This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by IMG
This is IMG's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: IMG — Global Prima Medical Insurance brochure, April 2026 — showing every published column.
From the insurer's published documents
| PLAN DETAILS | |||||
|---|---|---|---|---|---|
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Overall policy limit | £1,000,000/€ 1,000,000/US$1,000,000 | £2,000,000/€ 2,000,000/US$2,000,000 | £3,000,000/€ 3,000,000/US$3,000,000 | £4,000,000/€ 4,000,000/US$4,000,000 | £5,000,000/€ 5,000,000/US$5,000,000 |
| PHYSICAL HEALTH | |||||
| In-patient & day-patient Treatment | |||||
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Accommodation (in hospital) | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Parent Accommodation (in hospital) | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Professional Fees | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Medication | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Diagnostics - For example CT, PET and MRI | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Theatre Fees | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Reconstructive Surgery | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Chronic Conditions - Acute | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Chronic Conditions - Routine Management and Palliative Treatment | N/A | N/A | Limited to £10,000/€10,000/US$10,000 | Limited to £50,000/€50,000/US$50,000 | Full Refund |
| Kidney Dialysis Acute episode | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Kidney Dialysis Routine management | N/A | N/A | N/A | Limited to £20,000/€20,000/US$20,000 | Limited to £50,000/€50,000/US$50,000 |
| Oncology | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| HIV/AIDS | N/A | N/A | N/A | Limited to £10,000/€10,000/US$10,000 | Limited to £20,000/€20,000/US$20,000 |
| IVF Treatment | N/A | N/A | N/A | N/A | Limited to £2,000/€2,000/US$2,000 per cycle and a maximum of 3 cycles per lifetime. This benefit is subject to 50% co-insurance |
| Organ Transplants | £100,000/€100,000/US$100,000 Lifetime Limit | £100,000/€100,000/US$100,000 Lifetime Limit | £250,000/€250,000/US$250,000 Lifetime Limit | £250,000/€250,000/US$250,000 Lifetime Limit | £500,000/€500,000/US$500,000 Lifetime Limit |
| Complications of Pregnancy (10 month waiting period applies) | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Newborn Cover - Premature Births | N/A | N/A | Cover for the first 30 days from birth is limited to maximum sum insured of £10,000/€10,000/US$10,000 each baby. Thereafter, cover will exclude any medical conditions which exists at the end of the first 30 day period. | Cover for the first 30 days from birth is limited to maximum sum insured of £15,000/€15,000/US$15,000 each baby. Thereafter, cover will exclude any medical conditions which exists at the end of the first 30 day period. | Cover for the first 30 from birth is limited to maximum sum insured of £20,000/€20,000/US$20,000 each baby. Thereafter, cover will exclude any medical conditions which exists at the end of the first 30 day period. |
| Newborn Cover - Congenital | N/A | N/A | £50,000/€50,000/US$50,000 Lifetime Limit | £75,000/€75,000/US$75,000 Lifetime Limit | £100,000/€100,000/US$100,000 Lifetime Limit |
| Physiotherapy | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Rehabilitation | N/A | N/A | N/A | Full Refund | Full Refund |
| Psychiatric Illness | N/A | Limited to 15 days each year | Limited to 30 days each year | Limited to 30 days each year | Limited to 45 days each year |
| Ancillary ChargesThe purchase or rental of crutches or wheelchairs following treatment as an in-patient or day-patient. | Limited to £200/€200/US$200 | Limited to £200/€200/US$200 | Limited to £300/€300/US$300 | Limited to £300/€300/US$300 | Limited to £500/€500/US$500 |
| Ancillary ChargesProvision of external prostheses following treatment of an eligible medical condition. | N/A | N/A | N/A | N/A | Limited to £2,000/€2,000/US$2,000 |
| Home Nursing | Maximum 30 days each year, limited to £100/€100/US$100 per visit | Maximum 30 days each year, limited to £100/€100/US$100 per visit | Maximum 60 days each year, limited to £100/€100/US$100 per visit | Maximum 60 days each year, limited to £100/€100/US$100 per visit | Maximum 90 days each year, limited to £100/€100/US$100 per visit |
| Cash BenefitWhere hospital accommodation and all treatment costs are provided in a State or Charitable Hospital and no claim is submitted under this policy for reimbursement of any in-patient costs, and providing that the medical condition suffered would be eligible for benefit. | £100/€100/US$100 each night up to a maximum of 30 nights | £100/€100/US$100 each night up to a maximum of 30 nights | £200/€200/US$200 each night up to a maximum of 45 nights | £200/€200/US$200 each night up to a maximum of 45 nights | £300/€300/US$300 each night up to a maximum of 60 nights |
