IMG Student Health Advantage Platinum Insurance
IMG's top-tier plan for F-1, J-1, and M-1 students who want $1,000,000 in coverage, maternity and newborn benefits, mental health care, and a pre-existing condition wait period of just 6 months - renewable for up to 5 years.
What Is Student Health Advantage Platinum Insurance?
Student Health Advantage Platinum is IMG's enhanced-benefit international student health insurance plan, built for students, scholars, interns, and exchange visitors studying outside their home country. It sits at the top of IMG's Student Health Advantage lineup, raising the policy maximum to $1,000,000 per coverage period and shortening the wait for pre-existing condition coverage to just 6 continuous months.
Where this plan stands apart from most student insurance options is its maternity and newborn benefit, paired with both inpatient and outpatient mental health coverage - two benefits that many budget student plans leave out entirely. Coverage can run monthly and renew continuously for up to five years (60 months), which suits students on multi-year degree programs.
In the United States, insured students get direct-billing access to the UnitedHealthcare Options PPO network; outside the U.S., IMG's own International Provider Access (IPA) network connects students to vetted doctors and hospitals worldwide. The plan is designed to satisfy typical F-1, J-1, and M-1 visa insurance requirements, and spouses or children on F-2/J-2/M-2 status can be added as dependents.
Who Is Student Health Advantage Platinum Best Suited For?
Students who want the $1,000,000 policy maximum and a shorter 6-month pre-existing wait than the Standard plan offers.
Platinum is one of the few student plans with a dedicated maternity and newborn benefit - up to $5,000 for prenatal care, delivery, and post-natal care.
Dependents can enroll on Platinum even if the primary student isn't insured on this same plan.
Renewable monthly for up to 5 years (60 months) with no break in coverage - built for full degree programs, not just a single term.
Budget-conscious students who don't need maternity coverage or the higher $1,000,000 maximum (consider Student Health Advantage Standard instead), students who are already pregnant, hospitalized, disabled, or HIV+ as of their intended effective date (not eligible under this plan), or residents of/travelers to Belarus, Russia, Iran, or Ukraine.
What Students Actually Need to Check First?
Key Highlights of Student Health Advantage Platinum Plan
Up to $1,000,000 per insured for covered illness and injury - among the higher limits offered on a student plan.
Up to $5,000 for prenatal care, delivery, post-natal care, and routine newborn care in the first 31 days.
Pre-existing conditions are covered after just 6 continuous months of enrollment.
Inpatient (up to $10,000) and outpatient (up to $500) mental/nervous disorder treatment is included.
Spouses and children on F-2/J-2/M-2 status can enroll, even if the primary student isn't insured on this plan.
Renew monthly for continuous protection across a multi-year academic program, up to 60 months.
Who Is Eligible for Student Health Advantage Platinum?
Student Health Advantage Platinum is open to students, scholars, interns, teachers, and trainees enrolled in an educational or cultural exchange program outside their home country.
- Primary visa type is F-1, J-1, M-1, or A-1.
- Physically residing in the host country with intent to stay 30+ days.
- Between 31 days and 64 years old at enrollment.
- Spouses/dependents (F-2, J-2, M-2) may enroll alongside the primary applicant.
- Groups of 5+ primary insureds may qualify for group pricing.
Not Eligible If, At The Effective Date, You Are:
- Currently hospitalized or confined to a medical facility
- Disabled and unable to perform normal activities
- Pregnant at the time of application
- Diagnosed as HIV positive
- A resident of, or traveling to, Belarus, Russia, or Ukraine
What Are the Restrictions of Student Health Advantage Insurance?
Student Health Advantage Platinum is not available for residents of Belarus, Russia, Iran, and Ukraine, and is not available for travel to those countries. Coverage is also secondary to any other applicable health insurance, and is not available to U.S. citizens or permanent residents.
How Much Does Student Health Advantage Platinum Insurance Cost Per Month?
Student Health Advantage Platinum costs between $282 and $766 per month for international students studying in the USA. The premium varies based on the student's age, selected policy maximum, and deductible amount. The plan provides comprehensive coverage with a medical maximum of up to $1,000,000 with deductible $100.
For students studying outside the USA, Student Health Advantage Platinum costs between $221 and $353 per month. The monthly premium depends on the student's age, policy maximum, and deductible selected. The plan includes a $1,000,000 medical maximum and is available with a $25 deductible.
Advantages & Disadvantages of Student Health Advantage Platinum Insurance
Advantages
6 benefits$1,000,000 medical maximum - one of the highest limits available on a student health insurance plan
Maternity and newborn care included, up to $5,000 - a benefit most budget student plans leave out entirely
Only a 6-month pre-existing condition wait - shorter than the 12-month wait typical of comparable plans
Renewable for up to 5 years (60 months) with no break in coverage - built for multi-year study abroad programs
Emergency medical evacuation up to $500,000, plus emergency reunion benefits for a family member to travel to you
Dependent coverage available for F‑2, J‑2, and M‑2 spouses and children
Disadvantages
6 limitsPremiums rise steeply with age - roughly $221/month for younger students up to $766/month for ages 31–40 with USA coverage
Precertification is required for many procedures in the US; skipping it can cut your reimbursement by 50%
Routine dental and vision aren't covered - only accident-related dental treatment, capped at $350 for sudden pain and $500 per injury
Claims must be filed within 180 days of the charge date - a fairly tight window if paperwork gets delayed
Not available to students already pregnant, hospitalized, disabled, or HIV positive at purchase
Not available to residents of, or travelers visiting, Belarus, Russia, Iran, or Ukraine
What Are the Optional Benefits of Student Health Advantage Platinum Insurance?
