Insubuy Insurance

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We have provided global benefits and assistance services to millions of members in almost every country. We’re committed to being there with our members wherever they may be in the world, providing them Global Peace of Mind®. With 24/7 worldwide assistance and medical management services, multilingual claims administrators and highly trained customer service professionals, we deliver the insurance products international members need, backed by the services they want.

  • Global Family of Companies. The global family of companies includes AkesoCareSM, Global Response Ltd., IMG-Stop LossSM and International Medical Administrators, Inc.
  • Service Without Obstacles.With a team of international, multilingual specialists, we are accustomed to working in multiple time zones, languages and currencies. Our global reach means we can work without barriers.
  • International Provider AccessSM (IPA). In addition to our expansive PPO network available for treatment received within the U.S., our proprietary IPA network of more than 17,000 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and upfront expense at select providers.
  • Financial Stability. Our globally recognized underwriters, A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's, offer the financial security and reputation demanded by international consumers.
  • Accessible Technology. Log on to the secure, 24-hour online portal, MyIMGSM, to submit and view your claims, manage your account, search for providers, Live Chat with representatives and more.
  • International Emergency Care. When you're away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

WHY OUTREACH TRAVEL?

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk.


Don’t let your medical coverage be an uncertainty. Travel with one of two Outreach Travel Medical Insurance® plans so you can spend more time enjoying your international experience and less time worrying about medical coverage.


  • Outreach International® provides coverage for U.S. citizens traveling outside of the U.S., with coverage for brief returns to the U.S.
  • Outreach America® provides coverage for non-U.S. citizens traveling outside of their home country.

Both plans are available for individuals and families for a minimum of five days up to a maximum of two years, and offer a complete package of international benefits.


A separate Group Outreach plan is available for groups of five or more who are traveling outside of their home country as well as outside of the U.S. Group Outreach has no daily minimum requirement and the daily rate is the same for every member of the group, regardless of their age.


ADDITIONAL WORLD-CLASS SERVICES

Service at your fingertips - that's what we provide. MyIMG is a proprietary online service, located in our Current Clients section, that provides you information and tools to manage your accounts anytime, anywhere. Our service centers in the U.S. and Europe are available to assist with emergencies 24 hours a day, and you have immediate access to important tools and resources. Some features include:

  • Submission and management of claims
  • Access to Explanations of Benefits (EOBs)
  • Initiate pre-certification
  • Access Customer Care via Live Chat, email or telephone
  • Locate a Provider
  • Recommend a provider/facility
  • Obtain ID cards and other insurance documents

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.


SCHEDULE OF BENEFITS

The following is a summary schedule of benefits for eligible medical expenses.
Benefits are subject to maximums, deductible and coinsurance, unless otherwise noted.


Maximum Limits options $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (U.S. citizens only)
Individual Deductible options $0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside of the U.S. No Coinsurance (0%)
Coinsurance - for treatment received within the U.S. In the PPO Network - 10% of eligible expenses up to $5,000, then 0%
Out of the PPO Network- 20 of eligible expenses up to $5,000, then 0%
Continuation of Treatment Period Six months per injury or illness
Incidental Home Country Coverage Up to 14 days
End of Trip Home Country Coverage One month for every five months of travel coverage purchased, up to a maximum of two months.
(Individual plan only)
Hospital Room and Board Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive Care Up to the maximum limit
Surgery Up to the maximum limit
Physician Visits Up to the maximum limit
Diagnostic Procedures Up to the maximum limit
Prescription Medication Up to the maximum limit
Home Nursing Care Up to the maximum limit
Local Ambulance Expense Up to the maximum limit
Emergency Room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Dental Emergency Up to maximum limit for treatment due to an accident. $100 maximum limit for treatment of unexpected pain to sound natural teeth.
Emergency Medical Evacuation Up to $500,000 lifetime maximum (independent of the maximum limit). Not subject to deductible.
Emergency Reunion Up to $50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial Up to $50,000 for return of mortal remains or $5,000 for cremation/burial. Not subject to deductible.
Return of Minor Children Up to $50,000. Not subject to deductible.
Political Evacuation Up to $10,000. Not subject to deductible.
Natural Disaster Up to $100 per day and five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 lifetime maximum. Not subject to deductible.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical
(for U.S. citizens only)
Up to age 65 with primary health plan: URC up to maximum limit.
Up to age 65 without primary health plan: $20,000 lifetime maximum.
Age 65+: $2,500 lifetime maximum.
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation (for U.S. citizens only) Up to age 65: $25,000 maximum limit
Hospital Indemnity Up to $100 per overnight (up to a maximum of 10 overnights). Not subject to deductible.
Common Carrier Accidental Death $50,000 per insured person and $250,000 maximum limit per lifetime and per family.
Not subject to deductible.
Accidental Death & Dismemberment $25,000 principal sum. Not subject to deductible.
Identity Theft Assistance Up to $500. Not subject to deductible.
Trip Interruption Up to $5,000. Not subject to deductible.
Lost Luggage Up to $50 per item; maximum of $250. Not subject to deductible.

