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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 Coronavirus Student Insurance Plans

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Patriot Exchange
Plan Maximum
Deductible
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Student Health

Advantage Standard
Plan Maximum
Deductible
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Student Health

Advantage Platinum
Plan Maximum
Deductible
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Covid 19 Coverage Covers Covid19 illness Covers Covid19 illness Covers Covid19 illness
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 - 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
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 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
Emergency Medical Evacuation Up to $50,000 lifetime maximum Up to $500,000 lifetime maximum Up to $500,000 lifetime maximum
Terrorism Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
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
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
Routine newborn care - No Coverage $750 maximum per period of coverage
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 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.

 Accident death and dismemberment
Common Carrier 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

 Travel Insurance
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
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)
Brochure and Details

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.
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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.


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IMG Patriot Exchange vs Student Health Advantage Insurance plans- FAQs

  • Patriot Exchange
  • Student Health Advantage
  • Student Advantage Platinum

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

IMG Covid19 travel insurance by Patriot Exchange 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.

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

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.

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

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.

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.

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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

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.

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.

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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