Long-Term, Worldwide Medical and Life Coverage Individuals and families traveling, working or residing abroad for 1 year or more Worldwide Coverage for Non-U.S. Citizens and U.S. Expatriates In today's global market, a variety of needs exist for international medical insurance. Whether you are moving abroad, traveling frequently between countries, maintaining multiple countries of residence, or seeking private health care alternatives, Global Medical Insurancesm is designed to satisfy your need. Global Medical Insurancesm provides US$5,000,000 of lifetime coverage with a full range of benefits suited for individuals and families. You will be covered worldwide, including your country of citizenship, 24 hours a day. You have the freedom to choose any doctor or hospital for treatment, whether at home or traveling for business or pleasure. Additionally, when you are in the U.S., IMG'ssm Preferred Provider Organization allows you to receive care at top medical facilities across the country and significantly reduce your out-of-pocket expenses. Regardless of where you receive care, IMG is often able to work directly with the health care provider to pay eligible medical expenses. When you select Global Medical Insurancesm you receive IMG's commitment to deliver world class health care, medical assistance and total peace of mind. Global Medical Insurancesm This annually renewable, U.S. style major medical insurance product provides world-wide coverage to U.S. citizens living outside of their United States and non-U.S. citizens anywhere. The insured has the freedom to access health care anywhere in the world including the U.S. Global Senior Medical Insurancesm This plan option offers lifetime benefits to those persons insured under Global Medical Insurancesm prior to the age of 65 and maintaining continuous coverage to age 75. Global Term Life Insurancesm This plan option provides families financial assistance and security following traumatic loss. This supplemental plan also includes Accidental Death and Dismemberment coverage. Global Daily Indemnitysm This plan option is designed to offset personal expenses, such as bills, deductibles and other obligations, during a covered hospital stay. The plan pays $100 per day directly to the insured person for each overnight stay.