Student Health Advantage Insurance Reviews

Student Health Advantage insurance cost

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Student Health Advantage insurance reviews

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Student Health Advantage review

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
  • Comprehensive
  • Claims

Student Health Advantage student insurance - Key Highlights

  • This plan is available in two types namely Standard and Platinum plan.
  • The Standard plan provides a policy maximum of $500K and a $100K for a dependent.
  • The Platinum plan provides a policy maximum of $1000K and $100K for a dependent.
  • This plan is renewable and has a maximum life of 5 years.
  • Pre-existing condition is available after a waiting period of 12 months.

IMG Student insurance reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.
  |  Steve E
Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.
  |  Joan
I was unlucky enough to fall ill while abroad & filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.
  |  Kelli M

Advantages and Disadvantages of Student Health Insurance

  • Student Health Insurance Advantages
    • It is a comprehensive benefit plan.
    • Meets student visa requirements.
    • Student insurance is available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders.
    • Optional adventure sports rider up to the age of 65 years.
    • Coverage for individual or groups of two or more members and their dependents.
    • Covered Medical expenses due to Intercollegiate sports up to $5000.
  • Student Health Insurance Disadvantages
    • 12 months waiting period for Pre-existing coverage.
    • Policy can be renewed up to 12 months if plan is purchased initially for 3 months.

An Overview of Student Health Advantage insurance reviews


  • Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.
  • 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.

Plan Maximum

Standard plan:
  • Student- $500K; Dependent- $100K
Platinum plan:
  • Student- $1M; Dependent- $100K


  • Coverage is available up to 5 years.

Optional riders

  • Adventure Sports rider


Student Health Advantage insurance pays:

  • In the PPO Network: The plan pays 90% of $1,000 then 100% up to the policy maximum
  • Outside the PPO Network: The plan pays 80% up to the policy maximum.


Plan excludes coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

A working example of using Student Health Advantage insurance*

Let us take an example: The medical bill is $25,000, Deductible is $250 and choosen Policy Maximum is $300,000
  • Insurance coverage is $300,000
  • Deductible is $250 per certificate period
  • Co-Insurance : Out of PPO network if within U.S. - 80% of the first $5,000 of the eligible charges, then 100%.
  • Total medical expenses is $25,000
The insured must pay the deductible ($100) before the insurance plan pays anything. Since the policy maximum coverage is $300,000 and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($300,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $8,000 $1,000(20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $24,000 $1,000
*Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

Plan details of Student Health Advantage insurance

Student Health Advantage Insurance - FAQ's

01. Does Student Health Advantage covers Maternity ?

Yes, Student Health Advantage platinum student insurance offers up to $5,000 maximum limit. Benefit includes new born routine care during the first 31 days of life.

02. What is IMG Student Health Advantage Insurance?

Student Health Advantage is designed for individuals or groups of five or more students or scholars participating in a sponsored study abroad program, and who desire an annually renewable medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

03. Student Health Advantage Insurance will cover Adventure Sports?

Yes, the Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, white-water kayaking, wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity.

04. Do this Student Health Advantage plan cover sports-related illness or injuries?

IMG Student Health Advantage insurance plan include customization options and add-ons, including add-on coverage for high school sports ;interscholastic, intramural, or club sports, personal liability and legal assistance.

05. What are the coverage limits of Student Health Advantage Insurance?

Student Health Advantage Standard offers plan maximum up to $500k with deductible up to $250 while the Student Health Advantage Platinum offers plan maximum up to $1M with deductible up to $100.

06. 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.

07. 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.

08. Does Student Health Advantage Insurance cover covid illness?

IMG Covid travel insurance by Student Health Advantage insurance will cover eligible medical expenses resulting from COVID-19.

09. Who is eligible for Student Health Advantage student medical insurance by IMG?

To be eligible for Student Health Advantage student medical insurance, you must:

  • Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
  • Reside outside your country of residence for the purpose of pursuing international educational activities for a temporary period of time
  • Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal

10. What are the benefits of Student Health Advantage student health insurance?

Student Health Advantage insurance offers a range of benefits, such as:

  • Medical benefits of up to $500K per policy period
  • Deductible of $100 per injury or illness
  • Coinsurance of 100% within the provider network or student health center in the US, and 80% up to $5,000 and then 100% outside the network in the US
  • Coverage for pre-existing conditions up to $25K for sudden and unexpected recurrence for non-US citizens under age 65, and up to $5K for US citizens under age 65
  • Coverage for acute onset of pre-existing conditions up to the policy maximum for non-US citizens under age 70
  • Emergency medical evacuation and repatriation of remains benefits
  • Accidental death and dismemberment benefit
  • Terrorism coverage
  • Sports and leisure activities coverage
  • Identity theft assistance

11. How much does Student Health Advantage student medical pay for COVID-19 expenses?

The amount that Student Health Advantage student medical insurance pays for COVID-19 expenses depends on the plan option you choose (Standard or Platinum), the provider network you use (UnitedHealthcare or outside), and the policy maximum and deductible you select. Generally, the plan pays as follows:

  • For Standard option, the plan pays 90% of eligible medical expenses up to $1K then 100% thereafter within the UnitedHealthcare network in the US; outside the network in the US, the plan pays 80% of eligible medical expenses up to the policy maximum. The policy maximum is $500K per policy period and the deductible is $100 per injury or illness.
  • For Platinum option, the plan pays 100% of eligible medical expenses within the United Healthcare network in the US; outside the network in the US, the plan pays 90% of eligible medical expenses up to $5K then 100% thereafter. The policy maximum is $1M per policy period and the deductible is $25 per injury or illness
12. How much does Student health advantage cost?

The Student health advantage insurance cost depends mainly on the following factors:

  • The type of plan chosen (individual or group)
  • The policy maximum chosen (the maximum amount the plan will pay per injury or illness)
  • The deductible chosen (the amount you have to pay before the plan pays)
  • The age and health status of the insured person
  • The duration and location of your program

Student Health Advantage - PPO network

Student Health Advantage - Provider network and how to find hospital or doctor? United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Student Health Advantage Insurance for international students in USA

  • This plan is a long term worldwide medical insurance.
  • Designed to specifically meet the needs of international students.
  • Provides lifetime maximum of $500,000.
  • It covers competitive sports upto $5,000 maximum per injury/illness.
View complete details of benefits

Student Health Advantage Information

Download Student Health Advantage claims form

Toll Free Number

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
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