Understanding Your Market. Exceeding Your Expectations.
It's rare to find an insurance provider that offers flexible, specialized products and associated services for the marine industry. Even rarer is to find a company with the dedication, resources and ability to professionally administer medical care benefits and deliver claims cost containment on a global basis. However, we understand the unique needs of marine crew professionals. In fact, the administrator has an entire marine division dedicated to it.
Our team has provided specialized insurance programs for captains, officers and crew members. One such program is the International Marine Medical InsuranceSM (IMMI) plan. This customizable plan offers medical coverage to groups of two or more marine crew professionals who live and work aboard ocean-going vessels.
The IMMI program, coupled with our expertise in marine claims, medical management, and international assistance services, will help you and your crew members properly prepare for injury or illness that occurs while on assignment.
With us, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. You need the proper worldwide coverage, provided by a company that's there for you when you need us most. When you select International Marine Medical InsuranceSM, you receive our promise to deliver exceptional medical benefits, medical assistance, and service- all designed to give you Global Peace of Mind®.
Plan Highlights
Customizable Solutions
The administrator offers the flexibility to customize benefits and is available in $US or EUR. Please contact your insurance producer for more information, and we will work closely with you to design a benefits package that meets your unique needs.
International Care Management
Our experienced medical management team can help coordinate care for your members who have highly complex cases requiring detailed management. These services include assisting with:
- Concurrent review and monitoring of services for medical necessity
- Coordination of the hospitalization and any necessary post-discharge care
Medical Travel Management
Giving the member who is contemplating non-emergency medical treatment in the United States the opportunity to be financially compensated for having the care rendered by qualified medical provider(s) outside the U.S. Following evaluation, a case manager will assist the member in identifying a qualified medical provider to provide the specified care. Upon approval, the case manager will coordinate the necessary services including patient care, travel, scheduling, and housing. When treatment is received outside of the U.S. and there is cost savings greater than $10,000 to the plan, the member will personally share in any cost savings that are realized.
The Administrator Advantage
Our Service, Strength, and Safety Solutions provide you with the ultimate advantage: Global Peace of Mind.
Service - Help when and where you need it.
Nobody wants to experience an emergency while traveling the world, but if you do, you’ll want a team you can trust to have your back. The administrator's expert staff is here for you 24/7. We’re accustomed to working in multiple time zones, languages, and currencies, so rest assured we have the training to assist you—even in remote and hazardous locations. Our international and U.S. provider networks include more than one million physicians and facilities across the globe, giving you access to quality care while away from your primary care team. Our innovative technology allows you to manage your claims, your account, and search for providers through our online portal and mobile app around the clock.
Strength - A market leader you can trust.
You can feel confident with the administrator knowing our industry expertise has led us to serve millions of customers worldwide since 1990. Owned by SiriusPoint, a multi-billion-dollar insurance industry leader and rated “A-” by A.M. Best, an independent analyst of the insurance industry, the administrator has a strong financial backing and vision to become the preeminent provider of travel and health safety solutions. With loyal customers ranging from Fortune 500 companies, universities, to individuals and other insurance companies, our personalized offerings allow us to meet the needs of nearly anyone traveling internationally.
Safety Solutions
Pursuing an education away from your home country is already stressful. We know your safety while studying abroad is important to you, so International Marine Medical InsuranceSM has solutions designed to protect you and give you Global Peace of Mind.
Physical Health
You can't plan when you get sick, and unfortunately, it can happen anytime and anywhere. Medical bills can be expensive, and our plans provide the cross-border medical coverage you need for unexpected medical care and routine visits.
Mental Wellness
Being away from your support system can be challenging. The administrator provides access to mental health services, like virtual counseling, to help with the transition as you adapt to cultural differences, adjust to a change in education, and navigate new relationships while you're away from loved ones.
Financial Protection
Costs can add up while seeking medical treatment. However, access to the administrator's international physician and provider networks and pharmacy discount programs can help you save on out-of-pocket medical expenses and prescription medications.
