Student Health Advantage Insurance

International 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.
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Quotes for Student Health Advantage Insurance

Quotes for Student Health Advantage Insurance

Age
Start Date
End Date
Coverage Region
Citizenship
Student Health Advantage Standard
Maximum
Deductible
Student Health Advantage Platinum
Maximum
Deductible
Maximum limit
Student - $500,000 per period of coverage;
Dependent - $100,000 per period of coverage
Student - $1,000,000 per period of coverage;
Dependent - $100,000 per period of coverage
Maximum per injury/sickness
Student - $300,000;
Dependent - $100,000
Student - $500,000;
Dependent - $100,000
Deductible
$100 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: $25 (in PPO) & $50 (outside PPO) per injury/sickness
Student health center - $5 copay per visit
Pre-exisiting conditions
Covered after a waiting period of 12 months Covered after a waiting period of 6 months
Maternity Newborn Care
No Coverage $5,000 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
Ambulance
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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Insurance Provider
Insurance Provider
International Medical Group
Plan Life
Plan Life
Up to a maximum 5 years.
Policy Maximum
Policy Maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Deductible Options
Deductible Options?
$100 per illness or injury
Student Health Center: $5 copay per visit

IMG's Patriot Exchange vs Student Health Advantage

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
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International Medical group Student Health Advantage plan summary

underwriters Underwriter
Best Rating Rating
  • AM Best Rating: "A" (Excellent)

Optional-coverage Optional Riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
  • Adventure Sports rider
emergency-care Coinsurance?
  • Charges incurred outside the US and canada - Company pays 100%
  • Charges incurred inside the US and canada - In PPO or Student Health Center - Company pays 100%; Out of PPO network - Company pays 80% of the eligible expenses up to $5,000; then 100% thereafter.

eligibility Eligibility
  • 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.

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Plan Benefits of Student Health Advantage Insurance

Benefits Coverage
Hospital room and board Average semi-private room rate. Includes nursing service
Intensive care After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room injury After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room illness resulting in hospitalization After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room illness - without inpatient admission After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; Subject to additonal $250 deductible
Mental & nervous disorders and substance abuse Outpatient - $50 per day; $500 lifetime maximum Inpatient: After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally up to $10,000 maximum limit; Student health center treatment - $0
Prescription drugs Inpatient - After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Outpatient- 50% of actual charges
90 day dispensing maximum
Physical therapy After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; limit one visit per day
Emergency dental treatment Injury due to accident: $500 maximum per accident
Sudden & unexpected pain to natural teeth - $350 maximum
Emergency medical evacuation $500,000 lifetime maximum
Emergency reunion $50,000 lifetime maximum
Return of mortal remains $50,000 maximum
Political evacuation and repatriation $10,000 lifetime maximum
Intercollegiate/interscholastic/intramural or club sports $5,000 maximum per injury or illness
Incidental trip coverage Up to a cumulative 14 days(available for non-U.S. residents only)
Terrorism $50,000 lifetime maximum
Personal Liability $10,000 combined maximum limit Injury to third person:subject to a $100 per injury deductible Damage to third person's property:subject to a $100 per damage deductible
Accidental death & dismemberment Student - $25,000 principal sum
Spouse - $10,000 principal sum
Dependent child - $5,000 principal sum
Accidental dismemberment percentage of principal sum

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