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International Marine Medical Insurance

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

1 Day to 365 Days

Understanding Your Market. Exceeding Your Expectations.

It is rare to find an insurance provider that offers flexible, specialized products and associated services for the marine industry. It is rarer still to find a company with the dedication, resources and ability to professionally administer health care benefits and deliver claims cost containment on a global basis. However, we understand the unique needs of marine crew professionals. In fact, we have an entire marine division dedicated to serving those in this important business segment.

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 comprehensive 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 sudden injury or illness that occur while on assignment. But we provide more than just insurance; we provide the Global Peace of Mind® marine crew professionals deserve, backed by a team of professionals committed to being there when you need us.

Medical Benefits Summary

Maximum Limit$5,000,000 per period of coverage
Benefit LevelsUnited States
In-Network
United States
Out-of-Network
International
International
Deductible Options$0$100 - $10,000$100 - $10,000
Deductible per Family
Maximum three deductibles per family
$03 deductibles3 deductibles
Deductible Carry ForwardExpenses incurred during the last three months of a calendar year will be applied toward satisfaction of the deductible for the next calendar year, but only if the deductible was not met during the prior calendar year.
Coinsurance
In addition to deductible
Plan pays 100%,
Member pays 0%
Plan pays 80%,
Member pays 20%
Plan pays 100%,
Member pays 0%
Out-of-pocket maximum$0$1,000$0
Medical ConciergeThe Medical Concierge Service (MCS) is a proprietary IMG service that helps our members navigate the U.S. healthcare system to identify the highest quality, most cost-effective providers for scheduled inpatient and certain outpatient treatments.
Pre-certification
  • Transplants: No coverage if pre-certification requirements are not met
  • Inter-facility Ambulance Transfer: No coverage if pre-certification requirements are not met
  • Emergency Medical Evacuation: No coverage if pre-certification requirements are not met. Refer to the Emergency Medical Evacuation provision for further details and requirements
  • Maternity and Newborn Care: 50% reduction of Eligible Medical Expenses if pre-certification requirements are not met
  • All other treatments & supplies: 50% reduction of Eligible Medical Expenses if pre-certification requirements are not met
  • Deductible is taken after the pre-certification reduction of benefits is applied
  • Coinsurance is applied to remainder of the reduced amount
  • Refer to Pre-certification Requirements provision for a complete list of services that require 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
BenefitIn-NetworkOut-of-NetworkInternational
Sudden and Unexpected Reoccurrence of Pre-existing Conditions
Up to the calendar year maximum limit
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
BenefitIn-NetworkOut-of-NetworkInternational
Eligible Medical Expenses100%80%100%
Physician Visits / Services100%80%100%
Hospital Emergency Room: United States
Injury: Not subject to Emergency Room Deductible

