Insurance · Insurer

IMG: Global Prima and GlobeHopper, international health plans managed by IMG and underwritten by SiriusPoint

International health insurance administrator, present in Europe through IMG Europe AB and International Medical Group Limited. Its European range includes a long-term plan with no age limit (Global Prima) and temporary or multi-trip plans; the risk is underwritten by SiriusPoint.

Official website of IMG (International Medical Group)

Please note

This comparison is an informative summary. Check the actual cover, exclusions and acceptance conditions in the policy documents and with the provider concerned. Terms of use and disclaimers

Characteristics

Type: Insurer
Type: Administrator
Risk carrier: SiriusPoint International Insurance Corporation (Global Prima, selon le formulaire de demande)
Use: Long-term expat health · First year and temporary stays · Travel and nomad
French scheme: No
CFE top-up: No
Medical questionnaire: Partly
Covers: Health · Hospital · Repatriation · Assistance
Settlement: Not provided
Regulator: Financial Conduct Authority ; Finansinspektionen (Suède) ; Prudential Regulation Authority (assureur)
Currencies: GBP · EUR · USD
Home country: United Kingdom

Global Prima: three zones (Europe, worldwide excluding the United States and US territories, worldwide). The application form asks for the country of residence and any connection with the United States; outside the European Economic Area and the United Kingdom, the declaration requires the choice of a trust. The temporary plans are aimed at people outside their country of habitual residence.

Contracts and plans

Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.

Global Prima Medical Insurance (Bronze, Bronze Plus, Silver, Gold, Platinum)
Long-term expat health · Formulaire de demande en moratoire ; brochure IMG Europe (réf. se terminant par 0424)
Risk carrier
SiriusPoint International Insurance Corporation
Distributor / administrator
IMG Europe AB ; International Medical Group Limited ; courtiers
United States
Optional
Home country
Being verified
Renewal
Renewable for life
Link with the CFE
First-euro cover
Direct billing
Being verified
- Hospital : Yes
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Individuals, families and groups; no stated age limit; children covered up to an age limit; certain answers to the questionnaire (hospitalisation, cancer under treatment, immune disorders) make an applicant ineligible.
Pre-existing conditions : Two routes: a full medical questionnaire, or a moratorium. Under the moratorium, conditions that existed during a period before enrolment are excluded, and may then be reinstated after a continuous period without treatment, medication, symptoms or check-ups.
Limits : Deductible per person and per year, from no deductible to a high level; limits for each plan are not published in the documents reviewed.
- 5 years Global Prima with moratorium underwriting: look-back period for pre-existing conditionsConditions that existed during this period before the start of the policy: excluded, unless reinstated after the symptom-free period provided for under the moratorium.imglobal.com · Verified on Nov 2, 2026
- 2 years Global Prima under moratorium: continuous period without treatment or symptoms allowing pre-existing conditions to be reinstatedEligible pre-existing conditions may then be taken into consideration; the form does not say which ones remain permanently excluded.imglobal.com · Verified on Nov 2, 2026
- up to £7,500 Global Prima: highest deductible level, per person and per yearRange offered on the moratorium application form, from no deductible up to this level; same nominal amount in euros and in dollars.imglobal.com · Verified on Nov 2, 2026
- up to 25 years Global Prima: age up to which children are coveredThe same brochure states that there is no age limit and that Global Prima is renewable for life.imglobal.com · Verified on Nov 2, 2026
Contract documents · imglobal.com
GlobeHopper et GlobeHopper Platinum
First year and temporary stays · Brochure IMG Europe (réf. se terminant par 0424)
Risk carrier
Non vérifié (SiriusPoint cité dans les mentions réglementaires de la brochure)
Distributor / administrator
IMG Europe AB ; International Medical Group Limited
United States
Not verified
Home country
Being verified
Renewal
Within a limit
Link with the CFE
First-euro cover
Direct billing
Being verified
- Hospital : Being verified
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : People staying outside their country of habitual residence, alone, with family or in a group.
Pre-existing conditions : Not verified.
Limits : Short-term international medical insurance; GlobeHopper Platinum is renewable year by year up to a maximum total duration; several limits and deductible levels to choose from.
- up to 24 months GlobeHopper Platinum: maximum coverage period, including annual renewalsTemporary international health insurance contract; the link between this sentence and GlobeHopper Platinum is apparent from the layout of the brochure.imglobal.com · Verified on Nov 2, 2026
Contract documents · imglobal.com
GlobeHopper Multi-Trip
Travel and nomad · Brochure IMG Europe (réf. se terminant par 0424)
Risk carrier
Non vérifié
Distributor / administrator
IMG Europe AB ; International Medical Group Limited
United States
Not verified
Home country
No
Renewal
Not verified
Link with the CFE
First-euro cover
Direct billing
Being verified
- Hospital : Being verified
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Regular travellers outside their home country, with spouse and children, up to a maximum age.
Pre-existing conditions : Not verified.
Limits : Annual multi-trip plan; maximum duration per trip chosen from two options.
- up to 74 years GlobeHopper Multi-Trip: maximum age of coverageAnnual multi-trip policy for travel outside the country of habitual residence.imglobal.com · Verified on Nov 2, 2026
Contract documents · imglobal.com

