IMG Global Student Health Insurance
IMG International Student health insurance plans provides coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries and beyond with an IMG plan.
Long and short-term student health plans from IMG are great for:- Individuals and groups participating in international student programs
- Cultural exchange participants and International graduate students
- Scholars and educators and dependents of those participating in international study programs.
Why Choose IMG Student Insurance?
Stay protected during your studies abroad with IMG Student Health Insurance plans. Whether you're a student, scholar, or cultural exchange participant, IMG offers flexible and affordable international student insurance options that meet U.S. visa requirements (including F-1 and J-1).
- Meets Visa Requirements: Fully compliant with F-1, M-1, and J-1 visa health insurance mandates
- Comprehensive Benefits: Covers doctor visits, hospitalization, prescription drugs, mental health, and more
- Emergency Services: Includes emergency medical evacuation and repatriation of remains
- Worldwide Coverage: Choose plans with U.S. only or global protection
- 24/7 Assistance: Multilingual support for claims, emergencies, and provider networks
IMG Popular Student Health Insurance Plans for International Students
Patriot Exchange
- This is a comprehensive plan.
- Adventure Sports rider option available.
- Affordable plan meets J and F visa requirements.
- Covers Pre-existing conditions after 12 months of waiting period.
- Medical insurance for international students and exchange program participants.
- local_hospital
Provider Network
- request_quote
Policy maximum
$5,000,000 - calendar_month
Period of Coverage
Up to 12 months - shopping_cartBuy Now
Student Health Advantage Standard
- This is a comprehensive plan.
- This plan is renewable for a maximum of 5 years.
- Intercollegiate/interscholastic/intramural or club sports coverage
- Covers pre-existing conditions after a waiting period of 12 months.
- Meets U.S. student, scholar, and cultural exchange program visa requirements
- local_hospital
Provider Network
- request_quote
Policy maximum
Up to $500,000 - calendar_month
Period of Coverage
5 days to 364 days - shopping_cartBuy Now
Student Health Advantage Platinum
- This is a comprehensive plan.
- Provides coverage for maternity.
- It provides coverage for mental health, organized sports
- Covers pre-existing conditions after a waiting period of 6 months.
- Offers coverage for adventure sports and other sports activities.
- local_hospital
Provider Network
- request_quote
Policy maximum
Up to $1,000,000 - calendar_month
Period of Coverage
5 days to 12 months - shopping_cartBuy Now
Student Journey Lite
- This is a comprehensive plan.
- Covers pre-existing condition after 6 months waiting period.
- Optional coverage available for Adventure Sports.
- Option to extend coverage to include spouses and children.
- Includes emergency care and support benefits.
- local_hospital
Provider Network
- request_quote
Policy maximum
Up to $150,000 - calendar_month
Period of Coverage
30 days to 12 months - shopping_cartBuy Now
Student Journey Plus
- Includes emergency care and support benefits.
- Available for purchase for a period of up to 12 months.
- Optional Adventure Sports coverage
- Option to extend coverage to include spouses and children.
- Covers pre-existing condition after 6 months waiting period.
- local_hospital
Provider Network
- request_quote
Policy maximum
Up to $300,000 - calendar_month
Period of Coverage
30 days to 12 months - shopping_cartBuy Now
Student Journey Platinum
- Includes emergency care and support benefits.
- Available for purchase for a period of up to 12 months.
- Optional Adventure Sports coverage
- Option to extend coverage to include spouses and children.
- Covers pre-existing condition after 6 months waiting period.
- local_hospital
Provider Network
- request_quote
Policy maximum
Up to $500,000 - calendar_month
Period of Coverage
30 days to 12 months - shopping_cartBuy Now
Why Should International Students Compare Health Insurance?
International student health insurance plans may look similar, but they differ in coverage limits, benefits, and restrictions. Comparing plans helps students choose the best option for their needs and ensures adequate medical coverage.
