 Brochure & Details links |
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| Coronavirus Coverage |
| IMG Covid19 Student health insurance by Patriot Exchange Insurance with coronavirus coverage covers Covid19 illness for international students outside their home country. |
IMG Coronavirus Student health insurance by Student Health Advantage Insurance with covid19 coverage covers Covid19 illness for international students outside their home country. |
IMG Coronavirus Student health insurance by Student Health Advantage Insurance with covid19 coverage covers Covid19 illness for international students outside their home country. |
 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) |
 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
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Covered after 12 months of waiting period
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Covered after 6 months of waiting period
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 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
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- Due to Accident - $500 maximum per accident
- Due to Sudden Pain - Up to $350 maximum
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- Due to Accident - $500 maximum per accident
- Due to Sudden Pain - Up to $350 maximum
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 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 |
 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 |
 Maternity Coinsurance |
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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
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 Routine newborn care |
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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..
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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.
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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.
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