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
Maximum
Deductible
Student Health Advantage Standard
Maximum
Deductible
Student Health Advantage Platinum
Maximum
Deductible
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
- 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
file  Underwriter
Sirius International Insurance Corporation Sirius International Insurance Corporation Sirius International Insurance Corporation

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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