International Marine Medical Insurance^SM

A worldwide benefits program designed for groups of two or more professional marine captains and crew

All coverage and benefits in this policy 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 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. *Must be coordinated by the the company

As a complement to the medical benefits, IMMI offers the following supplemental insurance programs. All amounts are in U.S. dollars.

• 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. 2 x salary)


• Group Life Reduction Schedule
• Less than age 65: Full amount payable
• Ages 65-69: 35% reduction
• Ages 70-74: 55% reduction
• Ages 75-79: 70% reduction
• Age 80+: 80% reduction

The ability to access quality health care is essential when a medical emergency arises abroad. From routine medical care and check-ups to complex case management and medical evacuations, we are there to offer our expertise in cost containment and our unique blend of services, including:

The key to successfully managing rising health care costs is early identification of catastrophic cases, and then taking action to manage those cases. Precertification is used as a key tool for this early identification of a member’s entry into the health care system. This allows our medical staff to be proactive in working with both the member and the providers, assuring delivery of health care in the most appropriate and cost-effective manner.

The key to successfully managing rising health care costs is early identification of catastrophic cases, and then taking action to manage those cases. Precertification is used as a key tool for this early identification of a patient's entry into the health care system. This allows our medical staff to be proactive in working with both the patient and the providers assuring delivery of health care in the most appropriate and cost-effective manner.

Prior to receiving treatment, members will need to precertify the following procedures to avoid a reduction in benefits:

• In-patient treatment
• Inter-facility transfer
• Maternity
• Surgery or surgical procedure
• Treatment in an extended care facility
• Home nursing care
• Chemotherapy
• Radiation Therapy
• All transplants

The Medical Travel Management benefit offers the member who is contemplating non-emergency medical treatment in the United States the opportunity to be financially compensated for having that care rendered by a qualified medical provider(s) outside of the U.S.

When treatment is received outside of the U.S., and there is greater than $10,000 cost savings to the Plan, the member will personally share in any cost savings that are realized. The cost savings are calculated using the average U.S. cost of the medical service compared to the actual cost of the medical procedure and associated medical travel costs performed by the non-U.S.-based provider(s).

Our medical staff will help coordinate care for your members who have highly complex cases requiring detailed management. These services may include assisting with:

• Concurrent review and monitoring of services for medical necessity
• Coordination of the hospitalization and any necessary post-discharge care

We are confident that IMMI will provide quality medical coverage specific to your organization’s and group members’ needs. For groups of a certain size, IMMI also offers the flexibility to customize benefits. Please contact us for more information. Our reputation for excellence has been built on providing top-tier programs to organizations like yours around the world, and we will work closely with you to design a benefits package to meet your unique needs.

IMG^TM
P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA

Insubuy^®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470

Web site: insubuy.com