G LO B A L M E D I C A L I N S U R A N C E®

Plan Options:
Bronze
Silver
Gold
Platinum

LONG-TERM, WORLDWIDE MEDICAL INSURANCE

PROGRAM FOR INDIVIDUALS AND FAMILIES.

WWW.IMGLOBAL.COM
Global Medical Insurance®
Worldwide Coverage. World-Class Services.
Being a global citizen can be an exciting experience, but it also With IMG, you will rest assured knowing that we have a
comes with potential complications. Your health care while dedicated department working to keep your insurance as
traveling should not be one of those concerns. With Global affordable as possible. The costs of health care are rising, but
Medical Insurance, a revolutionary program from International we are committed to controlling those costs. As part of that
Medical Group® (IMG®), you will receive the worldwide medical commitment, IMG offers a Medical Concierge program, an
coverage you need, backed by the world-class services you unparalleled service that saves you on out-of-pocket medical
expect. expenses. We also offer a cash incentive, waiving 50% of your
deductible for choosing to receive treatment from some of the
Global Medical Insurance allows you to choose from several
best medical facilities outside the United States.
plan options, area of coverage, multiple deductibles, and modes
of payment. With your medical history in mind, the program You need the proper worldwide coverage, provided by a
provides different underwriting methods to extend medical company that’s there for you when you need us most. When
coverage to you that may be declined by other companies. you select Global Medical Insurance, you receive IMG’s promise
to deliver exceptional medical benefits, medical assistance, and
service — all designed to give you Global Peace of Mind®.
Why IMG?
Since 1990, IMG has provided global benefits and assistance services to millions of members in nearly every country. We’re committed
to being there with our members wherever they may be in the world, delivering Coverage Without Boundaries®. With 24/7 medical
management services, multilingual claims administrators and highly trained customer service professionals, IMG is confident in its
ability to provide the products international members need, backed by the services they want.

GLOBAL SUPPORT. FINANCIAL STABILITY.

With offices and partners across the globe, IMG Owned by Sirius International Insurance Group
provides the support you need, when you need it. — an A-rated, $2.6 billion global enterprise —
In fact, it is our corporate mission to be there to IMG offers the financial security and reputation
protect and enhance your health and well-being. demanded by international consumers.

SERVICE WITHOUT OBSTACLES. ACCESSIBLE TECHNOLOGY.

With a team of international, multilingual Log on to the secure, 24-hour online portal,
specialists, we are accustomed to working in MyIMGSM, to submit and view your claims, manage
multiple time zones, languages and currencies. your account, search for providers, live chat with
Our global reach means we can work without representatives and more.
barriers.

INTERNATIONAL EMERGENCY CARE.

INTERNATIONAL PROVIDER ACCESSSM (IPA). When you’re away from home and a medical
In addition to the expansive UnitedHealthcare PPO emergency occurs, you may not be able to wait for
network available for treatment received within regular business hours. With our on-site medical
the U.S., our proprietary IPA network of more than staff, you have 24-hour access to highly qualified
17,000 accomplished physicians and facilities coordinators of emergency medical services and
allows you to access quality care worldwide. Our international treatment.
direct billing arrangements can also ease the time
and upfront expense at select providers.

Why Global Medical Insurance?

„„ Plan Flexibility - Multiple plan options and payment „„ Preventative Care - No waiting period on wellness
modes to fit your budget benefits
„„ Choice of Coverage Area - Worldwide or Worldwide „„ Healthy Travel Preventative Coverage - Receive
Excluding the U.S., Canada, China, Hong Kong, Japan, vaccinations and preventative prescriptions prior to
Macau, Singapore and Taiwan departure
„„ Freedom to Choose - Select your own health care „„ Pre-Existing Condition Waiver - For individuals with
provider, no matter where you are in the world proof of comprehensive health insurance and no
significant break in coverage (63 days)
„„ Travel Intelligence - Receive location-specific alerts on
health, transportation, security and weather
„„ Assistance Services - (i.e., Evacuations, Return of Mortal
Remains, Emergency Reunion) Available on all plans at no
additional charge

