Student Health Advantage by International Medical Group (IMG) provides international student health insurance for competitive sports, pre-existing conditions and maternity

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.

Brochure
Benefits
Advantages
COMPARATIVE ADVANTAGES
Meets student visa requirements.

Comprehensive coverage plan with benefits per incident.

Coverage for individual or groups of two or more members and their dependents.

Student Health Advantage plan as a monthly payment option.

Co-insurance within 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.

Co-insurance outside US and Canada: Company pays 100%.

Optional adventure sports rider up to the age of 65 years.

Covered Medical expenses due to Intercollegiate sports up to $5,000.

International emergency care like medical evacuation, repatriation, repatriation & political evacuation.

Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.

Limited dental coverage for emergency dental pain relief and injury due to accident.
Disadvantages
DISADVANTAGES
12 months waiting period for Pre-existing coverage.

Pre-certification of any claims within 48 hours is a must or else the eligible claims amount will be reduced by 50%.

Policy can be renewed up to 12 months if plan is purchased initially for 3 months.
Example
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Claims
Renewal
Provider Network

Quotes for Student Health Advantage Insurance

Age

Start Date

End Date

Coverage Region

Citizenship

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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
$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 Review

Insurance Provider
International Medical Group

Plan Life
Up to a maximum 5 years.

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

Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans

Student Health Advantage Reviews
IMG Student Health Advantage reviews.

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 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
Adventure Sports rider
Activities Covered upto lifetime maximum: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 lifetime maximum

Age 50-59 years: $30,000 lifetime maximum

Age 60-64 years: $15,000 lifetime maximum

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.

Eligibility of Student Health Advantage - IMG

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