🩺 IMG Student Health Advantage for International Students
One of the most important priorities for students coming to the US is securing International Student insurance to ensure they are covered during their stay. Students on an F2 Visa studying at US universities need reliable coverage that meets personal and university requirements.
In some cases, F2 Visa (spouses of F1 students) accompany them to the US. The challenge is finding an find the right insurance plan and complies with mandatory university insurance requirements.
What If Students Aren't Enrolled in Classes?
Sometimes, international students on F1 visas are temporarily not enrolled. In such cases, they can opt for short-term US visitor’s medical insurance which is:
- More affordable
- Perfect for non-enrollment periods
- Includes Covid-19 student travel insurance USA
Student Health Advantage Plan
- Student Health Advantage plan from the company IMG(International Medical Group)
- Includes most benefits except preventive care and wellness checkup
- Accepted by most U.S. universities
- popular student plans purchased by F1 Visa holders for F1 Visa holders and their dependents
- Preferred by students because it covers maternity for spouses planning pregnancy
- There is 12-month waiting period for pre-existing condition coverage
- This plan also includes coverage for sports
- Available in both Student Health Advantage Standard plan and Student Health Advantage Platinum plan Quotes option that provides enhanced benefits.
Student Health Advantage vs. Patriot Exchange – Key Comparison
- The Patriot Exchange is another popular student plan popular among the plans for J Visa holders as well from the same
- Insurer IMG
- Student Health Advantage plan provides additional benefits like
- Maternity coverage
Sports coverage
Mental Health benefits
Substance abuse coverage
📌What Is Student Health Advantage Insurance?
Student Health Advantage is a comprehensive student health insurance plan offered by IMG (International Medical Group). It is specifically designed for:
- International students and scholars
- Groups of five or more participating in long-term educational or cultural exchange programs outside their home country
This annually renewable plan meets the J1 and F1 visa health insurance requirements, making it an ideal choice for students and exchange visitors pursuing academic programs in the USA or abroad.
Recognized as one of the best international student health insurance options, the Student Health Advantage plan
students studying abroad offering essential benefits like maternity care, mental health support, organized sports coverage, and emergency medical evacuation.
Student health Advantage Standard:- Medical Maximum: $500,000
- Ideal for students looking for solid coverage at a lower premium
- Medical Maximum: $1,000,000
- Offers enhanced benefits and higher limits for students seeking more comprehensive protection
⭐Student Health Advantage insurance Reviews
What is the Student Health Advantage Insurance PPO network?
Student Health Advantage - Does united healthcare cover US travel and how to find hospital or doctor?U.S. Network Access :
IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
UnitedHealthcare provides travelers in the U.S. with access to one of the largest healthcare networks in the country, featuring more than 1.4 million physicians, 6,797 hospitals, over 45,000 clinics, 67,000 pharmacies, and 1,800 convenience clinics.
International Provider Access :When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA networkthat includes access to over 45,000 physicians and facilities, along with direct billing arrangements that help reduce both the time and upfront costs typically associated with medical care.
local_hospital Find Provider NetworkStudent Health Advantage Eligibility Requirements?
- Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types:F1/F2, J1/J2, M1/M2 or A1/A2
- Be at least 31 days old but not yet 65 year old.
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
- Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
What are the optional benefits in Student Health Advantage IMG?
Student Health Advantage insurance can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Student Health Advantage Insurance Adventure Sports Rider
- Available for those up to the age of 65 years.
- Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
- Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Age | Maximum limit |
|---|---|
| Student age from 0 to 49 years | $50,000 Maximum Limit per Injury or Illness |
| Student age from 50 to 59 years | $30,000 Maximum Limit per Injury or Illness |
| Student age from 60 to 64 years | $15,000 Maximum Limit per Injury or Illness |
2. Mobile Device Protection
Available for individuals only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
Student Health Advantage Insurance - Key Highlights
- This is a per injury and illness student insurance plan is available in two types namely Standard and Platinum plan.
- The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent.
- The Platinum plan provides a policy maximum of $1000,000 and $100,000 for a dependent.
- Deductible of $100 is applicable on this plan.
- The plan is renewable and has a maximum life of 5 years.
- The plan is available for people traveling outside their home country and the destination is the US.
- Student Health Advantage plan is available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders.
- Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
- Co-Insurance for charges incurred within the US and Canada in the PPO network is covered 100%; for out of PPO network, 80% is covered up to $5000 after which 100% is covered.
- Pre-existing condition coverage is available after a waiting period of 12 months.
- Covid-19 is covered in the plan as any other illness.
Am i eligible for the Student Health Advantage Platinum program?
- You must be a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program.
- You must be physically and legally residing in the host country (e.g., the U.S.) with the intent to stay for at least 30 days
- You can also be the spouse or dependent of a participant, residing outside your primary country of residence temporarily.
- The primary applicant should have a J1, M1, F1, or A1 visa, and the spouse must apply with the primary applicant.
- You must be at least 31 days old and under 65 years old.
- You cannot be hospitalized, disabled, pregnant, or HIV positive at the initial effective date.
- Studying Outside Your Home Country The plan is designed for individuals pursuing education outside their country of citizenship.
- Group Option Available If you're enrolling with five or more primary insureds, you may qualify for group pricing discounts.
💰How much does Student Health Advantage insurance cost per month?
The Student health advantage cost for students ranges from $95 to $766 per month for studying in USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $500,000 with $250 deductible and Student health advantage standard plan offers medical maximum of $1,000,000 with $100 deductible.
Both monthly and annual payment options are available.
| Student Age | Medical Maximum $500,000 | Medical Maximum $1,000,000 |
|---|---|---|
| Under 18 years | $95 | $282 |
| 19 – 23 years | $124 | $371 |
| 24 – 30 years | $146 | $428 |
| 31 – 40 years | $262 | $766 |
The Student health advantage program cost ranges from $73 to $353 per month for per month for studying abroad outside the USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $500,000 with $250 deductible and Student health advantage standard plan offers medical maximum of $1,000,000 with $25 deductible.
❓Student Health Advantage student insurance - FAQ's
Yes, Student Health Advantage platinum student insurance offers up to $5K maximum limit. Benefit includes new born routine care during the first 31 days of life.
Yes, the Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, white-water kayaking, wildlife safaris, and windsurfing.
All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity.
IMG Student Health Advantage insurance plan include customization options and add-ons, including add-on coverage for high school sports ;interscholastic, intramural, or club sports, personal liability and legal assistance.
Student Health Advantage Standard offers plan maximum up to $500k with deductible up to $250 while the Student Health Advantage Platinum offers plan maximum up to $1M with deductible up to $100.
Student Health Advantage insurance offers a range of benefits, such as:
- Medical benefits of up to $500K per policy period
- Deductible of $100 per injury or illness
- Coinsurance of 100% within the provider network or student health center in the US, and 80% up to $5,000 and then 100% outside the network in the US
- Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $5K for US citizens under age 65
- Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70
- Emergency medical evacuation and repatriation of remains benefits
- Accidental death and dismemberment benefit
- Terrorism coverage
- Sports and leisure activities coverage
- Identity theft assistance
