Student Health Advantage plan for students

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Spouse
Start Date
End Date
Destination
Citizenship
Student Health Advantage Standard
Plan Maximum
Deductible
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Student Health Advantage Platinum
Plan Maximum
Deductible
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Maximum limit
Student - $500,000 per period of coverage;
Dependent - $100,000 per period of coverage
Student - $1,000,000 per period of coverage;
Dependent - $100,000 per period of coverage
Maximum per injury/sickness
Student - $300,000;
Dependent - $100,000
Student - $500,000;
Dependent - $100,000
Deductible options
$250 per injury/sickness
Student health center - $5 copay per visit
For treatment received outside of US: $25 per injury/sickness
For treatment received inside of US: $100 (in PPO) & $150 (outside PPO) per injury/sickness
Student health center - $5 copay per visit
Pre-Existing Condition
Covered after a waiting period of 12 months Covered after a waiting period of 6 months
Maternity Newborn Care
No Coverage $5,000 maximum limit. Benefit includes newborn routine care during the first 31 days of life
After deductible is met, company pays 60% of eligible expenses out-of-network(U.S.), 80% in-network(U.S.) and 100% internationally
Emergency local ambulance
Per injury- up to $350
$350 per illness only if admitted as inpatient
Per injury- up to $750
$750 per illness only if admitted as inpatient
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International Student Health Insurance Coverage highlights

International student insurance benefits for students

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Health Insurance for International Students resources

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An overview

IMG Student Health Advantage for international students

International medical group Student health advantage insurance

One of the important high priority things to students coming to the US is International Student insurance to cover them in US during their stay in the US. International students from outside come to study in a number of US Universities on F1 Visa.

Sometimes we have the F2 Visa holder who is the spouse of F1 accompany their spouse to the US. The catch is to find the right insurance plan that fulfills their needs and satisfies any University requirement that is mandatory.

Most of the student plans cover some of the basic benefits such as hospital indemnity, outpatient services, prescription drugs, mental health… There are some specific requirements such as maternity, preventive care, wellness checkup which are offered by some specific plans.

Sometimes due to various reasons F1 visa international students who are not enrolled in any classes in the US require insurance .In these situation international students can buy short term US visitor’s medical insurance. The visitors’ health insurance plans are cheaper and perfect for international students in the US who are not enrolled in classes. International students can review visitors insurance USA and purchase insurance along with Covid19 student travel insurance USA coverage. Student Health Advantage Insurance offers international student insurance coverage for Covid illness for students studying outside their home country.

IMG Student Health Advantage plan from the company IMG(International Medical Group) includes most of the benefits mentioned above except preventive care and wellness checkup. Most of the US Universities agree for this insurance plan and it is one of the popular student plans purchased by F1 Visa holders and their dependents. Since this plan covers maternity, it is preferred by students whose spouses are thinking to get pregnant.

There is a 12 month waiting period with this plan to cover pre-existing condition. This plan also includes coverage for sports. Other than the Student Health Advantage Standard plan this plan has a Student Health Advantage Platinum plan Quotes option that provides enhanced benefits.

Compared to the Patriot Exchange which 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 coverage for Maternity, Sports, Mental Health and substance.
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Patriot America Lite Insurance
Insurance provider
International Medical Group
Plan life - Up to a maximum 5 years.
Student Health Advantage can be renewed online
Policy maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Deductible options?
$100 per illness or injury
Student Health Center: $5 copay per visit
Student Health Advantage insurance rating
AM Best Rating: "A" (Excellent)
Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans
Student Health Advantage Reviews
IMG Student Health Advantage reviews.
Student Health Advantage Links
  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Comprehensive plan

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.

Student Health Advantage Insurance - Frequently asked questions

01. Does Student Health Advantage covers Maternity ?

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.

02. What is IMG Student Health Advantage Insurance?

Student Health Advantage is designed for individuals or groups of five or more students or scholars participating in a sponsored study abroad program, and who desire an annually renewable medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

03. Student Health Advantage Insurance will cover Adventure Sports?

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.

04. Do this Student Health Advantage plan cover sports-related illness or injuries?

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.

05. What are the coverage limits of Student Health Advantage Insurance?

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.

06. Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

07. How long can I renew Student Health Advantage?

Student Health Advantage can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.

08. Can f2 visa holder buy Student Health Advantage insurance?

Student Health Advantage is one of the best health insurance for f1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.

09. Does Student Health Advantage Insurance cover covid illness?

IMG Covid19 travel insurance by Student Health Advantage insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

10. Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

11. Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

12. What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

13. Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

14. Who is eligible for Student Health Advantage insurance by IMG?

To be eligible for Student Health Advantage insurance, you must:

  • Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
  • Reside outside your country of residence for the purpose of pursuing international educational activities for a temporary period of time
  • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal
15. What are the benefits of Student Health Advantage student health insurance?

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
16. How much does Student Health Advantage student medical pay for COVID-19 expenses?

The amount that Student Health Advantage student medical insurance pays for COVID-19 expenses depends on the plan option you choose (Standard or Platinum), the provider network you use (UnitedHealthcare or outside), and the policy maximum and deductible you select. Generally, the plan pays as follows:

  • For Standard option, the plan pays 90% of eligible medical expenses up to $1K then 100% thereafter within the UnitedHealthcare network in the US; outside the network in the US, the plan pays 80% of eligible medical expenses up to the policy maximum. The policy maximum is $500K per policy period and the deductible is $100 per injury or illness.
  • For Platinum option, the plan pays 100% of eligible medical expenses within the United Healthcare network in the US; outside the network in the US, the plan pays 90% of eligible medical expenses up to $5K then 100% thereafter. The policy maximum is $1M per policy period and the deductible is $25 per injury or illness

Steps to compare and buy
Best International student insurance

 Step 1: Finding the available best health insurance for international plans

Complete the student insurance quotes request form by providing details of the student and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Step by step travel insurance

Factors for the cost of US student travel insurance

Question

Student’s age

The student’s age determines the cost of US student medical insurance. The prices for f1 visa US student insurance increases with the age of the student.

hour glass

The length of coverage

The price of student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.

Medical insurance

Maximum medical coverage

The cost of health insurance for international students in the US is directly dependent on the medical maximum coverage required. The cost of F1 student medical insurance is less for lower medical maximum and increases with higher medical maximum coverage.

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International student insurance review

At American Visitor Insurance, we are committed to getting you the best Covid19 international student health insurance in USA for covid coverage.

Earlier students had to buy affordable care act, ACA (Obamacare) compliant medical insurance. However recent changes by the US government has removed this requirement and international students can buy affordable health insurance for international students studying in the USA offered here without violating any US government requirements. There are few international student health insurance with Covid coverage:

IMG health insurance for international students in the US:

IMG offers affordable student health insurance coverage for Covid19 medical expenses. Their popular International student health insurance plans that offer coverage for medical expenses from Covid are

International students staying away from the home country need sufficient health insurance coverage with covid, as there is a surge of the new JN1 variant. Students can compare cheap health insurance for international students in the USA that fit their needs. Including covid coverage in the student insurance acts as a protection towards Covid irrespective of the variant.

Please know we are here to help you make the best, informed decision to get international students in usa Covid19 insurance plans! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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