A Company and a Program

Designed to Meet Your Needs
3
 Summary Schedule of Benefits Charges and expenses incurred by the Insured Person during the Period of Coverage
with respect to an Illness or Injury suffered or sustained by the Insured Person
The following is a summary schedule of benefits for eligible medical expenses. during the Period of Coverage and while this Certificate is in effect, so long as the
Charges are Usual, Reasonable and Customary and are incurred for Treatment or
supplies that are Medically Necessary (“Eligible Medical Expenses”).

BENEFIT BRONZE SILVER GOLD PLATINUM

Lifetime Maximum Limit $1,000,000 per individual $5,000,000 per individual $5,000,000 per individual $8,000,000 per individual

Deductible (Per period of coverage) $250 to $10,000 $250 to $10,000 $250 to $25,000 $100 to $25,000

Deductible Carry Forward Included Included Included Included

50% of deductible waived, 50% of deductible waived, 50% of deductible waived, 50% of deductible waived,
Treatment outside the U.S. up to a maximum of $2,500. up to a maximum of $2,500. up to a maximum of $2,500. up to a maximum of $2,500.
No coinsurance No coinsurance No coinsurance No coinsurance
50% of deductible waived, 50% of deductible waived, 50% of deductible waived, 50% of deductible waived,
Treatment inside the U.S.
up to a maximum of $2,500. up to a maximum of $2,500. up to a maximum of $2,500. up to a maximum of $2,500.
using Medical Concierge No coinsurance No coinsurance No coinsurance No coinsurance

Treatment inside the U.S. - Subject to deductible. Subject to deductible. Subject to deductible. Subject to deductible.
PPO Network No coinsurance No coinsurance No coinsurance No coinsurance

Subject to deductible. Subject to deductible. Subject to deductible. Subject to deductible.

Plan pays 80% of the next $5,000 Plan pays 80% of the next $5,000 Plan pays 80% of the next $5,000 Plan pays 80% of the next $5,000
Treatment inside the U.S. -
of eligible expenses, then 100% to of eligible expenses, then 100% to of eligible expenses, then 100% to of eligible expenses, then 100% to
Non-PPO Network the overall maximum per period of the overall maximum per period of the overall maximum per period the overall maximum per period
coverage coverage of coverage of coverage
International - 100% International - 100% International - 100% International - 100%
Coinsurance U.S. in-network – 100% U.S. in-network – 100% U.S. in-network – 100% U.S. in-network – 100%
U.S. out-of-network - 80% U.S. out-of-network - 80% U.S. out-of-network - 80% U.S. out-of-network - 80%
$300 maximum per visit - lab
tests; $250 maximum per visit
-diagnostic X-rays
$300 maximum per visit - lab
tests; $250 maximum per visit - 25 combined maximum visits
diagnostic X-rays $70 per visit/examination -
specialists/physician charges
$500 maximum limit - specialists/ $50 per visit/examination - Subject to deductible and Subject to deductible and
Outpatient physician charges (pre-inpatient / coinsurance coinsurance
chiropractor charges
post-inpatient) $500 per consultation -
surgery intervention consultation
Subject to deductible and charges
coinsurance
Subject to deductible and
coinsurance

Subject to deductible and Subject to deductible and

Subject to deductible and
coinsurance. coinsurance.
coinsurance.
Mental/Nervous NA
Outpatient after 12 months of
$10,000 maximum. $50,000 lifetime maximum.
Available after 12 months of Available after 12 months of
continuous coverage
continuous coverage continuous coverage

Hospital Emergency Room Subject to deductible and Subject to deductible and Subject to deductible and Subject to deductible and
Injury coinsurance coinsurance coinsurance coinsurance

