📌 What is IMG Student Health Advantage Platinum Insurance?
Ideal for international students to the U.S., Starting at just $9.40/day*
IMG Student Health Advantage Platinum is a comprehensive benefit international student health insurance plan designed for students and scholars participating in a sponsored study abroad program. The plan offers high coverage limits, including up to $1,000,000 per coverage period, and is ideal for those seeking long-term protection, with coverage available for up to five years. Key benefits include maternity coverage, mental health services, and pre-existing condition coverage after six months of continuous enrollment.
The plan also provides emergency medical evacuation, COVID-19 treatment, and access to the UnitedHealthcare PPO network for direct billing. It is especially well-suited for F1/F2 and J1/J2 visa holders looking for reliable and enhanced healthcare coverage throughout their academic journey abroad.
Traveler can get all the plan document and plan id card by using Student Health Advantage Platinum login. At American Visitor Insurance, International travelers can contact the Student Health Advantage Platinum insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
⭐ IMG Student Health Advantage Platinum Insurance Reviews
🧾 How Much is Student Health Advantage Platinum Insurance Coverage?
The policy maximum amount of coverage is the total dollar amount of benefits available under the Student Health Advantage Platinum plan. Once the maximum is reached, no additional benefits will be paid.
- Students: up to $1,000,000 per policy period,Dependents: up to $100,000
📉 What is a Deductible in Student Health Advantage Platinum Insurance?
The deductible is the amount the insured must pay before Student Health Advantage Platinum insurance starts to cover expenses.
Student Health Advantage Platinum insurance has deductible options of : $100 per illness or injury,Student Health Center: $5 copay per visit.
❓Why choose IMG Student Health Advantage Platinum insurance?
- High Maximum Medical Coverage: Up to $1,000,000 per insured for illness and injury, providing peace of mind for major medical events.
- Pre-Existing Conditions: Covered after a 6-month waiting period, ensuring support for longer-term or chronic health needs.
- Maternity and Newborn Benefits: Includes maternity coverage and routine newborn care (up to $5,000 for first 31 days), a rare and valuable feature for student plans.
- Mental Health Coverage: Both inpatient and outpatient mental health services are included, supporting holistic well-being.
- Dependents Included: Spouses and eligible children (F-2/M-2/J-2) can be insured, even if the primary student is not enrolled.
- Renewable and Flexible: Coverage can be renewed monthly, up to 5 years (60 months), facilitating continued protection throughout long-term study programs.
- Meets Visa Requirements: Compliant with U.S. F-1, J-1, M-1 visa regulations and typical Schengen requirements, simplifying the enrollment process.
👤 Am I Eligible For The Student Health Advantage Platinum Program?
- You must be a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program.
- You must be physically and legally residing in the host country (e.g., the U.S.) with the intent to stay for at least 30 days
- You can also be the spouse or dependent of a participant, residing outside your primary country of residence temporarily.
- The primary applicant should have a J1, M1, F1, or A1 visa, and the spouse must apply with the primary applicant.
- You must be at least 31 days old and under 65 years old.
- You cannot be hospitalized, disabled, pregnant, or HIV positive at the initial effective date.
- Studying Outside Your Home Country The plan is designed for individuals pursuing education outside their country of citizenship.
- Group Option Available If you're enrolling with five or more primary insureds, you may qualify for group pricing discounts.
👤 How Long Can I Renew Student Health Advantage Platinum Insurance?
You can renew the Student Health Advantage Platinum insurance plan monthly for up to a maximum of 60 continuous months, as long as you continue to meet eligibility criteria and pay premiums on time. This offers flexibility to maintain coverage throughout your entire study period.
💰 How Much Does Student Health Advantage Platinum Insurance Cost Per Month?
The Student Health Advantage Platinum insurance cost per month is starting at just $282 to $766 and the cost depends on:
- Student age
- Selected policy maximum
- Deductible amount
Example: Below is the monthly cost of Student Health Advantage Platinum insurance of coverage with a $100 deductible, provided by American Visitor Insurance.
| Student Age | Medical Maximum $1,000,000 |
|---|---|
| Under 18 years | $282 |
| 19 – 23 years | $371 |
| 24 – 30 years | $428 |
| 31 – 40 years | $766 |
The Student health advantage Platinum cost ranges from $221 to $353 per month for per month for studying abroad outside the USA.. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage platinum plan offers medical maximum of $1,000,000 with $25 deductible.
For example here we are showing cost per month with a deductible of $25.
✅ What Are The Benefits Of Student Health Advantage Platinum Insurance?