| Emergency Treatment Outside Area of CoverTreatment (through a medical practitioner or specialist commencing within 24 hours of the emergency event), when admitted to a hospital bed as an in-patient or day-patient, required as result of an accident or the sudden beginning or worsening of an eligible medical condition where failure to seek immediate medical attention would result in death or serious damage to bodily functions. | Maximum 30 nights each yearMaximum sum insured of £20,000/€20,000/US$20,000Limited to trips of under 30 days | Maximum 30 nights each yearMaximum sum insured of £20,000/€20,000/US$20,000Limited to trips of under 30 days | Maximum 30 nights each yearMaximum sum insured of £30,000/€30,000/US$30,000Limited to trips of under 30 days | Maximum 30 nights each yearMaximum sum insured of £40,000/€40,000/US$40,000Limited to trips of under 30 days | Maximum 30 nights each yearMaximum sum insured of £50,000/€50,000/US$50,000Limited to trips of under 30 days |
| Out-patient Treatment | |||||
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Overall Out-patient Limit | Out-patient limit of £2,500/€2,500/US$2,500 within overall policy limit of £1,000,000/€1,000,000/US$1,000,000 | Out-patient limit of £5,000/€5,000/US$5,000, within overall policy limit of £2,000,000/€2,000,000/US$2,000,000 | Out-patient limit of £10,000/€10,000/US$10,000, within overall policy limit of £3,000,000/€3,000,000/US$3,000,000 | Limited to the overall policy limit of £4,000,000/€4,000,000/US$4,000,000 | Limited to the overall policy limit of £5,000,000/€5,000,000/US$5,000,000 |
| Professional Fees | Medical practitioner and qualified nurse feesPre & post-operative specialist fees prior to or following eligible in-patient/day-patient or out-patient surgery, received within 30 days of surgery.Limited to £250/€250/US$250 each year within the overall out-patient limit | Full RefundWithin overall out-patient limit | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Diagnostic | Limited to £250/€250/US$250 per diagnostic procedure within the overall out-patient limit | Limited to £500/€500/US$500 per diagnostic procedure within the overall out-patient limit | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Surgical Treatment | Full RefundWithin the overall policy limit £1,000,000/€1,000,000/US$1,000,000 | Full RefundWithin the overall policy limit £2,000,000/€2,000,000/US$2,000,000 | Full RefundWithin overall policy limit of £3,000,000/€3,000,000/US$3,000,000 | Full Refund | Full Refund |
| Medication | Limited to £500/€500/US$500 each year within overall out-patient limit and following eligible in-patient/day-patient or out-patient surgery, received within 30 days of surgery. | Limited to £1,000/€1,000/US$1,000 each year within overall out-patient limit | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Transportation | Full RefundWithin overall out-patient limit | Full RefundWithin overall out-patient limit | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Chronic Conditions - Acute | N/A | Full RefundWithin overall out-patient limit | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Chronic Conditions - Routine Management and Palliative Treatment | N/A | N/A | Limited to £1,000/€1,000/US$1,000 each year within overall out-patient limit | Limited to £5,000/€5,000/US$5,000 each year | Limited to £10,000/€10,000/US$10,000 each year |
| Kidney Dialysis Acute episode | Full RefundWithin overall out-patient limit | Full RefundWithin overall out-patient limit | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Kidney Dialysis Routine management | N/A | N/A | N/A | Limited to £5,000/€5,000/US$5,000 each year | Limited to £10,000/€10,000/US$10,000 each year |
| Oncology | Full RefundWithin overall policy limit £1,000,000/€1,000,000/US$1,000,000£250/€250/US$250 per lifetime wigs during active treatment | Full RefundWithin overall policy limit £2,000,000/€2,000,000/US$2,000,000£250/€250/US$250 per lifetime wigs during active treatment | Full RefundWithin overall policy limit of £3,000,000/€3,000,000/US$3,000,000£500/€500/US$500 per lifetime wigs during active treatment | Full Refund£500/€500/US$500 per lifetime wigs during active treatment | Full Refund£1,000/€1,000/US$1,000 per lifetime wigs during active treatment |
| HIV/AIDS | N/A | N/A | N/A | Limited to £10,000/€10,000/US$10,000 each year within overall in-patient/day-patient HIV/AIDS benefit limit | Limited to £20,000/€20,000/US$20,000 each year within overall in-patient/day-patient HIV/AIDS benefit limit |
