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

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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 covid - Student Health Advantage coverage for Coronavirus

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

Student Health Advantage Insurance Cost

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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
BROCHURE BUY ONLINE	BROCHURE BUY ONLINE

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Student Health Advantage Insurance Review

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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Student Health Advantage Reviews
IMG Student Health Advantage reviews.

Student Health Advantage Links

Brochure
Benefits
Advantages
COMPARATIVE ADVANTAGES
Student Health Advantage Covid19 travel insurance by IMG for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

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.
Reviews
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

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
s 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.

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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Student Health Advantage-FAQ's

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.

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.