Crisis Support
Navigating an emergency in a foreign country is never easy. That's why the administrator offers a range of assistance benefits and services designed to support you in a crisis. a dedicated team of multilingual nurses, doctors, and case managers provide 24/7 assistance services to facilitate a response to urgent and emergency situations, such as evacuations or search and rescue missions.
Medical Benefits Summary
| Coverage Limit / Maximum Amount for Eligible Medical Expenses | ||||
|---|---|---|---|---|
| Maximum limit | $1,000,000/$5,000,000 per period of coverage | |||
Medical Concierge
| The Medical Concierge Service is a proprietary service of the administrator that helps an Insured Person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain Outpatient Treatments. Refer to the MEDICAL CONCIERGE provision for further details. | |||
| Benefit Plan Features | ||||
| Benefit Levels | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Deductible for Eligible Medical Expenses | ||||
| Deductible | $0 | $0 | $100 - $10,000 | $100 - $10,000 |
Family Deductible
| $0 | $0 | 3 deductibles | 3 deductibles |
| Coinsurance for Eligible Medical Expenses | ||||
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
| Out-of-pocket maximum | $0 | $0 | $1,000 | $0 |
| Precertification | ||||
| ||||
| Pre-existing Conditions Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Sudden and Unexpected Reoccurrence of Pre-existing Conditions
| Not applicable | 100% | 80% | 100% |
| Inpatient or Outpatient Services Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | 100% | 100% | 80% | 100% |
| Physician Visits / Services | Not applicable | 100% | 80% | 100% |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
| Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization / Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| COVID-19/SARS-CoV-2 Coverage | Charges for Treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. | |||
| Outpatient Surgical / Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | Not applicable | 100% | 80% | 100% |
| Radiology / X-Ray | 100% | 100% | 80% | 100% |
| Chemotherapy / Radiation Therapy | 100% | 100% | 80% | 100% |
| Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
| Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
| Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
|
Preventative Care NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
| Vision Care NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
Routine Eye Examination
| Maximum Limit every 24 months: $100 | |||
Corrective Lenses, Contacts, Frames
| Maximum Limit every 24 months: $150 | |||
| Prescriptions Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
Prescriptions
| Not applicable | 80% | 80% | 100% |
| Mental or Nervous, Substance Abuse and Counseling Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Lifetime Maximum | $20,000 | |||
| Inpatient Mental or Nervous / Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| Not applicable | 100% | 80% | 100% |
| Emergency Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
| Other Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
| |||
| Teleconsulation** | Company pays 100% | |||
Medical Travel Management
|
Medically Necessary non-emergency Treatment, including Hospitalization and Surgery for approved procedures, the Company will offer Medical Travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance Maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 80% | 100% |
Remote Mental Health Service*
| Company pays 100% | |||
*Coverage for Remote Mental Health Service is not a determination that any specific condition discussed, raised, or identified during such consultation is covered under this inurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised, or identified during a Consultation where the illness or injury is directly or indirectly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
** Teleconsultation will not support a diagnosis for Mental or Nervous disorders. Coverage for a Teleconsultation is not a determination that any specific condition discussed, raised, or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised, or identified during a Teleconsultation where the illness or injury is directly or indirectly related to any pre-existing condition or is otherwise excluded under this Certificate of Insurance.
