IMG

Compare IMG Patriot Exchange vs Student Health Advantage Insurance plans

Compare and review benefits and coverage limits of International Medical Group (IMG) Global Medical plans to find best plan for your needs.


Compare International Medical Group Student Insurance Plans

Age
Start Date
End Date
Coverage Region
Citizenship
Patriot Exchange
Plan Maximum
Deductible
Student Health Advantage Standard
Plan Maximum
Deductible
Student Health Advantage Platinum
Plan Maximum
Deductible
brochure  Brochure & Details links
» Patriot Exchange Student Insurance Brochure
» Patriot Exchange Student Insurance Details
» Patriot Exchange Student Insurance Reviews
» Student Health Advantage Standard Insurance Brochure
» Student Health Advantage Standard Insurance Details
» Student Health Advantage Standard Insurance Reviews
» Student Health Advantage Platinum Insurance Brochure
» Student Health Advantage Platinum Insurance Details
» Student Health Advantage Platinum Insurance Reviews
file  Underwriter
Patriot Exchange Student Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Student Health Advantage Standard Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Student Health Advantage Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Best Rating  Rating
Patriot Exchange Student Insurance Rating
AM Best Rating: "A" (Excellent)
Student Health Advantage Standard Insurance Rating
AM Best Rating: "A" (Excellent)
Student Health Advantage Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Pre-existing  Pre-existing conditions
Sudden & Unexpected Recurrence of a Pre-existing Condition (U.S. Citizens plan only)
  • Eligible Medical Expenses: $5,000 lifetime maximum
  • Emergency Medical Evacuation: $25,000 lifetime maximum
Covered after 12 months of waiting period Covered after 6 months of waiting period
coinsurance  Coinsurance - for treatment received inside the U.S. & Canada:
No Coinsurance In the PPO Network or Student Health Center
No Coinsurance

Out of the PPO Network
The plan pays 80% of the first $5,000 of the eligible charges, then 100% thereafter
In the PPO Network or Student Health Center
No Coinsurance

Out of the PPO Network
The plan pays 80% of the first $5,000 of the eligible charges, then 100% thereafter
hostpital  Hospital Room and Board
Up to average semi-private room rate Up to average semi-private room rate, including nursing service Up to average semi-private room rate, including nursing service
Dental  Dental Treatment
  • Due to Accident - $500 maximum per accident
  • Due to Sudden Pain - Up to $350 maximum
  • Due to Accident - $500 maximum per accident
  • Due to Sudden Pain - Up to $350 maximum
  • Due to Accident - $500 maximum per accident
  • Due to Sudden Pain - Up to $350 maximum
evacuation  Emergency Medical Evacuation
Up to $50,000 lifetime maximum Up to $500,000 lifetime maximum Up to $500,000 lifetime maximum
Terrorism  Terrorism
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Repatriation  Return of Mortal Remains or Cremation / Burial:
Up to $25,000 for Return of Mortal Remains or $5,000 for Cremation/Burial Up to $50,000 for Return of Mortal Remains Up to $50,000 for Return of Mortal Remains
Accidental  Accidental Death and Dismemberment
Accidental Death - $25,000
Dismemberment - $25,000 (two limbs); $12,500 (one limb)
Accidental Death - Student: $25,000; Spouse: $10,000; Dependent: $5,000
Dismemberment - Accidental dismemberment percentage of principle sum
Accidental Death - Student: $25,000; Spouse: $10,000; Dependent: $5,000
Dismemberment - Accidental dismemberment percentage of principle sum
pregnancy  Maternity Coinsurance
-
No Coverage Outside the US: 100% of eligible expenses
In US and PPO Network: 80% of the eligible expenses
Non-PPO Network: 60% of the eligible expenses
new born  Routine newborn care
- No Coverage $750 maximum per period of coverage
Ambulance  Ambulance
Company pays 100%.Transfer must be a result of inpatient hospital admission
(Not subject to deductible).
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
unique  Unique Advantages
Patriot Exchange Insurance Advantages:
  • Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage.
  • "Adventure Sports Rider" is available for purchase.
  • Discounted prices for pharmacy prescriptions at universal Rx pharmacy..
Student Health Advantage Standard Advantages:
  • Coverage for individual or groups of two or more members and their dependents.
  • Student Health Advantage plan as a monthly payment option.
  • Optional adventure sports rider up to the age of 65 years.
Student Health Advantage Platinum Advantages:
  • Coverage for individual or groups of two or more members and their dependents.
  • Student Health Advantage plan as a monthly payment option.
  • Optional adventure sports rider up to the age of 65 years.

Compare Patriot Exchange vs Student Health Advantage Insurance plans

International Medical Group Has designed Patriot Exchange Insurance and Student Health advantage insurance for international students. These are comprehensive medical insurance plans ideal for international students, exchange scholars taking part is full time study abroad courses. Both these plans are underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company and have AM Best Rating of "A" (Excellent). International Medical Group has been offering international health insurance since 27 years and is popularly known for its excellent claims settlement. It is advisable to compare Patriot Exchange and Student Health Advantage plans before buying the best plan satisfying your needs. They both satisfy university requirements and US J visa requirements, After the student or exchange scholar has purchased the student medical insurance, a waiver form showing the proof of comparable coverage and visa letters would be sent on request.
Patriot Exchange Insurance offers basic student medical insurance coverage for international students from $50,000 up to $500,000. It has no coinsurance.
Student Health Advantage Standard Insurance offers international student health insurance coverage up to $500,000. The per injury illness maximum for this plan is $500,000 for student. It doesn’t offer coverage for maternity and new born care.
Student Health Advantage Platinum Insurance offers medical coverage up $1,000,00. The per injury illness maximum for this plan is $500,000. The platinum insurance offers coverage for Maternity and new born care. Outside the US: 100% of eligible expenses is covered, in US and PPO Network 80% of the eligible expenses and in non-PPO Network 60% of the eligible maternity expenses are covered.
Both the standard and the platinum plans cover high school sports, mental illness... Both the plans also cover acute onset of pre-existing conditions. The standard plan has a 12 month waiting period for coverage of pre-existing conditions and the Platinum plan has 6 month waiting period for coverage of pre-existing conditions. The Platinum plan has less deductible of $25.

Patriot Exchange vs Student Health Advantage Insurance

IMG's Patriot Exchange vs Student Health Advantage

Patriot Exchange student health insurance plan has been designed keeping the US Universities and their requirements for F1 and J1 Visa holders in mind. This plan satisfies typical university F1 and US immigration authorities J1 Visa requirements. Student Health Advantage is another student plan from IMG that is designed to the needs of international students coming to the US for higher education. It meets the J1 visa requirements and is also suitable for F1 Visa holders and their dependents. There are two types of Student health advantage plans namely Standard and Platinum.

Read More
student group travel insurance
Group travel insurance for students
Students traveling overseas in groups can purchase the group insurance plans. This makes it a lot easier to administer the plan and these plans are cheaper than buying individual student travel plans

VIEW GROUP PLANS

Different Student Insurance Visas

J1 visa holders

Insurance for Exchange scholars satisfying visa requirements

F2 dependents

Insurance plans for dependents of an F1 visa holders

US Student Abroad

Insurance plans for US students studying outside their home country

J2 dependents

Insurance for J2 visa dependants satisfying visa requirements

OPT Status within F1 visa

Insurance plans for students on OPT status

M1 visa holders

Medical insurance for students on vocational training.

Student health insurance information

International Medical Group, IMG travel insurance Links

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