IMG

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.

IMG travel insurance coverage for Coronavirus (Covid 19)

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

Quotes for Student Health Advantage Insurance



Quotes for Student Health Advantage Insurance

Ages
Start Date
End Date
Coverage
Citizenship
Student Health Advantage Standard
Plan Maximum
Deductible
Student Health Advantage Platinum
Plan 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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Student Health Advantage Insurance
Insurance Provider
International Medical Group
Plan Life
Up to a maximum 5 years.
Student Health Advantage can be renewed online
Deductible Options?
$100 per illness or injury
Student Health Center: $5 copay per visit
Policy Maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
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Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans

PPO Network
Student Health Advantage Reviews
IMG Student Health Advantage reviews.

Student Health Advantage Links

  • Brochure
  • 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.
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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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Patriot Exchange vs Student Health Advantage Insurance

International Medical group Student Health Advantage Plan Summary

Student Health Advantage Insurance Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Student Health Advantage Travel Medical Insurance Rating

AM Best Rating: "A" (Excellent)


Optional-coverage Optional 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
emergency-care Student 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.

What is the eligibility to buy Student Health Advantage?
Student Health Advantage 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

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.

Resourceful links for Student Health Advantage insurance

International Medical Group, IMG travel insurance Links

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