| Physiotherapy | £50/€50/US$50 per visitLimited to 10 visits each year within overall out-patient limit following eligible in-patient/day-patient or out-patient surgery, received within 60 days of surgery | £50/€50/US$50 per visitLimited to 10 visits each year within overall out-patient limit | £75/€75/US$75 per visitLimited to 20 visits each year within overall out-patient limit | £75/€75/US$75 per visitLimited to 20 visits each year | Included |
| Chiropody or Podiatry | N/A | N/A | Limited to £250/€250/US$250 each year within overall out-patient limit | Limited to £250/€250/US$250 each year | Limited to £500/€500/US$500 each year |
| Complementary Treatment | N/A | N/A | £75/€75/US$75 per visit limited to 10 visits each year within overall out-patient limit | £75/€75/US$75 per visit limited to 20 visits each year | £100/€100/US$100 per visit limited to 30 visits each year |
| Hormone Replacement Therapy (HRT) | N/A | N/A | N/A | Full RefundLimited to 18 months cover from date of diagnosis | Full Refund |
| Optical Standard eye examination | N/A | Full Refund limited to one examination each year within overall out-patient limit | Full Refund limited to one examination each year within overall out-patient limit | Full Refund limited to one examination each year | Full Refund limited to one examination each year |
| Well-being Benefit (10 month waiting period applies) | N/A | The total of the benefits available within the Well-being is limited to £100/€100/$100 each year within the overall out-patient limit | The total of the benefits available within the Well-being is limited to £250/€250/US$250 each year within the overall out-patient limit | The total of the benefits available within the Well-being is limited to £500/€500/US$500 each year | The total of the benefits available within the Well-being is limited to £1,000/€1,000/US$1,000 each year |
| Hearing Test | N/A | One test each year | One test each year | One test each year | One test each year |
| Routine Health Checks | N/A | Within Well-being Benefit limitChildren up to the age of 6 years, limited to 15 visits per lifetime | Within Well-being Benefit limitChildren up to the age of 6 years, limited to 15 visits per lifetime | Within Well-being Benefit limitChildren up to the age of 6 years, limited to 15 visits per lifetime | Within Well-being Benefit limitChildren up to the age of 6 years, limited to 15 visits per lifetime |
| Prescribed glasses and contact lenses | N/A | Limited to £100/€100/$100 each year within overall out-patient limit | Limited to £150/€150/US$150 each year within overall out-patient limit | Limited to £250/€250/US$250 each year | Limited to £250/€250/US$250 each year |
| Vaccinations | N/A | Limited to £100/€100/$100 each year | Limited to £150/€150/$150 each year | Limited to £250/€250/US$250 each year | Limited to £500/€500/US$500 each year |
| Emergency Dental Treatment – Accidental Damage To Teeth | N/A | N/A | Full RefundWithin overall out-patient limit | Full Refund | Full Refund |
| Emergency Dental Treatment – Pain Relief | N/A | N/A | N/A | N/A | Limited to £250/€250/US$250 each year |
| Telemedicine services (Non-Insurance Benefit) | N/A | Included | Included | Included | Included |
| MENTAL WELLNESS | |||||
| Out-patient Treatment | |||||
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Psychiatric Illness | N/A | N/A | N/A | Limited to £5,000/€5,000/US$5,000 each year | Limited to £10,000/€10,000/US$10,000 each year |
| Support Programme (Non-Insurance Benefit) | N/A | N/A | N/A | Included | Included |
| CRISIS SUPPORT | |||||
| Evacuation or Repatriation | |||||
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Evacuation | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Following evacuation (Hotel Accommodation) | N/A | N/A | Limited to £250/€250/US$250 each day, for each person | Limited to £250/€250/US$250 each day, for each person | Limited to £500/€500/US$500 each day, for each person |
| Repatriation | Full Refund | Full Refund | Full Refund | Full Refund | Full Refund |
| Following Evacuation - Return Airflight | N/A | N/A | Full Refund | Full Refund | Full Refund |
| Mortal Remains | Limited to £5,000/€5,000/US$5,000 | Limited to £5,000/€5,000/US$5,000 | Limited to £5,000/€5,000/US$5,000 | Limited to £5,000/€5,000/US$5,000 | Limited to £5,000/€5,000/US$5,000 |
| Travel Intelligence (Non-Insurance Benefit) | Included | Included | Included | Included | Included |
| PHYSICAL HEALTH | |||||
| Optional Benefit - Routine Pregnancy & Childbirth | |||||
| (10 month waiting period applies) | |||||
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Routine pregnancy and childbirth costs | Optional pregnancy limits (for each pregnancy)£5,000/€5,000/US$5,000£10,000/€10,000/US$10,000£20,000/€20,000/US$20,000 | Optional pregnancy limits (for each pregnancy)£5,000/€5,000/US$5,000£10,000/€10,000/US$10,000£20,000/€20,000/US$20,000 | Optional pregnancy limits (for each pregnancy)£5,000/€5,000/US$5,000£10,000/€10,000/US$10,000£20,000/€20,000/US$20,000 | Optional pregnancy limits (for each pregnancy)£5,000/€5,000/US$5,000£10,000/€10,000/US$10,000£20,000/€20,000/US$20,000 | Optional pregnancy limits (for each pregnancy)£5,000/€5,000/US$5,000£10,000/€10,000/US$10,000£20,000/€20,000/US$20,000 |
