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IMG Student Health Advantage vs Patriot Exchange insurance review

Patriot Exchange vs Student Health Advantage insurance comparison

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Compare Student Plans Patriot Exchange Program
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Student Health Advantage
Patriot Exchange Program
Plan Maximum
Deductible
$54.00  Buy Now
for 1 Month 0 Day
Student Health Advantage Standard
Plan Maximum
Deductible
$68.00  Buy Now
for 1 Month 0 Day
Student Health Advantage Platinum
Plan Maximum
Deductible
$207.00  Buy Now
for 1 Month 0 Day
Coinsurance helpInside US:
In-Network: Plan pays 90%; Insured pays 10%
Out-of-Network: Plan pays 80%; Insured pays 20%
Ouside US: No Coinsurance		 Inside US:
In-Network: Plan pays 90%; Insured pays 10%
Out-of-Network: Plan pays 80%; Insured pays 20%
Ouside US: Plan pays 100% up to the policy maximum after the deductible		 Inside US:
In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum
Out of Network - The plan pays 80% up to the policy maximum.
Ouside US: Plan pays 100% up to the policy maximum after the deductible
Period of Coveragehelp1 month up to 12 months 1 month up to 12 months 1 month up to 12 months
Renewability helpUp to 48 months Up to 60 months Up to 60 months
 Medical Benefits
Hospital room and board help Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
Intensive care unit help In-Network - 90% up to policy maximum
Out-Network- 80% up to policy maximum
International- 100% up to policy maximum		 In-Network - 90% up to policy maximum
Out-Network- 80% up to policy maximum
International- 100% up to policy maximum		 In-Network - 90% up to policy maximum
Out-Network- 80% up to policy maximum
International- 100% up to policy maximum
Urgent Care Clinic help $50 copay. Copayment is not applicable if the Declaration states a $0 Deductible. Not subject to deductible Not Available Not Available
 Emergency Services
Emergency local ambulance help Subject to Deductible
Injury
Illness resulting in a Hospitalization admission
In-Network: 100%
Out-of-Network: 100%
International: 100%		 Period of Coverage Limit per Injury $350
Period of Coverage Limit per Illness $350 (resulting in an Inpatient		 Period of Coverage Limit per Injury $750
Period of Coverage Limit per Illness $750 (resulting in an Inpatient
Hospital emergency room help Subject to a $500 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
 Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
 Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
 Dental
Emergency dental treatment help Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth)
Period of Coverage Limit per Injury: $500 (Non-emergency Treatment at a Dental Provider due to an Accident)		 Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth)
Period of Coverage Limit per Injury: $500 (Non-emergency Treatment at a Dental Provider due to an Accident		 Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth)
 Pre-existing condition
Pre-existing conditions help After 12 months of continous coverage $500 per period of coverage; $1,500 lifetime maximum. Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance. Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded until the Insured Person has maintained 6 months of continuous coverage under this insurance.
 Life
AD&D help Principal Sum Maximum: $25,000
Death must occur within 90 days of the Accident		 $25,000 principal sum, Not subject to deductible $25,000 principal sum, Not subject to deductible
 Evacuation
Emergency medical evacuation help Up to $50,000 lifetime maximum Up to $500,000 lifetime maximum Up to $500,000 lifetime maximum
Emergency reunion help $15,000 maximum limit. Not subject to deductible $50,000 lifetime maximum $50,000 lifetime maximum
Return of mortal remains or cremation/burial help $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial $50,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial $50,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
Political evacuation and repatriation help $10,000 lifetime maximum $10,000 lifetime maximum $10,000 lifetime maximum
Terrorism help $50,000 maximum limit. Not subject to deductible Not Covered Not subject to Deductible and Coinsurance
Maximum Limit: $50,000
Unique Advantages
  • The deductible can be $500 or less with no further costs for the insured (while most plans have coinsurance which still must be paid after the deductible).
  • The student can buy this plan with a sports rider to cover activities such as downhill skiing.
  • The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent.
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
  • The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent.
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
 Travel Insurance
Underwriter SiriusPoint Specialty Insurance Corporation SiriusPoint Specialty Insurance Corporation SiriusPoint Specialty Insurance Corporation
Rating AM Best Rating: "A-" (Excellent) and A- by Standard & poor's "A-" (Excellent) and A- by Standard & poor's AM Best Rating: "A" (Excellent)
Brochure and Details

IMG Student Health Advantage vs Patriot Exchange Program insurance

Patriot Exchange Insurance is a plan from IMG (International Medical Group), which is designed for international students and scholars coming to the US. International students coming to the US on F1 visa can buy F1 Student visa while research scholars, professors and exchange visitors coming to the US on the J1 Visa can buy J1 Visa Insurance. J1 Visa holders also come to participate in programs that promote cultural exchange and to get medical and business training in the US. J1 visa holders are required according to the US immigration authorities to have J visa insurance. International students on the F1 Visa who are enrolled in an US University usually need to have a health insurance plan according to University rules.

student insurance

The plan pays 10% of the first $10,000 with an out of pocket maximum of $1,000 within the provider network in the US, and the plan pays 20% with no cap (besides the maximum of the plan; so it’s a straight 80/20 plan) in outside the network in the US. Outside the US, there is no coinsurance. It offers $5 co-pay per visit to Student Health Center.

