arrow
IMG

Student Health Advantage Coronavirus Insurance for Covid19

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.

Student Health Advantage Insurance Cost, IMG international student insurance

Quotes for Student Health Advantage Insurance

Email results
Age
Start Date
End Date
Coverage
Citizenship
Student Health Advantage Standard
Plan Maximum
Deductible
  Buy Now   
Student Health Advantage Platinum
Plan Maximum
Deductible
  Buy Now   
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 options?
$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-Existing Condition?
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
Emergency local 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
 BROCHURE  BUY ONLINE  BROCHURE  BUY ONLINE
Patriot America Insurance
Insurance provider
International Medical Group
Plan life? - Up to a maximum 5 years.
Student Health Advantage can be renewed online
Policy maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Deductible options?
$100 per illness or injury
Student Health Center: $5 copay per visit
Student Health Advantage insurance rating
AM Best Rating: "A" (Excellent)
Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans
Student Health Advantage Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Student Health Advantage Links

  • Brochure
  • Benefits
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network

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.
  Read Article  

A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
Compare Now
Patriot Exchange vs Student Health Advantage Insurance

Student Health Advantage Plan Summary

EligibiltyEligibility to buy Student Health Advantage
  • 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.
Expenses incured by customer after deductibleStudent Health Advantage 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 (PPO network for Student Health Advantage Insurance ) - Company pays 80% of the eligible expenses up to $5,000; then 100% thereafter.
Patriot America Travel insurance optional ridersOptional Riders for Student Health Advantage Plan

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
AVI customer service

NEED HELP?
Contact our customer service team
We are here to help you!

 (877)-340-7910

Click to send an email

Get quotes for Student Health Advantage insurance!

Review and compare the best Student Health Advantage insurance quotes.

Compare Student Health Advantage quotes
Find the best insurance quotes

Plan details of Student Health Advantage Insurance

  • Medical Benefits
    COVID-19/SARS-CoV-2 Coverage Student Health Advantage insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    Eligible medical expenses? After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally
    Hospital room and board? Average semi-private room rate, including nursing services
    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
    Prescription Drugs and Medications? After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally; $250,000 period of coverage limit for insured student and $100,000 period of coverage limit for dependents. Retail pharmacy prescription drugs and medication are paid at 50% out-of-network and international with a 90 day dispensing maximum.
    Mental/Nervous? 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
    Hospital emergency room injury? Company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Not subject to emergency room deductible
    Hospital emergency room illness? 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
    Interfacility ambulance transfer? Company pays 100%. Transfer must be a result of an inpatient hospital admission.
    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
    Political evacuation and repatriation? $10,000 lifetime maximum
    Terrorism? $50,000 maximum limit. Not subject to deductible
    Lost Personal Property? $250 per period of coverage limit
    Pre-Existing Condition? Covered after a waiting period of 12 months
    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
    Incidental trip coverage? Up to a cumulative 14 days (available for non-U.S. residents only)
    Intercollegiate/interscholastic/intramural or club sports $5,000 maximum per injury or illness
    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
  • claims-icon How are Student Health Advantage Insurance claims are settled?

    The claims payable under Student Health Advantage plan are subjected to the terms and conditions in the Certificate of Insurance. The claims can be paid in two ways:

    1. Eligible expenses that have been paid by or on behalf of the insured can be directly reimbursed by cheque to the insured. For this, the insured needs to submit completed CLAIM FORM   imglobal-claims-form.pdf (americanvisitorinsurance.com) along with the original itemized bills and paid receipts within 90 days from the date the claim was incurred. IMG will reimburse the expenses after applying the deductible and coinsurance.
    2. In many cases, IMG works directly with providers including those outside Preferred Provider Organizations for payment of claims. For direct billing, a completed CLAIM FORM   imglobal-claims-form.pdf (americanvisitorinsurance.com) along with itemized bills need to be submitted to IMG and at the option of IMG, it will be paid either to the insured person or directly to the provider.

    Claims can be paid online by logging on to Login To MyIMG - International Medical Group (imglobal.com)


    Claims contact information:
    Toll Free Number: 1.800.628.4664
    Email : insurance@imglobal.com, customercare@imglobal.com
    Fax : (+1) 317-655-4505
    mailing address : International Medical Group, Inc. Claims, P.O. Box 9162, Farmington Hills, MI 48333-9162 USA
  • special-coverage What is pre-certification requirements for Liaison Travel Basic insurance?
    Liaison Travel Basic Insurance Pre-Certification
    The following expenses must always be pre-certified in the U.S. only:
    1. 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.
    2. In case of an emergency admission, the precertification must be made within 48 hours of the admission, or as soon as reasonably possible.
    3. If a hospital admission or a surgery is not pre certified, eligible claims and expenses will be reduced by 50 percent.
    4. 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.
    5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
    6. Please refer to the certificate wording for full details of the precertification requirements.
    7. 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.
    8. 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.

Covid19 IMG student insurance for Coronavirus

Student Health Advantage Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.

Student Health Advantage Travel Insurance - Frequently asked questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

How long can I renew Student Health Advantage?

Student Health Advantage can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.

Can f2 visa holder buy Student Health Advantage insurance?

Student Health Advantage is one of the best health insurance for f1 student's dependents which an F2 visa holder. The F2 visa holder can buy even if the corresponding F1 visa holder is not enrolled in the same plan.

Does Student Health Advantage Insurance cover covid illness?

IMG Covid19 travel insurance by Student Health Advantage insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Compare

Compare Patriot Student Health Insurance Plans

Click here

Student Health Advantage insurance - Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
Find Provider Network

special-coverageStudent Health Advantage Insurance Restrictions

  • Student Health Advantage Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

International Medical Group, IMG travel insurance Links

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required