| Well Baby Examination | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit |
| Newborn Accommodation | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit | Full RefundWithin the applicable pregnancy limit |
| Cash Benefit (where no claim is submitted) | Limited to £100/€100/US$100 each night up to a maximum of 30 nights | Limited to £100/€100/US$100 each night up to a maximum of 30 nights | Limited to £100/€100/US$100 each night up to a maximum of 30 nights | Limited to £100/€100/US$100 each night up to a maximum of 30 nights | Limited to £100/€100/US$100 each night up to a maximum of 30 nights |
| Optional Benefit - Dental Treatment | |||||
| (6 month waiting period applies) | |||||
| Benefit | BRONZE (NO PRE-EX COVER) | BRONZE PLUS | SILVER | GOLD | PLATINUM |
| Overall Dental Treatment Limit | Optional dental treatment limits£1,000/€1,000/US$1,000£2,000/€2,000/US$2,000 | Optional dental treatment limits£1,000/€1,000/US$1,000£2,000/€2,000/US$2,000 | Optional dental treatment limits£1,000/€1,000/US$1,000£2,000/€2,000/US$2,000 | Optional dental treatment limits£1,000/€1,000/US$1,000£2,000/€2,000/US$2,000 | Optional dental treatment limits£1,000/€1,000/US$1,000£2,000/€2,000/US$2,000 |
| Class 1Routine examination, including check-up and routine x-rays.Cleaning and polishing (whether performed by a dental practitioner or hygienist)Fillings (amalgam or composite)Extractions of teeth other than wisdom teeth. | Limited to the overall dental limit and subject to a 10% co-insurance | Limited to the overall dental limit and subject to a 10% co-insurance | Limited to the overall dental limit and subject to a 10% co-insurance | Limited to the overall dental limit and subject to a 10% co-insurance | Limited to the overall dental limit and subject to a 10% co-insurance |
| Class 2Diagnostics tests and procedures.Wisdom tooth extraction when performed in a dental surgery.New porcelain crown/inlay.Repair of crown/inlay.Root canal treatment.New bridge. All costs relating to fitting a new bridge, including extractions of teeth and any of crowns required to support the new bridge.Repair of bridge. All costs relating to repairing a bridge, including extractions of teeth and any crowns required to support the bridge.New dentures. | Limited to the overall dental limit and subject to a 30% co-insurance | Limited to the overall dental limit and subject to a 30% co-insurance | Limited to the overall dental limit and subject to a 30% co-insurance | Limited to the overall dental limit and subject to a 30% co-insurance | Limited to the overall dental limit and subject to a 30% co-insurance |
| Class 3Orthodontic treatment (to move teeth or adjust underlying bone) when medically necessary for oral health.Dental implants to restore function or appearance following an accident. Notification of treatment must be received within five (5) days from the date of the accident occurring.Dental Surgery undertaken in a hospital or dental surgery by an oral and maxillofacial surgeon or surgical dentist:Surgical removal of impacted or buried wisdom teeth and extractions of complicated buried roots.Apicectomy | Limited to the overall dental limit and subject to a 50% co-insurance | Limited to the overall dental limit and subject to a 50% co-insurance | Limited to the overall dental limit and subject to a 50% co-insurance | Limited to the overall dental limit and subject to a 50% co-insurance | Limited to the overall dental limit and subject to a 50% co-insurance |
| Emergency dental treatmentEmergency dental treatment for the relief of pain, being treatment of an abscess, cracked or broken tooth rebuild or temporary filling. The treatment must be received within thirty-six (36) hours of the emergency event. | Limited to £250/€250/US$250 within the overall dental treatment limit | Limited to £250/€250/US$250 within the overall dental treatment limit | Limited to £250/€250/US$250 within the overall dental treatment limit | Limited to £250/€250/US$250 within the overall dental treatment limit | Limited to £250 €250 US$250 within the overall dental treatment limit |
| Accidental DamageAccidental Damage caused to sound natural teeth lost or damaged in an accident. Treatment must be received within five (5) days from the date of the accident occurring. | Full RefundWithin overall policy limit £1,000,000/€1,000,000/US$1,000,000 | Full RefundWithin overall policy limit £2,000,000/€2,000,000/US$2,000,000 | Full RefundWithin overall policy limit £3,000,000/€3,000,000/US$3,000,000 | Full RefundUp to the overall policy limit | Full RefundUp to the overall policy limit |