Dental Benefits Summary
| Coverage Limit / Maximum Amount for Eligible Dental Expenses | ||
|---|---|---|
| Calendar year maximum limit | $1,000 - $1,500 - $3,000 | |
| Calendar Year Orthodontia Maximum Limit | $1,000 - $1,500 - $3,000 | |
Deductible
| $50 | |
Family deductible
| $150 | |
| Routine Services NOT Subject to Deductible and Coinsurance unless otherwise noted Eligible Expenses are limited to Usual, Reasonable and Customary Maximum Limits per Calendar Year or if indicated, per Lifetime | ||
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
| Minor Restorative Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
Radiographs
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
| Major Restorative Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
| Orthodontia Services Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
Orthodontia
| Plan pays 50% | Insured pays 50% |
Platinum Medical Benefits Summary
| Coverage Limit / Maximum Amount for Eligible Medical Expenses | ||||
|---|---|---|---|---|
| Period of Coverage | Maximum Limit: 365 days | |||
| Calendar Year Maximum Limit | Unlimited | |||
Medical Concierge
| The Medical Concierge Service is a proprietary service of the administrator that helps an Insured Person navigate the United States health care system to identify the highest quality providers for scheduled Inpatient and certain Outpatient Treatments. Refer to the MEDICAL CONCIERGE provision for further details. | |||
| Benefit Plan Features | ||||
| Benefit Levels | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Deductible for Eligible Medical Expenses | ||||
| Deductible | $0 | $0 | $0 | $0 |
| Coinsurance for Eligible Medical Expenses | ||||
Coinsurance
| Plan pays 100%, Member pays 0% | Plan pays 100%, Member pays 0% | Plan pays 80%, Member pays 20% | Plan pays 100%, Member pays 0% |
| Out-of-pocket maximum | $0 | $0 | $1,000 | $0 |
| Pre-certification | ||||
| ||||
| Pre-existing Conditions Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Pre-existing conditions are covered the same as any other illness or injury | ||||
| Inpatient or Outpatient Services Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | 100% | 100% | 80% | 100% |
| Physician Visits / Services | Not applicable | 100% | 80% | 100% |
Hospital Emergency Room: United States
| Not applicable | 100% | 80% | Not applicable |
| Hospital Emergency Room: International | Not applicable | Not applicable | Not applicable | 100% |
Hospitalization / Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| COVID-19/SARS-CoV-2 Coverage | Charges for Treatment resulting from COVID-19/SARS-CoV-2 are covered as any other illness covered under the policy. All other pandemic exclusions apply. | |||
| Outpatient Surgical / Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | Not applicable | 100% | 80% | 100% |
| Radiology / X-Ray | 100% | 100% | 80% | 100% |
| Chemotherapy / Radiation Therapy | 100% | 100% | 80% | 100% |
| Pre-Admission Testing | Not applicable | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
Second Surgical Opinion
| Not applicable | 100% | 80% | 100% |
| Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy & Newborn Care
| Not applicable | 100% | 80% | 100% |
Pregnancy Complications
| Not applicable | 100% | 80% | 100% |
| Durable Medical Equipment | Not applicable | 100% | 80% | 100% |
Podiatry Care
| Not applicable | 100% | 80% | 100% |
Chiropractic Care (Outpatient)
| Not applicable | 100% | 100% | 100% |
Chiropractic Care (Inpatient)
| Not applicable | 100% | 80% | 100% |
Physical Therapy
| Not applicable | 100% | 100% | 100% |
Occupational Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
|
Preventative Care NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Adult Preventative Care
| Not applicable | 100% | 100% | 100% |
Child Preventative Care
| Not applicable | 100% | 100% | 100% |
| Vision Care Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
Routine Eye Examination
| Maximum limit every 24 months: $100 | |||
Corrective Lenses, Contacts, Frames
| Maximum limit every 24 months: $150 | |||
| Prescriptions Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
United States Retail Pharmacy
| Universal Rx (URX) Prescription Drug Card MUST be utilized for all outpatient prescription drugs in the United States. Retail Pharmacy Copayments: Generic: $5 Higher-cost generic and brand: $15 Non-preferred brand name: $30 | |||
International Prescriptions
|
Coinsurance: 100% Subject to Deductible and Coinsurance Dispensing maximum: 90 days per prescription Expatriate Prescription Services Program: Generic: $5 Brand name: $15 Copayments are per 30-day supply Dispensing maximum: 180 days per prescription Contact Information:
