GLOBAL INSURANCE

UNDERWRITING AND ADMINISTRATION

UNDERWRITING

The underwriting process for Global products is initiated once IMG receives a satisfactorily com 

pleted Global application. Two sections of medical questions are asked on the application and

determine an insured's approval for coverage:

A. Medical eligibility is based on the answers to the following four questions:

1.  Are you or any other applicant currently disabled, pregnant, or unable to perform 

normal activities?

2. Are you or any other applicant presently hospitalized, or scheduled for or in need of 

hospitalization or surgery?

3. Have you or any other applicant ever tested positive for, been diagnosed with, or been 

treated for Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex 

(ARC), Lymphadenopathy Syndrome, Human Immunodeficiency Virus (HIV) or any 

other Immune System Disorder?

4. Have you or any other applicant ever had, been recommended to have, or are you 

currently on a waiting list for any organ transplant (other than corneal)?

If any of these questions are answered  Yes , the Applicant is not eligible for Global

Medical Insurance.

B. Additional medical questions are asked as an aid in defining pre existing conditions and 

disability.  The answers to these questions may affect acceptance into the plan.

Note: It is essential that applicants understand the importance of accurate answers to these med 

ical questions. Non disclosure of medical conditions will result in denial of claims and possible

rescission of the Certificate. Most commonly requested information:

1. Full details including treatment dates, diagnosis, prognosis, name, address and phone 

number of attending physician, and present course of treatment should always be included

if an applicant answers  Yes  to certain questions on the Global Medical Application.

2. Attending Physician's Statement

C. A physical exam may be requested at the underwriter's discretion.

EFFECTIVE DATE

Coverage commences on the date of approval by IMG, the requested effective date (and approval

by the Company), or the date the applicant departs the US, whichever is later. In addition, a signed

Affidavit of Eligibility is required for all non US citizens who are in the US at the time of appli 

cation, and who do not plan to depart the US within 30 days.

Note: The approval of an application and subsequent issuance of an effective date of coverage is

generally within 5 7 business days upon receipt of a satisfactorily completed Global Medical

Insurance Application with premium.

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