Subject to deductible and Subject to deductible and Subject to deductible and

Subject to deductible and
Hospital Emergency Room coinsurance. coinsurance. coinsurance.
coinsurance. Covered only if
Illness Additional $250 deductible Additional $250 deductible Additional $250 deductible
admitted as inpatient
if not admitted as an inpatient if not admitted as an inpatient if not admitted as an inpatient

Subject to deductible and

Subject to deductible and coinsurance for average semi- Subject to deductible and Subject to deductible and
Hospitalization/
coinsurance for average semi- private room rate. coinsurance for average semi- coinsurance for average private
Room & Board private room rate All subject to $600 per day /240 day private room rate room rate
maximum

Subject to deductible and

Subject to deductible and coinsurance. Subject to deductible and Subject to deductible and
Intensive Care Unit coinsurance $1,500 limit per day - 180 days of coinsurance coinsurance
coverage per event

Benefits are subject to exclusions and limitations. This is only a summary and does not supersede
in any way the Certificate of Insurance and governing policy documents (together the “Insurance
Contract”). The Insurance Contract is the only source of the actual benefits provided.
4
 Summary Schedule of Benefits
(CONTINUED)

BENEFIT BRONZE SILVER GOLD PLATINUM

CAT Scans, MRI, Subject to deductible and Subject to deductible and
Echocardiography, coinsurance coinsurance Subject to deductible and Subject to deductible and
Endoscopy, $600 maximum limit per $600 maximum limit per coinsurance coinsurance
Gastroscopy, Cystoscopy examination examination

Subject to deductible and Subject to deductible and Subject to deductible and Subject to deductible and
Surgery coinsurance coinsurance coinsurance coinsurance

Assistant Surgeon 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge 20% of primary surgeon’s charge

Chemotherapy or Subject to deductible and Subject to deductible and Subject to deductible and Subject to deductible and
Radiation Therapy coinsurance coinsurance coinsurance coinsurance

$2,500 additional deductible per

pregnancy.
Maternity $50,000 lifetime maximum.
Delivery, preventative care, newborn care $200 newborn preventative care
& congenital disorders, Family Matters NA NA NA benefit for the first 31 days -12
Maternity Program (available after 10 months after birth.
months of coverage) $250,000 maximum for newborn
care & congenital disorders for
the first 31 days after birth

Podiatry Care NA NA $750 maximum limit $750 maximum limit

Subject to deductible and

coinsurance. Subject to deductible and
Subject to deductible and Subject to deductible and
$40 maximum per visit - 10 coinsurance.
Physical Therapy visit limit per event. Available $40 maximum per visit -
coinsurance. coinsurance.
$50 maximum per visit $50 maximum per visit
for 90 days following inpatient 30 visit limit
treatment or outpatient surgery

Transplants $250,000 lifetime maximum $250,000 lifetime maximum $1,000,000 lifetime maximum $2,000,000 lifetime maximum

Subject to deductible and

International - 100%
coinsurance. Subject to deductible and
Subject to deductible and Inside U.S. - Prescription drug card
Available for 90 days following coinsurance.
coinsurance. co-pay: $20 for generic / $40 for
Prescription Coverage related inpatient treatment or 90-day supply per prescription
90-day supply per prescription brand name where generic is not
outpatient surgery. following related covered event
available.
$600 outpatient maximum limit
90-day supply per prescription
per event
$250 lifetime maximum. $250 lifetime maximum. $250 lifetime maximum. $250 lifetime maximum.
Not subject to deductible Not subject to deductible Not subject to deductible Not subject to deductible
or coinsurance. Applies to or coinsurance. Applies to or coinsurance. Applies to or coinsurance. Applies to
vaccinations and preventative vaccinations and preventative vaccinations and preventative vaccinations and preventative
Healthy Travel
prescription drugs administered prescription drugs administered prescription drugs administered prescription drugs administered
Preventative Coverage by a physician within 30 days by a physician within 30 days by a physician within 30 days by a physician within 30 days
prior to the insured person’s prior to the insured person’s prior to the insured person’s prior to the insured person’s
initial effective date and before initial effective date and before initial effective date and before initial effective date and before
departing to any destination departing to any destination departing to any destination departing to any destination

