Student Health Advantage Insurance
Comprehensive international student health insurance designed for international students and scholarsInternational Medical Group (IMG) offers the Student Health Advantage plans which provides comprehensive international student medical insurance to students and scholars pursuing their education outside their home country. There are two plan options available standard and platinum plan. Student Health Advantage covers mental health, organized sports and pre-existing conditions. If there is no break in coverage, the plan may be renewed for up to five years.
| Buy Now | Buy Now |
|---|---|
| Maximum limit help | |
| Student - $500K per period of coverage; Dependent - $100K per period of coverage |
Student - $1M per period of coverage; Dependent - $100K per period of coverage |
| Maximum per injury/sickness | |
| Student - $300K; Dependent - $100K |
Student - $500K; Dependent - $100K |
| Deductible options help | |
| $250 per injury/sickness Student health center - $5 copay per visit |
For treatment received outside of US: $25 per injury/sickness For treatment received inside of US: $100 (in PPO) & $150 (outside PPO) per injury/sickness Student health center - $5 copay per visit |
| Pre-Existing Condition help | |
| Covered after a waiting period of 12 months | Covered after a waiting period of 6 months |
| Maternity Newborn Care help | |
| No Coverage | $5K maximum limit. Benefit includes newborn routine care during the first 31 days of life After deductible is met, company pays 60% of eligible expenses out-of-network(U.S.), 80% in-network(U.S.) and 100% internationally |
| Emergency local ambulance help | |
| 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 |
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Find the best insurance quotes »What is Student Health Advantage insurance?
The Student Health Advantage is a comprehensive IMG student health insurance plan designed for international students, scholars, and groups of five or more participating in long-term educational or cultural exchange programs outside their home country. This plan provides annually renewable coverage that meets J1 and F1 visa health insurance requirements. Student Health Advantage program is the one of the best health insurance for students studying abroad offering essential benefits like maternity care, mental health support, organized sports coverage, and emergency medical evacuation.
Student Health Advantage provides two sub plans designed to meet various needs of international students and scholars- Student health Advantage Standard: $500,000 medical maximum
- Student Health Advantage Platinum : $1,000,000 medical maximum
Student Health Advantage insurance Reviews
How much is Student Health Advantage insurance coverage?
What is a deductible in Student Health Advantage insurance?
What is a PPO network in Student Health Advantage medical insurance?
What is a Coinsurance in Student Health Advantage insurance?
What are the benefits of Student Health Advantage insurance?
- Student Health Advantage meets US student, scholar, and cultural exchange program visa requirements.
- Coverage is available for individuals or groups consisting of five or more students along with their dependents.
- Provides medical coverage for intercollegiate, interscholastic, intramural, and club sports.
- The Student Health Advantage Standard plan covers pre-existing conditions after 12 months of continuous coverage, while the Student
- Advantage Platinum plan provides coverage after six months.
- Covers international emergency care.
- Offers coverage for emergency medical evacuation up to $500,000 per person.
What is the Student Health Advantage eligibility requirements?
- Be 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
- Be at least 31 days old but not yet 65 year old.
- Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal.
- Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
What are the optional benefits in Student Health Advantage IMG?
How much does Student Health Advantage insurance cost per month?
The Student health advantage cost for students ranges from $91 to $730 per month. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $500,000 with $250 deductible and Student health advantage standard plan offers medical maximum of $1,000,000 with $100 deductible. Both monthly and annual payment options are available.
What are the Student Health Advantage benefits?
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Eligible medical expenses help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumHospital room and board help Average semi-private room rate, including nursing services
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumSurgery help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumIntensive care unit help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumStudent Health Center help $5 co-pay per visit. Not subject to deductible. Mental/Nervous help Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximum -
Coinsurance
In addition to DeductibleIn-Network: Plan pays 90%, insured pays 10%
Out-Network: Plan pays 80%, insured pays 20%
International: Plan pays 100%, insured pays 0%Out of Pocket Maximum In-Network: $1K
Out-Network: Up to the Maximum Limit
International: $0 -
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met Physician visits help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumTeladoc Consultation help Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only) Emergency Room and Outpatient Office Visits Prescription Drugs and Medication In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumRadiology / X-ray help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumLaboratory help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumAssistant Surgeon help 20% of the primary surgeon’s eligible fee
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumAnesthesia help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumRetail Pharmacy Prescription Drugs and Medication help Dispensing maximum for Retail Pharmacy: 90 days per prescription
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumPhysical Therapy help In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumPrescription Drugs and Medications help Period of Coverage limit: $250K per person
Spouse and Child: Up to the Maximum Limit ($100K) -
Emergency local ambulance help Up to $350 Hospital emergency room help Injury: Not subject to Emergency Room Deductible
Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission.