Published figures

Premium, fromOn quote
Annual ceilingNot provided
Global Prima: highest deductible level, per person and per yearup to £7,500imglobal.com · Verified on Nov 2, 2026
Global Prima under moratorium: continuous period without treatment or symptoms allowing pre-existing conditions to be reinstated2 yearsimglobal.com · Verified on Nov 2, 2026
Global Prima with moratorium underwriting: look-back period for pre-existing conditions5 yearsimglobal.com · Verified on Nov 2, 2026
GlobeHopper Multi-Trip: maximum age of coverageup to 74 yearsimglobal.com · Verified on Nov 2, 2026
Global Prima: age up to which children are coveredup to 25 yearsimglobal.com · Verified on Nov 2, 2026

Who bears the risk

IMG is an administrator of international health plans. In Europe, it operates through International Medical Group Limited, entered on the register of the British Financial Conduct Authority, and through IMG Europe AB, authorised by the Swedish financial supervisory authority and registered as an appointed representative with the FCA.

The Global Prima application form states that the plan is underwritten by SiriusPoint International Insurance Corporation and administered by IMG; this insurer is authorised by the Prudential Regulation Authority. For the temporary plans, the brochure names SiriusPoint in its regulatory notices without expressly linking it to each product.

IMG's current ownership has not been verified against a primary source. The international page of the website was not accessible.

Plans and cover

Global Prima is the long-term plan: five levels, from Bronze to Platinum, three zones (Europe, worldwide excluding the United States, worldwide), with no stated age limit and lifetime renewal according to the brochure. Children are covered up to up to 25 years⁵.

The temporary range includes GlobeHopper and GlobeHopper Platinum, short-term international medical insurance; the Platinum version is renewable year by year within the limit of figure being updated. GlobeHopper Multi-Trip covers repeated trips of up to up to 74 years⁴, and WorldStudy is aimed at students.

The annual limits, maternity, dental, optical, mental health and evacuation cover for each Global Prima level are not quantified in the documents reviewed; the benefits table was not consulted.

Deductibles, waiting periods and exclusions

Under the moratorium, conditions that existed in the 5 years³ before the start of the plan are excluded; they may be reviewed after 2 years² in a row without treatment, medication, symptoms or check-ups. Certain answers to the questionnaire (hospitalisation, cancer under treatment, immune disorders) close off access to the plan. The deductible, per person and per year, ranges from zero to up to £7,500¹.

Who it suits, and who it does not

Global Prima is aimed at expatriates who want a plan with no age limit, renewable for life, with first-dollar cover. The GlobeHopper plans suit an assignment or a first year abroad, not a long-term relocation.

Price and points to check

Price on quotation, depending on age, zone, level, deductible and the medical underwriting method.

The Global Prima level and the corresponding benefits table.
The underwriting method: full questionnaire or moratorium.
For GlobeHopper, the maximum total duration of cover.

Sources and verification dates

1.
Global Prima: highest deductible level, per person and per year : £7,500
« £7,500/€7,500/US$7,500 »
International Medical Group (IMG Europe), « Global Prima Medical Insurance – Moratorium application form »Verified on Nov 2, 2026Verified source
2.
Global Prima under moratorium: continuous period without treatment or symptoms allowing pre-existing conditions to be reinstated : 2 years
« symptom and check-up free for a continuous period of two years. »
International Medical Group (IMG Europe), « Global Prima Medical Insurance – Moratorium application form »Verified on Nov 2, 2026Verified source
3.
Global Prima with moratorium underwriting: look-back period for pre-existing conditions : 5 years
« We do not cover treatment of any medical conditions (or specified condition) that existed during the five years »
International Medical Group (IMG Europe), « Global Prima Medical Insurance – Moratorium application form »Verified on Nov 2, 2026Verified source
4.
GlobeHopper Multi-Trip: maximum age of coverage : 74 years
« Cover available from the ages of 15 days to 74 years »
International Medical Group (IMG Europe), « Your guide to IMG Europe products »Verified on Nov 2, 2026Verified source
5.
Global Prima: age up to which children are covered : 25 years
« Children covered up to the age of 25 years. »
International Medical Group (IMG Europe), « Your guide to IMG Europe products »Verified on Nov 2, 2026Verified source