Additional Insurance Information
Things you need to know about the UMVIM Travel Medical Insurance:
NO MATTER HOW SMALL THE INJURY OR ILLNESS DURING THE MISSION--AND EVEN IF YOU DECIDE NOT TO SEEK ANY MEDICAL ATTENTION--CONTACT IMG TO DOCUMENT THE INCIDENT.
Team leaders should provide each team member a copy of their personalized IMG insurance ID card. Information and insurance cards are sent to the team leader approximately 1-2 weeks before departure. If you have not received your cards in this time frame, contact the UMVIM, SEJ office at 205-453-9480. All information should be read in its entirety, as it could be the difference in being prepared or not in the event of an emergency.
Your Travel Medical Insurance coverage will begin and end on the date as indicated on the team leader’s registration when insurance was purchased.
The IMG policy will pay eligible expenses secondary to any coverage you already have in place. If there is no other coverage, it will pay primary. There is a $50 per occurrence deductible.
- Co-insurance outside the United States and Canada: After you pay the deductible, the program pays 100% to the selected Maximum
There are situations where IMG has worked out a direct billing relationship with providers all over the world, but team members can't just decide they want that. They would have to go to a location where IMG already had a relationship established. Also, IMG has a network of over 800,000 providers in their global database. A traveler can get to that by going to www.imglobal.com/provider. This info is on the back of each ID card as well.
If you need to find a provider or use the insurance for any reason due to an incident during your mission, call the numbers on your ID card as follows (24 hour emergency assistance services):
- Outside the United States: +1-317-655-450 (collect)
Failure to utilize IMG to arrange service will result in denial of benefits. Please understand the necessity of contacting IMG at the time of the emergency, even if the team member declines local treatment (sprained ankle, etc.). If it flares up in the once the team has returned to the United States and IMG has no record of the incident, they can/will decline coverage.
Charges incurred outside of the United States may be settled out-of-pocket by the team member and submitted to IMG for reimbursement.
Documents required for submitting a claim are as follows:
- Completed Claim Form
- Receipts for payments made
- Any other supporting medical documentation provided
All Claims should be filed within 90 days from the date of service and Claims documents may be submitted via postal mail, fax, or email attachment to:
International Medical Group (IMG)
PO Box 9162
Farmington Hills, MI 48333-9162
Fax: (+1) 317-655-4505