$100 maximum per 24 months for

Vision Optional Rider Optional Rider Optional Rider exams. $150 per 24 months for
materials

Emergency Local $1,500 maximum limit per event. $1,500 maximum limit per event.
Ambulance Subject to deductible and Not subject to deductible or
Not subject to deductible or Not subject to deductible or
(Injury or Illness resulting in an inpatient coinsurance coinsurance
coinsurance coinsurance
hospital admission)

$50,000 maximum per period $50,000 maximum per period Up to lifetime maximum limit. Up to maximum limit.
Emergency Evacuation of coverage. Not subject to of coverage. Not subject to Not subject to deductible or Not subject to deductible or
deductible or coinsurance deductible or coinsurance coinsurance coinsurance

$10,000 lifetime maximum. $10,000 lifetime maximum. $10,000 lifetime maximum.

Emergency Reunion Not subject to deductible or NA Not subject to deductible or Not subject to deductible or
coinsurance coinsurance coinsurance

Benefits are subject to exclusions and limitations. This is only a summary and does not supersede
in any way the Certificate of Insurance and governing policy documents (together the “Insurance
Contract”). The Insurance Contract is the only source of the actual benefits provided.
5
 Summary Schedule of Benefits
(CONTINUED)

BENEFIT BRONZE SILVER GOLD PLATINUM

Interfacility Ambulance $1,500 maximum limit per event.

$1,500 maximum limit per event. Subject to deductible and Not subject to
Transfer (Transfer from one licensed Not subject to deductible or
Not subject to deductible or coinsurance. deductible or coinsurance.
health care facility to another licensed coinsurance.
coinsurance. U.S. only U.S. only U.S. only
health care facility) U.S. only

Political Evacuation
NA NA NA $10,000 lifetime maximum
and Repatriation
$5,000 per period of coverage
up to $20,000 lifetime maximum.
Remote Transportation NA NA NA
Not subject to deductible or
coinsurance

$10,000 lifetime maximum. $25,000 lifetime maximum. $25,000 lifetime maximum. $50,000 lifetime maximum.
Return of Mortal Remains Not subject to deductible or Not subject to deductible or Not subject to deductible or Not subject to deductible or
coinsurance coinsurance coinsurance coinsurance

$500 maximum limit per period of $500 maximum limit per period of
Complementary Medicine NA NA
coverage coverage

Traumatic Dental Injury $1,000 per period of coverage $1,000 per period of coverage Up to the lifetime maximum limit Up to the lifetime maximum limit
Treatment at a hospital facility

Treatment Due to
Unexpected Pain to Sound, NA NA $100 per period of coverage 100%
Natural Teeth
Non-Emergency Treatment
See Non-Emergency Dental
at a Dental Provider due to NA NA $500 per period of coverage
benefit
an Accident
$750 maximum per period of cov-
erage; $50 individual deductible,
Non-Emergency Dental Optional Rider Optional Rider Optional Rider
applies to minor restorative and
major restorative services

Private Hospitals: $400 maximum Private Hospitals: $400 maximum Private Hospitals: $400 maximum Private Hospitals: $400 maximum
limit per overnight and $4,000 limit per overnight and $4,000 limit per overnight and $4,000 limit per overnight and $4,000
maximum limit per period of maximum limit per period of maximum limit per period of maximum limit per period of
Hospital Indemnity coverage coverage coverage coverage
(Inpatient hospitalization outside the Public Hospitals: $500 maximum Public Hospitals: $500 maximum Public Hospitals: $500 maximum Public Hospitals: $500 maximum
U.S. only) limit per overnight and $5,000 limit per overnight and $5,000 limit per overnight and $5,000 limit per overnight and $5,000
maximum limit per period of maximum limit per period of maximum limit per period of maximum limit per period of
coverage. Not subject to coverage. Not subject to coverage. Not subject to coverage. Not subject to
deductible or coinsurance deductible or coinsurance deductible or coinsurance deductible or coinsurance

