Global Employer's Option^SM (GEO^SM) Group          Employer sponsored group insurance, 3 or more employees (less than 12 months)

The challenge of an international employer.

As an international employer, you face the formidable dilemma of providing adequate coverage and benefit programs for your expatriate, third-country national, and local-country national employees living or traveling abroad with one benefit plan. You want to ensure these employees receive worldwide access to quality care, superior international claims administration, and the financial stability from an established leader in the international medical insurance field. In addition to full coverage for treatment while in the U.S., a true international program must provide employees worldwide access to quality care, global portability, professional international administration, and special assistance coverage during medical emergencies.

The challenge of an expatriate on assignment.

As an expatriate on assignment in a foreign country, you need a complete portfolio of health plans including medical, dental, life and daily indemnity. You also want the peace of mind in knowing that you have 24 hour access for international emergency assistance, including medical evacuation and precertification.

The solution - GEO^SM Group.

GEO Group is one of the most comprehensive group hospital, surgical, medical and life insurance programs in the world. Geo Group is designed specifically for employers who need US-style coverage for their employees around the globe. The plan provides a wide range of benefits and offers the peace of mind in knowing that emergency assistance is just a phone call away, 24 hours a day, seven days a week.

GEO Group is designed to meet the global health care needs of 3 or more internationally-assigned employees who are either US or Canadian citizens who reside abroad and may return to the US or Canada temporarily (for less than 12 months), or are overseas local and third country national employees and provide multinational employers with flexible options of both benefits and services.

GEO Group allows employers to carve out their international employees to provide them with US-style benefits and worldwide coverage. This program includes comprehensive medical, dental, term life insurance and daily indemnity benefits for these employees and their families.

Examples of persons who need GEO Group:

• A Chinese company or organization needs to insure 100 employees that reside in China, South Korea and Thailand.

• A US company or organization with a branch office in Argentina needs to insure their US and Argentine employees that reside in Argentina.

• A US company or organization with 10 branch offices in Europe, Asia and South America needs to insure all overseas employees under one group plan.

• A foreign embassy with 6 locations in the US needs to insure all diplomats that are residing in the US.

Plan highlights include:

• Access to quality health care anywhere in the world (including the U.S.)

• Complete portfolio of health plans including medical, dental, and life

• Specialized administration with multilingual claim adjudication

• Direct deposit and wire transfer reimbursement in various currencies

• 24/7 customer service (free calls from anywhere in the world)

• International emergency assistance, including medical evacuation

• Full portability between countries - your insurance goes where you go

• Domestic and international continuation as required by U.S. law

Global Educators Medical^SM (GEM^SM)                              Worldwide group medical coverage for full-time employees of international schools.

International Medical Group, Inc. (IMG) is a worldwide leader in designing, distributing and administering global healthcare benefits. Since 1990, we have offered medical security to hundreds of thousands of individuals, families and groups in more than 150 countries.

Of particular interest to you is that we have been providing our expertise to international schools for more than a decade. We've earned a reputation for being flexible and responsive to the needs of educators, administrators, and staff around the globe.

That responsiveness led us to develop GEM, Global Educators Medical. This plan offers a wide range of benefits and services that makes your life easier, offers the benefits you need, provides faster claims services.

As a result of our experience in the international school market, IMG has developed GEM, a comprehensive plan that offers worldwide coverage to full-time employees of international schools outside North America. GEM provides up to US$5,000,000 of lifetime coverage with a full range of benefits and the freedom to choose any doctor or hospital for treatment. When you select GEM, you receive IMG's commitment to deliver world class health benefits, medical assistance, and total peace of mind.

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The information above is only a consolidated description of current International insurance products available through this web site. Please refer to the policy wording for the specific terms and conditions of each plan concerning eligible benefits, limitations, eligibility and exclusions. Policy wording is available upon request. IMG, International Medical Group, the IMG block design logo, Patriot T.R.I.P, Patriot T.R.I.P Elite, Patriot Student T.R.I.P., Patriot Travel Medical Insurance, Patriot Extreme, Global Medical Insurance, Patriot Executive, GEO Group, Exchange Program Group, Sky Rescue and Patriot Group Travel Medical Insurance are the trademarks, service marks and/or registered marks of International Medical Group, Inc.© Copyright 2007 International Medical Group, Inc. All Rights Reserved