Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
IMG Global in Australia
IMG (International Medical Group) offers flexible international health insurance at competitive prices. For Australia expats, IMG provides a solid mid-tier option between budget travel medical and premium international plans.
IMG's Global Medical Insurance plans meet Australian visa requirements while offering the flexibility to customize coverage and deductibles to fit your budget.
$8M
Maximum available
Flexible
Deductible options
Good Value
Price point
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Flexible coverage at competitive prices.
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Coverage Options
IMG Global Medical Insurance includes:
- Inpatient care: Hospital, surgery, intensive care
- Outpatient care: Doctor visits, specialists (Plus/Platinum)
- Prescription drugs: Covered per plan terms
- Mental health: Available on higher tiers
- Maternity: Optional rider with waiting period
- Emergency evacuation: Included
Customization
IMG allows significant customization:
- Deductibles from $250 to $25,000
- Coverage limits from $1M to $8M
- Optional riders for dental, vision, maternity
- Area of coverage selection
How It Works in Australia
IMG primarily operates on a reimbursement basis in Australia. Pay for care at any provider and submit claims for reimbursement. Some pre-authorization may be required for major procedures.
Plans and Pricing
| Plan | Coverage | Australia (Age 35) |
|---|---|---|
| Global Medical | Essential inpatient | $120-160/mo |
| Global Medical Plus | Inpatient + Outpatient | $180-240/mo |
| Global Medical Platinum | Comprehensive | $240-320/mo |
Saving with Higher Deductibles
IMG's flexible deductible options can significantly reduce premiums:
- $250 deductible: Prices shown above
- $2,500 deductible: 20-30% savings
- $5,000 deductible: 30-40% savings
For healthy individuals comfortable with higher out-of-pocket costs, a high-deductible plan can make comprehensive coverage more affordable.
Who Should Choose IMG in Australia
Good Fit
- Budget-conscious expats wanting real coverage
- Those comfortable with reimbursement model
- Healthy individuals (high deductible)
- Expats wanting flexible options
- Mid-term stays (1-3 years)
Consider Alternatives
- Those wanting premium direct billing (Cigna)
- Corporate packages (BUPA, Cigna)
- Very short stays (SafetyWing)
- Students (need OSHC)
Ready for Flexible Coverage?
Get a personalized IMG Global quote for Australia.
Get Your QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
Disclaimer: Prices are estimates for a healthy 35-year-old with moderate deductible. Actual costs depend on specific selections.