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumInterfacility ambulance transfer help Company pays 100% Emergency dental treatment help Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum
In-Network: Not Covered
Out-Network: 90% up to policy maximum
International: 100% up to policy maximumTraumatic Dental Injury In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumEmergency medical evacuation help $500K maximum limit Emergency reunion help $50K lifetime maximum Repatriation for Medical Treatment $100K maximum limit. Not subject to deductibley Return of mortal remains or cremation/burial help $50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial Political evacuation and repatriation help $10K lifetime maximum Pre-Existing Condition help Standard:Covered after a waiting period of 12 months
Platinum: Covered after a waiting period of 6 monthsAccidental death & dismemberment help $25K principal sum, Not subject to deductible Intercollegiate/interscholastic/intramural or club sports $5K maximum per injury or illness Incidental Emergency in the U.S. help Up to a cumulative 14 days (available for non-U.S. residents only)
In-Network: 90% up to policy maximum
Out-Network: 80% up to policy maximum
International: 100% up to policy maximumTerrorism help $50K maximum limit. Not subject to deductible
How much does Student Health Advantage student insurance cost per month?
The Student health advantage program cost ranges from $70 to $336 per month in Outside USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $500,000 with $250 deductible and Student health advantage standard plan offers medical maximum of $1,000,000 with $25 deductible. Both monthly and annual payment options are available.
What is Plan details of Student Health Advantage travel insurance?
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What is pre-certification requirements for Student Health Advantage medical insurance?
Student Health Advantage Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
- Certain treatment and supplies including hospital admission, inpatient or outpatient surgery, and other procedures as noted in the certificate wording must be pre certified for medical necessity, which means the insured person or their attending physician must communicate with an IMG representative at the number listed on the IMG ID card prior to admission to a hospital, before receiving certain treatments and supplies or performance of a surgery.
- In case of an emergency admission, the precertification must be made within 48 hours of the admission, or as soon as reasonably possible.
- If a hospital admission or a surgery is not pre certified, eligible claims and expenses will be reduced by 50 percent.
- It is important to note that precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits, or a guarantee of payment. All medical expenses eligible for reimbursement must be medically necessary and will be paid or reimbursed at usual, reasonable, and customary rates.
- Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
- Please refer to the certificate wording for full details of the precertification requirements.
- The insured can begin the process of precertification by logging on to MyIMG Login To MyIMG - International Medical Group imglobal.com or the Client Resources section of imglobal.com. Look for the precertification option and submit the required information.
- Please note that this online service will only initiate the process for treatment and supplies outlined in the contract, and it should not be used to request precertification for emergency admissions, procedures or evacuations.
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Conditions of Coverage for Student Health Advantage
- Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
- Coverage under this plan is secondary to any other coverage
- Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
- Charges must be administered or ordered by a physician
- Charges must be incurred during the period of coverage or benefit period
- Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.
What is the Student Health Advantage Insurance PPO network?
IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
If you purchase Patriot Exchange insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
local_hospital Find Provider NetworkStudent Health Advantage student insurance - FAQ's
Yes, Student Health Advantage platinum student insurance offers up to $5K maximum limit. Benefit includes new born routine care during the first 31 days of life.
Yes, the Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, white-water kayaking, wildlife safaris, and windsurfing.
All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity.
IMG Student Health Advantage insurance plan include customization options and add-ons, including add-on coverage for high school sports ;interscholastic, intramural, or club sports, personal liability and legal assistance.
Student Health Advantage Standard offers plan maximum up to $500k with deductible up to $250 while the Student Health Advantage Platinum offers plan maximum up to $1M with deductible up to $100.
Student Health Advantage insurance offers a range of benefits, such as:
- Medical benefits of up to $500K per policy period
- Deductible of $100 per injury or illness
- Coinsurance of 100% within the provider network or student health center in the US, and 80% up to $5,000 and then 100% outside the network in the US
- Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $5K for US citizens under age 65
- Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70
- Emergency medical evacuation and repatriation of remains benefits
- Accidental death and dismemberment benefit
- Terrorism coverage
- Sports and leisure activities coverage
- Identity theft assistance
How do I file a claim with Student Health Advantage Insurance?
To file a claim with Student Health Advantage medical insurance for international students, follow these steps:
- Download the Claims Form: Access the Student Health Advantage insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Student Health Advantage Insurance?
Student Health Advantage Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
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