Key factors to compare include:- Policy maximum: Coverage limits usually range from $50,000 to $1,000,000 for major medical emergencies.
- Deductible: Options typically range from $50 to $5,000. Higher deductibles mean lower premiums.
- Pre-existing condition coverage: Most plans have a minimum 6-month waiting period.
- Mental health and substance abuse coverage: Often required by universities.
- Cancellation and renewability: Policies vary and should be reviewed carefully.
- Sports and activity coverage: Some plans include intercollegiate and interscholastic sports.
What Are the Key Benefits of Choosing IMG International Student Health Insurance?
IMG International student insurance plans offer variety of features specifically designed for international students studying abroad:
- Coverage for doctor visits, hospitalization, as well as prescription medications.
- IMG Emergency medical assistance with 24/7 multi-language support
- Coverage of mental health of students who may need extra emotional support during their transition.
- Access to a large provider network like UnitedHealthcare so students receive the quality medical care
- Having student health insurance, international students can focus on their education without the added stress of unexpected medical expenses.
Quick Comparison of IMG Student Insurance
The IMG international student health insurance cost ranges from $30 to $353 per month. The price depends on the factors such as student's age, coverage duration, medical benefits, deductible, and co-insurance.
| Plan | Cost | Coverage | Pre-existing | Ambulance | Sports Coverage |
|---|---|---|---|---|---|
| Student Journey Lite | $30 | $400,000 | After 6 months | Up to $400 | Optional |
| Student Journey Plus | $48 | Unlimited | Covered after 6 months | 100% covered | Optional |
| Patriot Exchange | $56 | $50,000 | Covered after 12 months | Up to the maximum limit | Adventure Sports rider option available |
| Student Journey Platinum | $74 | Unlimited | Covered after 6 months | 100% covered | Optional Adventure Sports coverage |
| Student Health Advantage Standard | $118 | $500,000 | Covered after 12 months | Up to $350 | Covers intercollegiate, interscholastic activities |
| Student Health Advantage Platinum | $353 | $1,000,000 | Covered after 6 months | Up to $350 | Covers intercollegiate, interscholastic activities |
What Are the Factors Determining the Cost of IMG Student Insurance?
The international student health insurance cost varies based on the plan you choose, your age, coverage duration, destination country, and the level of benefits required. Basic plans are more affordable and offer essential coverage, while comprehensive plans with added features like maternity or pre-existing condition coverage may cost more. By selecting the right plan that matches your needs and budget, you can stay protected without overpaying.
- Age of the Student: Older students are statistically more likely to need medical care, so premiums rise with age. Younger students (under 25) generally receive lower rates, while students in higher age brackets may pay significantly more
- Duration of Coverage Insurance is usually billed on a monthly basis, so longer study programs lead to higher total costs. Students can choose the number of months they want coverage based on their visa and academic requirements.
- Type and Level of Coverage : Plans range from basic emergency coverage to comprehensive health insurance that includes:
- Maternity care
- Pre-existing condition coverage
- Mental health services
- Wellness benefits
(More inclusive plans come with higher premiums.)
- Coverage Region : The geographic location where coverage is required can affect the cost.
For example : Studying in the U.S. is generally more expensive to insure than in many European or Asian countries. Some plans include or exclude coverage in high-cost medical regions, which can adjust the price - Deductibles and Co-Insurance : Lower deductibles mean less out-of-pocket cost when seeking treatment but also higher monthly premiums. Students can reduce insurance premiums by selecting higher deductibles if they want to save upfront.
- Additional Benefits and Riders :
- Sports injury coverage
- Personal liability insurance
- Trip interruption/cancellation
- Emergency reunion or evacuation
- Visa Requirements : Students on F1 or J1 visas are required to meet specific health insurance minimums (e.g., emergency evacuation and repatriation). Plans designed to meet these standards might be priced accordingly, especially if compliant with U.S. Department of State regulations.
What is the cheapest IMG health insurance for international students on F1 visa in the USA?