| |||
| Mental or Nervous, Substance Abuse and Counseling Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Lifetime Maximum | $20,000 | |||
| Inpatient Mental or Nervous / Substance Abuse | 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| Not applicable | 100% | 80% | 100% |
| Emergency Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
| Other Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||||
Accommodation Benefit
| Not applicable | 100% | 100% | 100% |
Crew Member Return
| Not applicable | 100% | 100% | 100% |
Amateur Sailboat Racing
| Not applicable | 100% | 80% | 100% |
Emergency Dental
| Not applicable | 80% | 80% | 100% |
| Teleconsultation** | Company pays 100% | |||
Traumatic Dental Injury
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
| |||
Remote Mental Health Service*
| Company pays 100% | |||
Medical Travel Management
|
Medically Necessary non-emergency Treatment, including Hospitalization and Surgery for approved procedures, the Company will offer Medical Travel as a means to manage the costs. If Medical Travel is approved, the Company will reimburse 10% of the cost savings, up to a maximum of $7,500 back to the Insured Person where such savings arise from Treatment outside of the United States. Meal allowance Maximum: $100 Refer to the MEDICAL TRAVEL MANAGEMENT provision for further details and requirements. | |||
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
Recreational Underwater Activities
| Not applicable | 100% | 80% | 100% |
Non-Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Platinum Dental Benefits Summary
| Coverage Limit / Maximum Amount for Eligible Dental Expenses | ||
|---|---|---|
| Calendar year maximum limit | $1,500 - $3,000 | |
| Calendar Year Orthodontia Maximum Limit | $1,500 - $3,000 | |
Deductible
| $50 | |
Family deductible
| $150 | |
| Routine Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
| Minor Restorative Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
Radiographs
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
| Major Restorative Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
| Orthodontia Services Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
Orthodontia
| Plan pays 50% | Insured pays 50% |
Description of Services
Teleconsultation
- Online and telephonic access to a network of medical professionals available to diagnose, treat and prescribe for non-emergency medical issues. The best medicine brought to you and your family 24 hours a day, seven days a week.
Remote Mental Health Services
- Telemedicine for mental health that offers support with financial, physical, and emotional wellbeing. Whether you have questions about handling stress at work or home, parenting and childcare, managing money or health issues, you can turn to this valuable benefit for a confidential service that you can trust.
Group Life Insurance (Optional)
Group Life benefit includes:
- Term Life Insurance Benefit
- Accidental Death Benefit
- Dismemberment Benefit
10 or fewer employees:
- $10,000 minimum required
Automatically approved up to $100,000 if member is approved for the IMMI medical plan
- Additional underwriting $100,001-$250,000
Group Life can be issued as a flat amount
(e.g. $50,000) or by salary (e.g. 2x salary)
Group Life Reduction Schedule
- Under age 65: Full amount payable
- Ages 65-69: 35% reduction
- Ages 70-74: 55% reduction
- Ages 75-79: 70% reduction
- Age 80+: 80% reduction
International Marine Medical Insurance is a fully insured group benefit plan. The medical portion of the benefit plan is underwritten by Crum & Forster SPC, a member of the Crum & Forster Group of Companies and is available to members of the Fairmont Specialty Trust, LTD, c/o ITA Global Trust LTD, Camana Bay, Grand Cayman. **The Life portion of the benefit plan is underwritten by International Medical Insurance Group via Alstead Re, a segregated cell company distributed, managed and administered, as agent for IMIG, by International Medical Group®, Inc. (IMG®).
Administrator
IMG9200 Keystone Crossing
Suite 800
Indianapolis, IN 46240
FOR ADDITIONAL INFORMATION
Climax Travel & TourPresidential Floor Movenpick, Independence Avenue Ridge
Accra, Great Accra 00233
Ghana
Phone: (+233)500029871
Website: climax.brokersnexus.com
All coverage and benefits in the plan are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary charges. This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
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