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The long term plans are designed for individuals and groups who are need of coverage for several years.  Individuals who are moving abroad on a permanent basis or for work or study will find these plans are best suited to their needs.

Plans are annually renewable and offer more comprehensive benefits, such as wellness benefits and coverage for pre-existing conditions after a waiting period.  A wide variety of deductibles and plan structures are available so that you can be sure you have the plan benefits you want.

Plans are offered through International Medical Group.  Their Global Medical Insurance plans offer worldwide coverage to a wide variety of international clientele, including expatriates, international executives, diplomats, students, entertainers and other international travelers.  Global Medical Insurance offers you the choice of three plan options: Silver, Gold and Platinum. You also have the opportunity to select a coverage area: worldwide or worldwide excluding the U.S. and Canada. Simply choose the plan option and coverage area that best fits your needs. Each one offers a full range of benefits suited for individuals and families, provides coverage 24 hours a day, and you have the freedom to choose any doctor or hospital for treatment.

• Global Term Life Insurance provides protection for your family at the time of a traumatic loss and is available with no additional underwriting. This coverage is available for a standard annual premium of US$240 and includes an Accidental Death and Dismemberment benefit.

• Global Daily Indemnity pays you US$100 for each covered overnight hospital stay other than those related to maternity.