The cheapest student health insurance for F1 visa in USA is Student Journey Lite insurance plan by IMG, starting at just $30 per month.
What Are the Benefits of IMG Student Health Insurance?
- Student Medical Coverage for Accidents or Illnesses: Your school often requires students to buy a plan that includes a minimum amount of medical coverage for accidents or illnesses.
- Emergency Medical Evacuation: Coverage for an emergency medical evacuation to the nearest qualified medical facility, expenses for transportation resulting from the evacuation, and the cost of returning the student to either their home country or the country where the evacuation occurred.
- Repatriation and Return of Mortal Remains: In the unfortunate event that a student dies as a result of a covered illness or injury while outside of their home country, this benefit can cover expenses for transporting the remains back home.
Do I Need International Student Health Insurance?
Yes, having international student insurance is very important. These are the main reasons to buy the best international student insurance.
- University Requirements: Most universities and colleges in the US insist that international students and study abroad students buy a minimum level of student medical coverage for their study period.
- Country Requirements: USA and other host countries may insist on insurance for international students, so it's important to verify your visa requirements before buying student insurance coverage.
- Coverage Limitations: When living or traveling abroad for extended periods, you won't be covered by either public or private health plans in your home country, and you may not have access to the national health insurance program in your destination country.
- Minimum Medical Coverage: Your school and host country often require students to purchase a plan that includes a minimum amount of medical coverage for accidents or illnesses.
IMG Student Insurance, IMG College Student Medical Insurance - FAQs
1. Do international students need health insurance? Do f1 students need health insurance?
Without doubt, all students should have health insurance while they are in the US. The US health care costs are the highest in the world and a minor injury or accident could set you back tens of thousands of dollars. Being healthy and taking care of yourself is, of course, highly recommended, but accidents happen to us all and when we least expect.
Students should have proper insurance before anything emergency situation arises so that you do not find yourself in serious debt.
2. Can international students get health insurance?
Yes, International students can definitely get student medical insurance, we offer many student insurance options on American Visitor Insurance. Quite often, the universities themselves offer student insurance, however this can be expensive. At student insurance plans that we offer are considerably more affordable than the University insurance plans, while providing similar coverage benefits.
However, students should confirm if the University allows students to but insurance outside the University, and if they can get the required insurance waiver for this student insurance.
3. Can international students get medicare?
No. International students are not eligible for Medicare. Medicare is a US government program only available to US citizens or US permanent residents who have paid into the US system.
4. What is international student health insurance?
International student health insurance is health insurance coverage for individuals who are studying abroad either short or long term while away from their home countries. Many of the US domestic health insurance plans may not cover a person fully while abroad. Also, some international programs may require certain levels of health insurance while participating in their programs.
5. What is the best health insurance for international students? What is the best insurance for international students?
The best student medical insurance will vary for each student. There is no single student insurance which will work as the best international student health insurance plan for all students. The factors to consider while identifying the best student insurance will be the coverage benefits, the provider network and the cost of the health insurance for international students.
6. Is there health insurance for college students?
US citizens are eligible to purchase health insurance plans through their state's health insurance marketplace. Non-US citizens can purchase visitor insurance plans. Those foreign students on the F or J visas qualify specifically for "student" health insurance plans which are often cheaper than visitor insurance. Students can compare student medical insurance plans and make an informed choice.
7. Does college offer health insurance?
Most colleges offer group health insurance for their students. This may be required if the student does not have any other insurance. Check with your institution as to what is available. However the student insurance plans that are offered in American Visitor Insurance are usually cheaper than University insurance while offering similar coverage.
Students can compare the coverage of the University insurance along with the plans on this website and make an informed decision.
8. How much does health insurance cost for a college student?
The health insurance cost for the college student will depend on the coverage benefits of the student insurance plan, the age of the student, the medical maximum coverage required and the deductible for the plan. The cost of student health insurance coverage within the US is more expensive when compared to coverage outside the US.