OPTIONAL COVERAGE

Outreach Travel Medical Insurance offers several optional coverages. You may review and choose any from the following list that meet your needs. To apply, simply add in the appropriate information and premiums, as outlined in the application, into the calculation for the total premium due. Please note: With the exception of the Enhanced AD&D Rider and the Chaperone/Faculty Leader Replacement Riders, optional riders apply to all individuals listed on the Application.


Adventure Sports Rider
(available to Insureds through age 64)
Age Lifetime Maximum
0 - 49 $50,000
50 - 59 $30,000
60 - 64 $15,000
Enhanced AD&D Rider
(available to the primary Insured on individual plans only)
Up to an additional $400,000
Citizenship Return Rider Up to the maximum limit (U.S. citizens have a 60-day maximum)
Evacuation Plus Rider
(available to Insureds up to age 65 on individual plans only)
Non-life-threatening medical evacuation: Up to a maximum of $25,000. Natural disaster evacuation: Up to a maximum of $5,000.
Chaperone/Faculty Leader Replacement Rider (available on group plans only) Up to $3,000 for round-trip economy airline ticket

ELIGIBILITY

Outreach Travel Medical Insurance is available for U.S. citizens and permanent residents traveling outside of the United States with coverage for brief returns to the U.S., and for non-U.S. citizens traveling outside of their home country. For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international medical coverage. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the Application. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.


ENROLLMENT

To apply, simply complete application online: Individual or Group or return the Paper Application: Individual or Group. If you are applying as a family, you may include yourself, your spouse and dependents on one Application. If you have dependents who are 18 years of age or older, you must complete a separate application for those individuals. 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.


RENEWAL AND EXTENSIONS

Subject to the terms of the plan, Outreach Travel Medical Insurance can be extended for a minimum of five days up to a 365-day period, until reaching a maximum of 24 continuous months. Prior to the end of each period of coverage purchased, you will receive renewal information. You have the option to renew online or you may complete a paper renewal form. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage.


IMPORTANT NOTICE REGARDING PATIENT PROTECTION AND AFFORDABLE CARE ACT (PPACA): This insurance is not subject to and does not provide benefits required by PPACA. As of 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 the administrator 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 Outreach Travel Medical Insurance, please contact your attorney or CPA.


