IMG Europe GlobalSelect International Healthcare Cover
IMG Europe has enhanced its flagship product to include:
• A 15% introductory discount for all new applicants and a 15% no claims discount and a low claims discount.
• Extended annual wellness benefits, including an annual sight and hearing test and routine vaccinations.
• Political and security evacuation and repatriation.
• Identity theft benefit.
• Out of country criminal assault benefit.
• Natural disaster evacuation and accommodation.
• International access to a medical information service staffed by medically qualified staff.
IMG Europe says its premiums are ‘exceptionally competitive’ e.g. a 29 year old man could pay £44.20 a month for a HeadStart sub-plan with European Cover, while a 35 year old man and 32 year old woman with a six year old child could pay £536.35 a month for a top of the range Executive sub-plan (which includes dental and maternity cover) with worldwide, including USA, cover. The plan is underwritten by Sirius International.
There are four levels of cover available, and three geographic pricing areas. Maximum annual benefit ranges from £1m (HeadStart) to £5m (Executive). Standard excess range down from £100 to £25 (Executive).
Plus points: High level benefits with cover choices; NCDs especially appeal to low claimers; Competitive pricing.
Not so plus points: Not as well known as Bupa.
Website: http://www.imgeurope.co.uk.
Rating (max 10): Innovation: 7. Overall: 8.