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 As is standard with most short-term medical insurance
products, Patriot America, Patriot International
and Patriot Executive are non-renewable. They can
be rewritten, but begin a new deductible and
pre-existing condition clause for each period of
insurance. The ExPatriot Plus caters to the
international traveler who may be unsure of their
length of stay abroad. After a minimum initial term of
at least three months, ExPatriot Plus is optionally
renewable for up to 24 months of total coverage.
Expiration notices and new applications are sent to
the insured for the Patriot International, Patriot
America and Patriot Executive plans and renewal
notices are sent to the insured for the ExPatriot Plus
plan. These documents are sent to the insured at the
address on the application, unless specified
otherwise, 30 days prior to the termination date. For
reissue of the Patriot International, Patriot America
or Patriot Executive plans, or renewal of the
ExPatriot Plus plan, the insured simply returns the
appropriate premium and completed applications to IMG
prior to termination.
Global Medical Insurance is annually renewable.
Renewal notices are sent to the insured and broker 60
days prior to the termination date. The broker
receives the renewal one week before the insured. The
insured receives a package containing a cover letter
explaining the renewal procedure, a form to renew the
optional Term Life and Daily Indemnity plans and the
Global Medical Insurance renewal form with premium
information. Renewal premiums are based on the
attained age of the insured and are consistent for
everyone in the same class.
A 10
day grace period is given on all renewable products;
premium and renewal forms received up to 10 days after
the termination date will be processed as renewals.
Online Renewal: If a client's renewal date is
within 60 days he/she may view renewal documents and
complete and submit the renewal form electronically by
going to
www.imglobal.com, clicking on the
"Current
Clients" section, then clicking on "Renewal
Information."
GEO Group is annually renewable. Renewal notices
are sent to the broker and group at least 30 days
prior to the termination date. The group receives a
package containing the renewal proposal and a listing
of all individuals currently on the plan.
At
IMG we attempt to maintain premium levels as much as
possible. Renewal changes reflect the availability of
additional benefits, policy enhancements, increases in
medical costs and possibly age band changes. IMG does
not change renewal premiums on an individual basis or
as a result of individual claim activity. Renewal
premiums are the same for everyone in the same class.
Make
sure you have a complete understanding of the renewal
process and the full benefits of IMG products. | 
