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

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 Standard

Plan Maximum

Deductible

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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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International Medical group Student Health Advantage plan summary

Underwriter

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

Rating

AM Best Rating: "A" (Excellent)

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
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

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.

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

Student Health Advantage Insurance

Quotes for Student Health Advantage Insurance

Quotes for Student Health Advantage Insurance

Student Health Advantage Standard

Student Health Advantage Platinum

IMG's Patriot Exchange vs Student Health Advantage

International Medical group Student Health Advantage plan summary

Plan Benefits of Student Health Advantage Insurance

Resourceful links for Student Health Advantage insurance

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