Individual Rates (U.S. Citizens)
Outreach Travel® Individual Rates 2016 Rates below reflect a $250 deductible
Individual Monthly Rate
  Maximum Limit
Age $50,000 $100,000 $500,000 $1 Million $2 Million
18-29 $23 $28 $33 $38 $49
30-39 $28 $33 $44 $51 $65
40-49 $50 $54 $61 $68 $89
50-59 $81 $92 $103 $108 $138
60-64 $98 $116 $138 $162 $181
65-69 $116 $124 $158 $170 $219
70-79 $170 N/A N/A N/A N/A
80+* $340 N/A N/A N/A N/A
Dep. Child $21 $25 $30 $33 $37
Child Alone $23 $28 $33 $38 $47
*10,000 Maximum

Individual Daily Rate
  Maximum Limit
Age $50,000 $100,000 $500,000 $1 Million $2 Million
18-29 $0.80 $0.95 $1.10 $1.30 $1.65
30-39 $0.95 $1.10 $1.50 $1.70 $2.20
40-49 $1.70 $1.80 $2.05 $2.30 $3.00
50-59 $2.70 $3.10 $3.45 $3.60 $4.60
60-64 $3.25 $3.90 $4.60 $5.40 $6.05
65-69 $3.90 $4.15 $4.80 $5.70 $7.30
70-79 $5.70 N/A N/A N/A N/A
80+* $11.35 N/A N/A N/A N/A
Dep. Child $0.70 $0.85 $1.00 $1.10 $1.25
Child Alone $0.80 $0.95 $1.10 $1.30 $1.60
*10,000 Maximum


Individual Rates (Non-U.S. Citizens)
Outreach Travel® Individual Rates 2016 Rates below reflect a $250 deductible
Individual Monthly Rate
  Maximum Limit
Age $50,000 $100,000 $500,000 $1 Million
18-29 $37 $46 $59 $71
30-39 $49 $62 $78 $91
40-49 $73 $90 $119 $133
50-59 $107 $138 $169 $194
60-64 $135 $174 $207 $248
65-69 $154 $208 $226 $270
70-79 $208 N/A N/A N/A
80+* $362 N/A N/A N/A
Dep. Child $34 $41 $53 $59
Child Alone $37 $46 $59 $66
*10,000 Maximum

Individual Daily Rate
  Maximum Limit
Age $50,000 $100,000 $500,000 $1 Million
18-29 $1.25 $1.55 $2.20 $2.40
30-39 $1.65 $2.10 $2.60 $3.05
40-49 $2.45 $3.00 $4.00 $4.45
50-59 $3.60 $4.60 $5.65 $6.50
60-64 $4.50 $5.85 $6.95 $8.35
65-69 $5.15 $7.00 $7.60 $9.05
70-79 $6.95 N/A N/A N/A
80+* $12.10 N/A N/A N/A
Dep. Child $1.15 $1.40 $1.80 $2.00
Child Alone $1.25 $1.55 $2.00 $2.25
*10,000 Maximum

Enhanced AD&D rider monthly rates*
Up to $100,000 additional coverage $8
Up to $200,000 additional coverage $16
Up to $300,000 additional coverage $24
Up to $400,000 additional coverage $32

*Available to the primary Insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.


Evacuation plus rider monthly rate*
Premium per covered insured per month $45

*Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in whole-month increments.


Additional deductible options
Deductible $0 $100 $250 $500 $1,000 $2,500
Rate Factor 1.25 1.10 1.00 .90 .80 .70

Group Rates (Groups of 5 or more)

Group must select one option only and one deductible for the entire group. The maximum benefit for ages 70-79 is always limited to $100,000 regardless of what maximum benefit the group slects, and the premium will be the same for all ages based on the table below.


Daily Rates per Person

  Deductibles
Maximum Benefit $0 $100 $250
Option 1
$100,000 Max
$2.25 $2.00 $1.80
Option 2
$250,000 Max
$2.50 $2.20 $2.00
Option 3
$1,000,000 Max
$2.75 $2.45 $2.20

New premium rates per Insured Person are effective May 12, 2015 for eligible individuals whose applications are approved by the administrator. The administrator reserves the right to assess the most current rates at the time of the effective date in the event these rates expire, are modified or are replaced.


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 International Medical Group, Inc. and its representatives throughout the world. © 2007-2016 International Medical Group, Inc. All rights reserved.


Administrator

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


FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093

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

Web site: insubuy.com


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