Available up to age 65. Covers activities like skydiving, bungee jumping, whitewater rafting, paragliding, and skiing/snowboarding off-piste when performed under recognized safety guidelines.
1. Ages 0–49: $50,000 max per injury/illness
2. Ages 50–59: $30,000 max per injury/illness
3. Ages 60–64: $15,000 max per injury/illness
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.
What Are the Benefits of Student Health Advantage Platinum Student Insurance?
| Eligible Medical Expenses | In-network 90% • Out-of-network 80% • International 100% |
| Hospital room and board | Average semi-private room rate, including nursing & ancillary services |
| Hospital Emergency Room | $250 deductible per visit if not admitted; waived if admitted |
| Physician Visits | 1 visit per day maximum (surgery not subject to this limit) |
| Outpatient Surgical Facility | In-network 90% • Out-of-network 80% • International 100% |
| Laboratory & Diagnostics | In-network 90% • Out-of-network 80% • International 100% |
| Chemotherapy / Radiation Therapy | In-network 90% • Out-of-network 80% • International 100% |
| Durable Medical Equipment | Outpatient $35 per visit, 1 visit per day, 12 visit max |
| Chiropractic | Requires treatment plan; 90% in-network / 80% out-of-network / 100% international |
| Dental Treatment (Accident/Pain) | $350 for unexpected pain to sound natural teeth • $500 per injury for accident-related non-emergency treatment |
| Maternity & Newborn Care | Up to $5,000 for prenatal care, delivery, post-natal care, and routine newborn care (first 31 days) |
| Inpatient Mental / Nervous Disorders | Up to $10,000 (not covered at Student Health Center) |
| Outpatient Mental / Nervous Disorders | Up to $50/day, $500 maximum (not covered at Student Health Center) |
| Emergency medical evacuation | Up to $500,000 (must be pre-approved & coordinated by the company) |
| Repatriation for Medical Treatment | Up to $100,000, in addition to the plan maximum |
| Return of Mortal Remains | Up to $50,000 (local burial/cremation sub-limit $5,000) |
| Emergency local ambulance | Up to $750 per injury or illness (inpatient admission) |
| Interfacility Ambulance Transfer | Up to the per injury/illness limit; U.S. transfers following inpatient admission |
| Emergency Reunion | Up to $50,000; max 15 days; $25/day meal allowance |
| Political Evacuation & Repatriation | Up to $10,000, pre-approval required |
| Terrorism | Up to $50,000, no deductible or coinsurance |
| Intercollegiate / Club Sports | Up to $5,000 per illness or injury (90% in-network / 80% out-of-network / 100% international) |
| Accidental Death & Dismemberment | Student $25,000 • Spouse $10,000 • Child $5,000 (death within 90 days of accident) |
| Personal Liability | Combined maximum $10,000; secondary to any other insurance |
| Incidental Trip | Plan pays 100% Up to 14 days Insured person's country of residence is not the United States |
Student Health Advantage Platinum vs. Standard
| Feature | Student Health Advantage Platinum | Student Health Advantage Standard |
|---|---|---|
| Best for | Longer programs, students wanting faster pre-existing coverage | Budget-conscious students, shorter programs |
| Medical maximum | $1,000,000 | $500,000 |
| Deductible | From $25 | From $250 |
| Pre-existing condition wait period | After 6 months waiting period | After 12 months waiting period |
| Local ambulance (inpatient) | Up to $750 | Up to $350 |
| Cost per day | $9.40 | $3 |
| Monthly cost | From $282 | From $95 |
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Student Group Health Insurance for Universities & Study Abroad Programs
Save time and secure comprehensive health coverage for your students with Student Health Advantage Platinum group insurance. Ideal for universities, exchange programs, and study abroad organizations.
What Is a PPO Network in Student Health Advantage Platinum Insurance?
A PPO (Preferred Provider Organization) network is a group of doctors, hospitals, and clinics that have agreed to pre-negotiated, lower rates for insured students - using one typically means lower out-of-pocket costs and, in many cases, direct billing instead of paying upfront.
Inside the United States, Student Health Advantage Platinum uses the UnitedHealthcare Options PPO network - one of the largest healthcare networks in the country, giving students access to:
How Do I File a Claim With Student Health Advantage Platinum Insurance?
To file a claim with Student Health Advantage Platinum Insurance, follow these steps:
Plan Details of Student Health Advantage Platinum Student Insurance
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.
- 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.
IMG Student Health Advantage Platinum - FAQs
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.
Why Buy Student Health Advantage Platinum Through American Visitor Insurance?
- Side-by-side plan comparison - compare Student Health Advantage Platinum's benefits, coverage limits, and pricing against other IMG student plans in one place, instead of digging through separate brochures.
- Coverage across time zones - support staff on both the US East and West Coasts mean help is available well outside standard business hours.
- Hands-on enrollment help - if a question comes up mid-application (visa type, dependent eligibility, deductible choice), an agent can walk you through it in real time.
- Claims support when you actually need it - the same team that helped you enroll can guide you through filing a claim, so you're not left to interpret IMG's claim form alone.
- No markup - premiums are set by the carrier, so buying through American Visitor Insurance costs the same as buying direct, with the added benefit of a human to call.
- Licensed & Trusted Platform - American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).