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 $50K up to $500K. It has no coinsurance.
Student Health Advantage Standard Insurance offers international student health insurance coverage up to $500K. The per injury illness maximum for this plan is $500K for student. It doesn’t offer coverage for maternity and new born care.
Student Health Advantage Platinum Insurance offers medical coverage up $100K. The per injury illness maximum for this plan is $500K. 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 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.
This the maximum coverage that the plan would offer for the medical expenses. Patriot Exchange insurance offers medical coverage for students up to 5M. Student Health Advantage Standard offers maximum coverage for Student - $500K per period of coverage; Dependent - $100K per period of coverage. Student Health Advantage Platinum Insurance Coverage for Student - $1M per period of coverage; Dependent - $100K per period of coverage.
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Patriot Exchange offer a set of deductible options for the travelers to choose from has deductible options from $0 up to $500 while Standard plan: Student- $500K; Dependent- $100K and Platinum plan: Student- $1M; Dependent- $100K.
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
This is a percentage of the bill that the travel has to pay.
Patriot Exchange
The plan pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US. Outside the US, the plan covers 100% up to the policy maximum after the deductible.
Student Health Advantage Plan
The plan pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US. Outside the US, the plan covers 100% up to the policy maximum after the deductible.
Patriot Exchange student insurance can be renewed online up to 48 months while Student Health Advantage can be renewed up to a maximum 5 years.
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot Exchange and Student Health Advantage both has an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types: F1/F2, J1/J2, M1/M2 or A1/A2.
Patriot Exchange and Student health advantage standard covers after a waiting period of 12 months and Student health advantage platinum covers after a waiting period of 6 months.
Patriot Exchange, Student Health Advantage Standard and Student Health Advantage Platinum
International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad. Also, some international programs may require certain levels of health insurance while participating in their programs. Luckily, we at American Visitor Insurance have made it easy to compare and find a cheapest health insurance for international students in USA just right for you and your situation.
The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.
Insurance plans for US students studying outside their home country.
Know more »Insurance plans for students on OPT status, OPT student health insurance.
Know more »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 |
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).
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
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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.
Know more »The Patriot Exchange student insurance plan is available for spouse and dependent children even if the primary F1 or J1 visa holder is not on this insurance plan. If a J1 Visa holder wants to buy this plan for his J2 spouse or children, then Patriot Exchange insurance plan can be purchased for the J2 visa holders. The same is true for F2 visa holders as they can buy Patriot Exchange student insurance even if the F1 visa holder is not on the Patriot exchange student insurance 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 Covid 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.
Compare quotes online for student insurance online, Comparison of student insurance from top rated insurance providers.
Click here to read more »Comparing student insurance to find the plan for your needs.
Click here to read more »Comparing international student insurance to find the plan for your requirements.
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Patriot Exchange student insurance is an international student health insurance plan offered by IMG (International Medical Group) for the medical insurance needs of international students (F1 visa holders in the US), scholars, and cultural exchange participants (J visa holders in the US) studying or engaging in educational programs abroad
Read more »Student Health Advantage is designed by IMG for students or scholars participating in a sponsored study abroad program, and who want an annually renewable medical plan. The Students health advantage student insurance plan covers pre-existing condition coverage after the first 12 months of the plan.
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