IMG Global (GPMI) Health Insurance

IMG's Global Primary Medical Insurance (Global Prima) explained — the five plan tiers, optional dental and maternity, the unusually wide choice of underwriting, and how claims work.

IMG's Global Primary Medical Insurance (GPMI), marketed as Global Prima, is the unified international plan that came out of bringing together IMG and ALC Health. It's a modular plan: a medical core across five tiers, with dental and maternity available as optional add-ons — and it stands out for offering one of the widest ranges of underwriting options in the market.

Plans & structure

You pick a tier for the core medical cover, then add the optional benefits you want:

• Dental — optional on all plans, for an additional premium, with a 6-month waiting period (accidental damage is covered immediately).
• Routine maternity — optional on all five tiers, with a 10-month waiting period.

What's covered

The core covers inpatient and day-patient hospital treatment, with out-patient cover scaling by tier. Dental and maternity sit outside the core as optional benefits, so you only pay for them if you need them — useful for keeping the premium down if you don't.

Underwriting options — the widest choice

IMG Global Prima lists an unusually full set of underwriting bases, so there's usually a route that fits your situation:

FMU — Full Medical Underwriting

You give your full history (the application has three headline "knockout" health questions). IMG then offers standard terms, applies personal exclusions, or declines — so you know where you stand upfront.

Moratorium (Mori)

No declaration upfront; recent pre-existing conditions are excluded and can become eligible after a continuous symptom- and treatment-free period.

CPME — Continuing Personal Medical Exclusions

Switching insurer carries your existing exclusions across as-is, without fresh underwriting of new conditions.

MHD — Medical History Disregarded

A group-scheme basis where the insurer ignores members' medical history, so pre-existing conditions aren't excluded. It's only for company/group policies that meet a minimum number of lives — which varies by insurer — so it isn't available to individuals.

Claims & pre-authorisation

• Planned inpatient or day-patient treatment should be pre-authorised as early as possible — and no later than five working days before admission.
• Direct billing: once a claim is pre-authorised and eligible, IMG issues a Guarantee of Payment to the hospital and settles directly, so you're not out of pocket.
• Servicing runs through the MyIMG / MyALC online member area — pre-authorise treatment, submit claims, find facilities and access documents — backed by a 24-hour helpline and WhatsApp.
• Quote the pre-authorisation number on any follow-up correspondence and keep your bank details current for reimbursements.

Who IMG Global suits

A strong fit if you want to pay only for what you need — a modular plan where dental and maternity are optional — and especially if your medical history needs a flexible underwriting route — IMG's range is among the widest, and for company/group cover its Medical History Disregarded (MHD) basis can set medical history aside entirely (subject to a minimum number of lives).

Worth comparing if you want dental and maternity bundled in as standard, or a different plan structure. Comparing the market shows IMG beside the rest on price and terms.

Frequently asked questions

This page is general information, not personal or medical advice, and is based on IMG Global Prima (GPMI) plan documentation — exact terms, limits and underwriting are confirmed by the insurer at quote. Prices are indicative. IMG and the IMG logo are trademarks of International Medical Group.