This student plans must satisfy rules and requirements that the University states. The University will have a health insurance plan that they recommend to students, or in some cases allow students buy private health insurance plan as long as it satisfies certain requirements. Students may also have their own unique requirements from the plan and each individual might need a particular benefit to be available on the plan. In this situation, it is a good idea to find student insurance plans online from reputed US companies.

Which is the best health insurance for international students in USA?

Patriot Exchange IMG

  • Ideal for : F1 & J1 students visa holders, Medical Coverage
  • Pre-existing condition: Covered after 6 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 24 months.
  • Patriot Exchange Program insurance cost for a 20 years old student starts from $56 per month ($675 per year). An annual payment option is available to students.

  • Policy maximum?
    $50,000, $100,000, $250,000, $500,000, 50,00,000

  • Deductible options?
    $0, $100, $250, $500

  • Period of coverage?
    1 month up to 12 months

Student Health Advantage IMG

  • Ideal for : F1 & J1 students visa holders, holdersMaternity
  • Pre-existing condition: Covers after 12 months of waiting period
  • Mental health: Out Patient : Max 50 visits, maximum limit, Inpatient: Up to $10,000
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Renewal: Can be renewed and extended up to 60 months.
  • Student Health Advantage Platinum insurance cost for a 20 years old student starts from 118 per month ($1,416 per year), both monthly and annual payment options are available. Offers high policy maximum and good coverage for various medical emergencies.

  • Policy maximum?
    $500,000

  • Deductible options?
    $250

  • Period of coverage?
    1 month up to 12 months

How much does IMG Student Insurance cost?

The IMG International student insurance cost ranges from $56 to $353 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.

FEATURES & BENEFITS Patriot Exchange Student Health Advantage Standard Student Health Advantage Platinum
Cost* $56 $118 $353
Overall Maximum $50,000 $500,000 $1,000,000
Pre-existing Condition Covered after 12 months Covered after 12 months Covered after 6 months
Emergency local ambulance Up to the maximum limit Up to $350 Up to $350
Sports Coverage Adventure Sports rider option available Covers intercollegiate, interscholastic activities Covers intercollegiate, interscholastic activities
*The cost of IMG Student insurance per month for an international student aged 20 years

International Student Health Insurance Coverage highlights

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International Student Health Insurance Reviews

“ After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance website and the customer representatives were really patient and helpful in guiding me with the best plan. ”

Anirudh

Anirudh

“ Your customer service provided me with perfect service and helped me very much to find policy I needed (for J2 visa). She was very polite and answered all my questions. I'm fully satisfied with the service. Thank you very much! ”

Amanda

Amanda

IMG student Insurance for International Students

What is the best US based Underwriter for F1 visa student insurance?

Hi,
Looking to buy your Patriot Exchange program.
I am a UK citizen and will be doing my Masters in Ohio, USA and have my F1 visa.

My University's own healthcare plan has stipulated if I take out my own healthcare plan they need to be based in the USA and the underwriters need to be American too. If the Insurance plans are not underwritten within the United States they do not meet waiver requirements. Plans that are not underwritten in the United States are not required to meet mandated benefit and underwriting regulations as set forth by the Affordable Care Act (ACA).


Can you please let me know as soon as you can.
Thanks,
Lisa
Hi Lisa,

The Patriot Exchange program is administered by the International Medical Group, which is based in Indianapolis.

The plan is underwritten and issued by SiriusPoint Specialty Insurance Corporation. SiriusPoint is a global underwriter of insurance and reinsurance providing solutions to clients and brokers around the world. Bermuda-headquartered with offices in New York, London, Stockholm and other locations, they are listed on the New York Stock Exchange (SPNT)

Patriot Exchange Insurance

description Plan Details shopping_cart Buy Now
I hope this answers your questions about the Patriot Exchange program.

Thanks,
Customer support,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

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International Medical Group Travel Insurance - FAQ’s

1.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.

2. How long can I renew Patriot Exchange?

Patriot Exchange is available for 12 months and it can be renewed for 48 months.

3. Can f2 visa holder buy Patriot Exchange insurance?

Patriot Exchange 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.

4. 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.

5. 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.

6. 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.

7. Which insurance company is best for Student Travel insurance?

For Student Travel insurance, IMG's Patriot Exchange and Student Health Advantage are two great options :

  • Patriot Exchange is ideal for short-term trips, offering affordable coverage with limits up to $500,000.
  • Student Health Advantage is better for longer-term stays, providing higher coverage limits (up to $1,000,000) and more comprehensive benefits.

airplanemode_inactive IMG Insurance Restrictions

IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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