Illness: Subject to $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission


Hospital Emergency Room: International
100%80%100%
Hospitalization / Room & Board
Average semi-private room rate. Includes nursing, miscellaneous, and ancillary services
100%80%100%
Intensive Care100%80%100%
Outpatient Surgical / Hospital Facility100%80%100%
Laboratory100%80%100%
Radiology/X-rays100%80%100%
Chemotherapy/Radiation Therapy100%80%100%
Pre-admission Testing100%80%100%
Surgery100%80%100%
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
100%80%100%
Assistant Surgeon
20% of the primary surgeon’s eligible fee
100%80%100%
Second Surgical Opinion
Payable at 100% if requested by the company. 50% reduction of eligible medical expenses for failure to obtain a second surgical opinion when requested by the company
100%80%100%
Anesthetists100%80%100%
Pregnancy & Newborn Care
After 10 months of continuous coverage. Result of natural insemination. Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life
100%80%100%
Pregnancy Complications
After 10 months of continuous coverage
100%80%100%
Durable Medical Equipment100%80%100%
Podiatry Care Maximum limit: $750100%80%100%
Chiropractic Care
Not subject to deductible. Maximum limit per visit: $75.
Maximum visits: 20. Physician order not required
50%50%50%
Chiropractic Care
Must be part of a recovery treatment plan for a covered illness or injury. Medical order or treatment plan required
50%50%50%
Physical Therapy
Maximum limit per visit: $75. Medical order or treatment plan required
100%80%100%
Extended Care Facility
Upon direct transfer from acute care facility
100%80%100%
Home Nursing Care
Provided by a home healthcare agency. Upon direct transfer from an acute care facility
100%80%100%
Transplant
Lifetime maximum: $1,000,000. Per period of coverage transplant maximum limit: 1. Organ procurement and harvesting costs lifetime maximum: $10,000. Travel and lodging lifetime maximum expenses: $5,000. Covered transplants: cornea, heart, heart/lung, lung, kidney, kidney/ pancreas, liver, allogeneic or autologous bone marrow. Subject to Transplant Pre-certification provision and only when treatment is provided within the company's approved independent managed transplant system network
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
Adult Preventative Care
Ages 19 and over. Maximum limit: $250. Refer to the Preventative Care provision for further details and requirements
100%100%100%
Child Preventative Care
Ages 18 and younger. Maximum limit: $250. Refer to the Preventative Care provision for further details and requirements
100%100%100%
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
Dispensing maximum: 90 days per prescription
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
Maximum limit: $10,000
100%80%100%
Outpatient Mental or Nervous/Substance Abuse
Maximum limit per visit: $100.
Maximum visits per calendar year: 52
50%50%50%
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
Emergency Local Ambulance
Subject to deductible and coinsurance. Injury/illness resulting in an inpatient hospital admission
100%80%100%
Emergency Medical Evacuation
Lifetime maximum: $1,000,000 for insured under age 65.
Insured persons under 65 years of age. Approved in advance and coordinated by the company
100%100%100%
Emergency Reunion
Lifetime maximum: $10,000. Maximum days: 15. Maximum meal limit per day: $25. Reasonable and necessary travel costs and accommodations. Approved in advance by the company
100%100%100%
Inter-Facility Ambulance Transfer
Transfer must be the result of an inpatient hospital admission
100%100%100%
Return of Mortal Remains
Maximum limit per insured person: $25,000.
Local burial/cremation maximum limit: $10,000.
Return of insured person's mortal remains to home country.
Approved in advance by the company
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
Available after 12 months of continuous coverage
Maximum limit every 24 months: $100
Corrective Lenses, Contacts, Frames
Available after 12 months of continuous coverage
Maximum Limit every 24 months: $150
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
Amateur Sailboat Racing
Subject to deductible and coinsurance. Bodily injury as a result of an accident while participating in amateur sailboat racing
100%80%100%
Crew Member Return
Maximum limit: $2,500
100%100%100%
Emergency Dental
Subject to deductible and coinsurance. Accident-related
80%80%100%
Traumatic Dental Injury
Treatment at a hospital facility due to an accident. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
100%80%100%
Hospital Indemnity
International only. Benefit is not available when the inpatient hospital treatment is part of the medical travel management benefit. Inpatient hospitalization only
Not ApplicableNot ApplicableOvernight maximum limit: $100
Maximum overnight limit: 20
Maximum limit: $5,000
Medical Travel Management
Must be approved in advance by the company
The company will offer medical travel as a means to manage the costs of medically necessary non-emergency treatment, including hospitalization and surgery for approved procedures. 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
Lifetime maximum: $1,000,000. Insured persons under age 65. Approved in advance and coordinated by the company
100%100%100%
Recreational Underwater Activities
Subject to deductible and coinsurance. Injuries that occur while engaging in recreational underwater activities
100%80%100%
Supplemental Accident Benefit
Maximum limit per covered accident: $300
100%100%100%

Dental Benefits Summary

Coverage Limit/Maximum Amount for Eligible Dental Expenses
Calendar year maximum limit per person$1,500
Deductible
Applies to minor restorative, major restorative, and orthodontia services
$50
Family deductible
Maximum 3 deductibles per family
$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
BenefitCoinsurance
Diagnostic and Preventative Services
Preventative visits and cleanings: 2 (one every six months)
Radiographic examinations (including posterior bitewings): 2 (one every six months).
Fluoride treatment: 1 for children under age 19
Plan pays 100%Insured pays 0%
Emergency Palliative TreatmentPlan 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
Radiograph: 1 every 3 years.
Full mouth X-rays including panographic X-rays
Plan pays 80%Insured pays 20%
Oral SurgeryPlan pays 80%Insured pays 20%
EndodonticsPlan pays 80%Insured pays 20%
Periodontics
Root planing: 1 every 2 years
Periodontal surgery: 1 every 3 years
Plan pays 80%Insured pays 20%
Minor Restorative Services
Refer to the Eligible Dental Expenses provision for further details and requirements
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
Crowns, jackets, inlays (on same tooth): 1 every 5 years. Limitations apply for children under age 12.
Refer to the Eligible Dental Expenses provision for further details and requirements
Plan pays 50%Insured pays 50%
Prosthodontics
Dentures/bridges: 1 every 5 years
Replacement of denture base material or reline: 1 every 3 years
Refer to the Eligible Dental Expenses provision for further details and requirements
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
Children less than 19 years of age
Plan pays 50%Insured pays 50%

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.

Group Life Insurance

  • 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

Medical Management Without BoundariesSM

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 and unique blend of services, including:

Medical Travel Management

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.

First, a designated nurse case manager will evaluate the cost effectiveness of an international medical travel case to assess whether the minimum savings required can be achieved as defined by the plan. The case manager will then assist the member in identifying a qualified medical provider to provide the specified care, while also negotiating medical fees. Upon approval, the case manager will coordinate the necessary services including patient care, travel, scheduling, and housing. The case manager will also assist with coordination of a medical follow-up visit upon returning home, when needed.

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 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).

International Comprehensive Care Management

Critically ill or injured crew have enough to worry about—let IMG ease the administrative workload and communications that come with complex international medical case management. Our experienced medical management team can assist with meeting the patient's health and care needs to deliver the best possible outcome. 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

Customizable Solutions

We are confident that IMMI will provide quality medical coverage specific to your organization and group member's 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.

Administrator

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

FOR ADDITIONAL INFORMATION

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

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470
Website: www.insubuy.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.

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