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Intercollegiate / Interscholastic / Intramural or Club Sports help Period of Coverage Limit per illness or injury: $5,000
In-Network: 90%
Out-of-Network: 80%
International: 100%Dental Treatment help Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth)
Period of Coverage Limit per Injury: $500 (Non-emergency Treatment at a Dental Provider due to an Accident)Eligible Medical Expenses In-Network: 90%
Out-of-Network: 80%
International: 100%Intensive Care help In-Network: 90%
Out-of-Network: 80%
International: 100%Maternity and Newborn Care help Maximum Limit: $5,000
Pre-natal care, delivery of a Newborn, and post-natal care of an Insured Person, including complications
Newborn routine care during the first 31 days of lifeHospital Emergency Room help 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.Hospital Room and Board help Average semi-private room rate
Includes nursing, miscellaneous and Ancillary ServicesOutpatient Surgical / Hospital Facility help In-Network: 90%
Out-of-Network: 80%
International: 100%Laboratory help In-Network: 90%
Out-of-Network: 80%
International: 100%Chemotherapy / Radiation Therapy help In-Network: 90%
Out-of-Network: 80%
International: 100%Pre-Admission Testing In-Network: 90%
Out-of-Network: 80%
International: 100%Reconstructive Surgery help Surgery is incidental to and follows Surgery that was covered under the plan Assistant Surgeon help 20% of the primary surgeon’s eligible fee Anesthesia help In-Network: 90%
Out-of-Network: 80%
International: 100%Durable Medical Equipment help In-Network: 90%
Out-of-Network: 80%
International: 100%Chiropractic Care help Medical order or Treatment plan required
In-Network: 90%
Out-of-Network: 80%
International: 100%Extended Care Facility help Upon direct transfer from an acute care Facility
In-Network: 90%
Out-of-Network: 80%
International: 100%Home Nursing Care help Provided by a Home Health Care Agency
Upon direct transfer from an acute care FacilityPhysician Visits help Maximum Visits per day: 1
Surgery is not subject to the Maximum visit limit.Telehealth Groups Only
Not subject to Deductible and Coinsurance
Mental or Nervous Disorders are not covered
Coverage for Telehealth is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during Telehealth where the Illness or Injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of InsuranceTraumatic Dental Injury help Treatment at a Hospital Facility due to an Accident
Additional Treatment for the same Injury rendered by a Dental Provider will be paid at 100% -
Terrorism help Not subject to Deductible and Coinsurance
Maximum Limit: $50,000Emergency Medical Evacuation Maximum Limit: $500,000
Must be approved in advance and coordinated by the CompanyEmergency Local Ambulance help Period of Coverage Limit per Injury $750
Period of Coverage Limit per Illness $750 (resulting in an InpatientEmergency Reunion help Maximum Limit: $50,000
Maximum Days: 15
Meal Maximum per day: $25
Reasonable and necessary travel costs and accommodations
Must be approved in advance by the CompanyInterfacility Ambulance Transfer help Up to the per Injury or Illness limit
Services rendered in the United States
Transfer must be a result of an Inpatient Hospital admissionPolitical Evacuation & Repatriation help Maximum Limit: $10,000
Must be approved in advance by the CompanyRepatriation for Medical Treatment Maximum Benefit: $100,000. This is in addition to the plan maximum limit/per injury or illness maximum limit
Approved in advance and coordinated by the Company
Refer to the REPATRIATION FOR MEDICAL TREATMENT provision for further detailsReturn of Mortal Remains or Cremation/Burial help Maximum Limit: $50,000
Local Burial / Cremation at place of death
Maximum Limit: $5,000
Return of Insured Person’s Mortal Remains to Country of Residence
Must be approved in advance by the Company -
Incidental Trip Maximum days: 14
Country of Residence is outside the United States
Refer to the INCIDENTAL TRIP provision for further detailsAccidental Death & Dismemberment help Not subject to Deductible and Coinsurance
Death must occur within 90 days of the Accident
Accidental Death: 100% of Principal Sum
Student: $25,000
Spouse: $10,000
Child: $5,000Personal Liability help Secondary to any other insurance
No coverage for Injury to a related Third Party or damage to related Third Person’s property
Combined Maximum Limit: $10,000
Injury to Third Person: Per Injury Deductible: $100
Damage to Third Person’s property: Per damage Deductible: $100 -
Mental/Nervous Inpatient Mental or Nervous / Substance Abuse:
Maximum Limit: $10,000
Not covered if incurred at the Student Health Center
Outpatient Mental or Nervous / Substance Abuse:
Maximum Limit per day: $50
Maximum Limit: $500
Not covered if incurred at the Student Health Center -
Pre-Existing Conditions help Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded until the Insured Person has maintained 6 months of continuous coverage under this insurance.
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
➕ What Are the Optional Benefits in Student Health Advantage Platinum Insurance?
