eligibility requirements for Global Medical Insurance, U.S. citizens must reside abroad or plan to leave the U.S. on their effective date and plan to reside abroad for at least six of the next 12 months. Non-U.S. citizens may reside anywhere, including their country of citizenship, although certain eligibility restrictions may apply to non-U.S. citizens residing in the U.S. The IMG plans are not COBRA or HIPPA compliant.

Persons between the ages of 14 days and 74 years old may apply for coverage. Persons older than 74 years of age are not eligible.

Global Medical Insurance is available for your spouse and dependent children. Coverage for the first for two children are free between the ages of 14 days to 9 years of age only  when both parents are covered under the Global Medical Insurance plan. Children under the age of 19 applying with no parent or guardian insured by Global Medical Insurance  use the male 19-24 rates. An application must be completed for each person requesting coverage.

RENEWAL OF COVERAGE

Global Medical Insurance is annually renewable and coverage is continuous when renewed. Prior to the end of each period of insurance (12 months) you will receive a renewal form. You must continue to meet the eligibility requirements outlined above in order to renew. There are no medical questions at renewal and rates do not change based on your individual claims activity. Your premium will be the same rate as all persons of your same class.

LIFETIME COVERAGE

Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance plan by your 65th birthday and maintain continuous coverage to age 75. Prior to your 75th birthday you will receive a renewal form for continuing coverage. There is no medical underwriting, simply complete and return the renewal form with your premium.

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Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact Expat Financial for more information about your specific jurisdiction. SOME of the the above coverage is NOT available to residents in British Columbia, Canada or Florida. The policies via TFG Global Insurance Solutions Ltd. and its related web sites offer are not available to citizens currently residing in the USA.