$300 of eligible medical expenses

$500 maximum limit per accident.
following an accident . Not
Supplemental Accident NA NA
subject to
Not subject to deductible and
coinsurance
deductible or coinsurance

Adult Preventative Care $250 per period of coverage. $500 per period of coverage.
(Age 19 or older) NA NA Not subject to deductible or Not subject to deductible or
coinsurance. coinsurance.

Child Preventative Care $70 maximum per visit, 3

$200 per period of coverage. $400 per period of coverage.
visit limit per period of coverage.
(Through age 18) NA Not subject to deductible or Not subject to deductible or
Not subject to deductible or
coinsurance. coinsurance.
coinsurance.

$50,000 lifetime maximum; $5,000 $50,000 lifetime maximum; $5,000

per period of coverage for per period of coverage for
Pre-Existing Conditions Covered if disclosed and not
Excluded unknown conditions. Available unknown conditions. Available
Limitation* excluded by rider
after 24 months of continuous after 24 months of continuous
coverage* coverage*

*If applicants can verify their prior comprehensive health insurance, with no significant break Benefits are subject to exclusions and limitations. This is only a summary and does not supersede in any
in coverage (63 days), IMG may accept this as Creditable Coverage and provide a pre-existing way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”).
conditions waiver (final decision is subject to Underwriters approval). Creditable Coverage is defined The Insurance Contract is the only source of the actual benefits provided.
as a group health plan provided by a U.S. employer or Health Insurance Issuer, individual major
medical health insurance provided by a Health Insurance Issuer, or other Public Health Plan (any
comprehensive health plan established or maintained by a State or the U.S. government).

6
Optional Coverage
Global Medical Insurance is designed to help protect individuals and families from the high cost of medical expenses. In addition to
tailored benefits packages, the program offers several optional coverages. You may review and choose the options that meet your needs.

RIDER DESCRIPTION
Age 31 days - 18 years: $5,000
Age 19 - 29 years: $75,000
Age 30 - 39 years: $50,000
Global Term Life Insurance Age 40 - 44 years: $35,000
(Amounts shown are the Age 45 - 49 years: $25,000
Principal Sums per unit) Age 50 - 54 years: $20,000
Age 55 - 59 years: $15,000
Age 60 - 64 years: $10,000
Age 65 - 69 years: $7,500
Accidental Loss of Life: Principal Sum*
Accidental Death &
Dismemberment (AD&D) - Accidental Total Loss of 2 Members**: Principal Sum*
included with Global Term Accidental Total Loss of 1 Member**: 50% of Principal Sum*
Life Insurance
(* Benefit based on age at time of death ** “Member” means hand, foot or eye)

$50,000 lifetime maximum for Eligible Medical Expenses arising out of

Terrorism
injury or illness incurred by the Insured as a result of or in connection
(Platinum plan option)
with an act of terrorism
(Refer to rider for more details)

Sports $10,000 lifetime maximum for amateur athletics

(Gold and Platinum plan
Adventure Sports:
options)
Through age 49 years: $50,000 lifetime maximum
(Refer to rider for a
comprehensive list of sports Age 50 years through age 59 years: $30,000 lifetime maximum
excluded) Age 60 years through age 64 years: $15,000 lifetime maximum

Dental
$750 per period of coverage Vision
Dental & Vision $50 deductible (max. 2 per family) Exams - up to $100
(Bronze, Silver, and Gold plan Routine services - 90% (deductible is waived), per 24 months
options) Minor restorative - 70%, Materials - up to $150
Major restorative- 50% per 24 months
6 month waiting period