Student Health Advantage insurance can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Student Health Advantage Platinum Insurance Adventure Sports Rider
- Available for those up to the age of 65 years.
- Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
- Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 Maximum Limit per Injury or Illness |
| 50-59 years | $30,000 Maximum Limit per Injury or Illness |
| 60-64 years | $15,000 Maximum Limit per Injury or Illness |
2. Mobile Device Protection
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
🏥 What Are the Student Health Advantage Standard Insurance PPO Networks?
Student Health Advantage - Does united healthcare cover US travel and how to find hospital or doctor?U.S. Network Access :
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.
UnitedHealthcare provides travelers in the U.S. with access to one of the largest healthcare networks in the country, featuring more than 1.4 million physicians, 6,797 hospitals, over 45,000 clinics, 67,000 pharmacies, and 1,800 convenience clinics.
International Provider Access :When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes access to over 45,000 physicians and facilities, along with direct billing arrangements that help reduce both the time and upfront costs typically associated with medical care.
Find Provider Network🔔 Why Should I Buy Student Health Advantage Standard Insurance on American Visitor Insurance?
American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Student Health Advantage Standard insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Student Health Advantage Standard insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Student Health Advantage Standard insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Patriot America Plus insurance claims should you need to use the insurance coverage while on your vacation.
❓ Student Health Advantage Platinum Student Insurance - FAQ's
The cost of the Student Health Advantage Platinum insurance plan varies by age, coverage duration, and whether the coverage includes the U.S.
Yes, maternity benefits and routine newborn care (first 31 days) are included.
Yes, the Student Health Advantage Platinum insurance plan offers coverage for adventure sports through an optional add-on called the Adventure Sports Rider. This rider is available to insureds up to age 64 or 65 and covers certain designated adventure sports such as skiing, snowboarding, mountain biking, rock climbing, bungee jumping, parachuting, skydiving, white-water kayaking.
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.
- Higher Maximum Limits: Up to $1,000,000 compared to standard plans.
- Shorter Waiting Period for Pre-Existing Conditions: Only 6 months.
- Adventure Sports Rider: Optional coverage for over 15 adventure activities.
- Enhanced Maternity Coverage: Up to $5,000 for routine care.
- Dependents Welcome: F-2 visa holders can enroll, even if the F-1 student is not covered.
Yes. The Student Health Advantage Platinum plan is designed to meet or exceed F 1 and J 1 visa insurance requirements, including emergency evacuation and repatriation of remains.
Yes, an F-2 visa holder (the dependent spouse or child of an F-1 student) can purchase the Student Health Advantage insurance, including the Platinum version but only as a dependent of the primary F 1 visa holder.
To be eligible for Student Health Advantage Platinum student medical insurance, you must:
- In the U.S.: Access the UnitedHealthcare Options PPO network for top-tier care.
- Worldwide: Use the IMG’s IPA global provider network with over 18,500 trusted doctors and hospitals.
- Student Health Centers: $5 co-pay per visit, not subject to deductible.
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
👤 What Are the Plan Details of Student Health Advantage Platinum Insurance?
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📄 What is pre-certification requirements for Student Health Advantage 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.
📝 How Do I File a Claim With Student Health Platinum Insurance?
To file a claim with Student Health Platinum Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124.
Email Help
customercare@imglobal.com
🚫 What Are the Restrictions of Student Health Platinum Insurance?
Student Health Platinum insurance is not available for residents of Belarus, Russia, Ukraine and is also not available for travelers visiting these countries.
Need Assistance Choosing The Right Plan?
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IMG Student Health Advantage Platinum – Summary
- Designed for: Non-U.S. citizen students, scholars, and exchange participants (F1, J1, M1 visa holders) studying outside their home country.
- Cost: Starts at approximately $282/month (may vary based on age, coverage length, and location).
- Coverage Limit: Up to $1,000,000 per coverage period.
- Pre-Existing Conditions: Covered after 6 months of continuous enrollment.
- Maternity & Newborn Care: Includes maternity benefits and up to $5,000 for newborn care in the first 31 days.
- Mental Health: Includes both inpatient and outpatient mental health treatment.
- Dependents Eligible: Spouses and children (F2, J2, M2) can be covered—even if the primary student isn’t enrolled.
- Flexible & Renewable: Purchase monthly or annually, renewable for up to 5 years (60 months).
- PPO Network: Access to the UnitedHealthcare PPO network for in-network treatment and direct billing.
- Visa Compliance: Meets F-1, J-1, M-1 U.S. visa and Schengen insurance requirements.
- COVID-19: Covered like any other illness.
International students and scholars who want long-term, high-limit coverage with comprehensive benefits such as maternity, mental health, and pre-existing condition coverage, especially those studying in the United States for multiple semesters or years.