Benefits are subject to exclusions and limitations. This is only a summary and does not supersede
in any way the Certificate of Insurance and governing policy documents (together the “Insurance
Contract”). The Insurance Contract is the only source of the actual benefits provided.
7
Comprehensive World-Class Services
„„ Medical Concierge
Whether you are seeking care at a local facility or in an unfamiliar
location, quality of care is a primary concern. IMG’s Medical Concierge
program is designed to provide you with critical information and to assist
you in making the right decision for treatment. Your personal Medical
Concierge will review your specific non-emergency medical condition
and provide you with information on provider ratings, past outcomes
and general costs — all in the area where you are planning treatment.

You will be entitled to receive a reduction in your deductible for

utilizing this unique medical service while in the United States. This
level of individualized service is unmatched in the international
arena.

„„ MyIMGSM Travel Intelligence & Member Tools

It’s easy to access and manage your IMG accounts any time, from
anywhere and any device, via MyIMG.

With MyIMG Travel Intelligence, you can get location-specific alerts

across ten threat categories that span health, transportation, security,
and weather. Leverage location-specific travel intelligence like travel
tips, tools, and key insights from local analysts.

Additional MyIMG features include:

»» Claims submission and management

»» ID Card and insurance documents access
»» Precertification process initiation
»» Explanation of Benefit (EOB) access
»» Customer Care live chat and contact information
»» Find a Doctor locator
„„ Teladoc
Teladoc provides access to a national network of board-certified
doctors and pediatricians in the U.S. who are available 24 hours a
day, seven days a week, 365 days a year to help diagnose, treat and
prescribe medication (when necessary and available) for many non-
emergent medical issues via phone or online video consultations.
Teladoc does not replace existing primary care physician
relationships, but supplements them as a convenient, affordable
alternative for non-emergency medical care. The use of Teladoc will
be considered as treatment inside the U.S. - PPO Network. (Available
only when Worldwide coverage is purchased)

„„ Universal Rx Pharmacy Discount Savings

This discount savings program allows you to purchase prescriptions
at one of over 35,000 participating pharmacies in the U.S. and receive
the lower of 1) Universal Rx contract price or 2) the pharmacy regular
retail price. This program is not insurance coverage. It is purely a
discount program.

„„ eDocAmerica
The Platinum plan option offers you direct access to eDocAmerica,
a worldwide medical information service, which allows you to
communicate with licensed physicians, psychologists, pharmacists,
dentists, dieticians and fitness trainers free of charge 24 hours a day.
eDocAmerica’s services result in saved office visits, peace of mind,
confidence to act, and ultimately an informed, empowered member.

„„ The Family Matters® Maternity Program

This program is designed to provide you with educational
information on your pregnancy, and suggestions for a healthy
lifestyle for the expecting mom and family. A complimentary copy of
the book “What to Expect When You’re Expecting” is provided to help
answer the day-to-day questions faced by all expectant families. This
program can also assist you in early detection of potential pregnancy
complications, and encourage proper prenatal medical treatment.
(Available on the Platinum plan option only)

„„ Global Concierge
The Platinum plan option provides you with more than just insurance
protection. You also have exclusive access to a list of additional
emergency travel assistance services handled by a dedicated service
team available 24/7. Some of the assistance services provided
include:
»» Emergency travel »» Emergency prescription
arrangements replacement
»» Lost passport/travel »» Medical referrals
documents assistance »» 24-hour medical monitoring
»» Lost luggage assistance »» Emergency cash transfer and
»» Embassy or consulate emergency translations
referrals »» Legal referrals
»» Emergency message relay
CO V E R AG E
you can count on,
WITH 24/7 SERVICE
ANYWHERE IN THE WORLD

Eligibility
Global Medical Insurance is available to individuals and families of all nationalities. U.S.
citizens must plan to be residing outside the U.S. on or before their effective renewal dates,
and for at least six (6) out of the next 12 months. Additional eligibility restrictions apply to
non-U.S. citizens residing in the United States. Persons from the ages of 14 days to 74 years
may apply for coverage, up until the age of 75. Persons 75 years of age and older are not
eligible for coverage. Please see a sample contract for further details.

Lifetime Coverage
Lifetime medical coverage is available if you are enrolled in the Global Medical Insurance
program by your 65th birthday and maintain continuous coverage to age 75. Prior to your
75th birthday you will receive a summary of benefits for the Global Senior Plan®, and an
enrollment form for coverage. There is no additional medical underwriting. You simply need
to review the benefits, and promptly complete and return the enrollment form with your
premium.

Enrollment
To apply for Global Medical Insurance, simply complete and return the application. If you
are applying as a family, you may include yourself, your spouse and dependents on one
application. If you have dependents who are 19 and older, you must complete a separate
application for those individuals. You must accurately complete all questions outlined in the
application in order to be considered for coverage.
If approved, you will receive a fulfillment kit, which includes an identification card, declaration
of insurance and a Certificate Wording containing a complete description of benefits,
exclusions, and terms of the plan. You are required to notify IMG, as required by the terms of
the plan, if you or any family member suffers from or is treated for any illness, injury, or other
medical condition between the time of your application and the issuance of the certificate.
If your application is not approved, you will receive a full refund of any premium received
by IMG. For additional ­information, please contact your independent insurance producer.

Quality Guarantee
To ensure your satisfaction, once you are accepted in the plan, we provide a 15-day free
look period to review the coverage. If during that 15-day period you find that you are not
satisfied with the plan for any reason, you may submit a written request for cancellation and
a full refund of your premium received by IMG. See the Certificate Wording for full details.

IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance
is not subject to, and does not provide benefits required by PPACA. Since January 1, 2014, PPACA requires U.S. citizens, U.S. nationals and certain
U.S. residents to obtain PPACA compliant insurance coverage unless they are exempt from PPACA. Penalties may be imposed on persons who
are required to maintain PPACA compliant coverage but do not do so. Eligibility to purchase, extend or renew this product, or its terms and
conditions, may be modified or amended based upon changes to applicable law, including PPACA. Please note that it is an insured person’s
sole and exclusive responsibility to determine the insurance requirements applicable to them, and the Company and IMG shall have no liability
whatsoever, including for any penalties a person may incur, for failure to obtain coverage required by any applicable law including without
limitation PPACA. For information on whether PPACA applies to you or whether you are eligible to purchase Global Medical Insurance, please see
IMG’s Frequently Asked Questions at imglobal.com/en/client-resources/PPACA-FAQ.aspx.

10
11
 WORRY LESS. EXPERIENCE MORE.

International Medical Group®

P.O. Box 88509
Indianapolis, IN 46208-0509 USA
Telephone: +1.317.655.9799
or +1.866.368.3724
Fax: +1.317.655.4505
Email: [email protected]

Producer Contact Information

Bright Lighthouse Insurance,LLC

Simone da Silva - Agency Owner
Doral, FL 33178
Phone: 786-277-1870
[email protected]
http://www.brightlighthouseinsurance.com

This invitation to inquire allows eligible applicants an opportunity to seek information about
the insurance offered and is limited to a brief description of any loss for which benefits may
be payable. Benefits are offered as described in the insurance contract. Benefits are subject to
all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the
insurance contract.
Certain contracts do contain a pre-existing condition exclusion and do not cover losses or
expenses related to a pre-existing condition.
This brochure contains many of the valuable trademarks, names, titles, logos, images, designs,
copyrights and other proprietary materials owned and registered and used by of International
Medical Group, Inc. and its representatives throughout the world. © 2007-2019 International
Medical Group, Inc. All rights reserved.
Capitalized terms are defined in the Certificate of Insurance.

WWW.IMGLOBAL.COM 0119
CM00500776A190722