Student Health Advantage

Comprehensive international student health insurance for F-1, J-1, M-1, and other eligible visa holders. Ideal for students, scholars, educators, and exchange visitors studying in the U.S. Starting at just $2/day.*

From less than $3/day · $70 per month

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1 month

Minimum coverage

5 years

Maximum renewable

A-

AM Best rating

$5M

Max coverage

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Client Stories

IMG Student Health Advantage Reviews

★★★★★

"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

✓ Verified Customer

★★★★

"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

✓ Verified Customer

★★★★★

"I was unlucky enough to fall ill while abroad, and 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

✓ Verified Customer

Who Qualifies

What Are the Eligibility Requirements for Student Health Advantage Student Insurance?

Student Health Advantage is designed for international students, scholars, educators, trainees, and cultural exchange participants studying or participating in educational programs outside their home country. Applicants must meet the following eligibility requirements before purchasing coverage.

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Eligible Student Visa Holders

Available to active students, scholars, interns, teachers, trainees, and other participants in eligible educational or cultural exchange programs. Coverage is also available for eligible spouses and dependent children traveling with the participant.

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Eligible Visa Holders

When the destination country is the United States, participants must hold an eligible F-1/F-2, J-1/J-2, M-1/M-2, or A-1/A-2 visa.

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Residence Requirement

Applicants must be physically and legally residing in the destination country with the intent to remain there for at least 30 days on the effective date of coverage and at each renewal.

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Age Requirements

Eligible applicants must be at least 31 days old and under 65 years of age on the effective date of coverage.

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Who Cannot Apply

Individuals are not eligible if they are hospitalized, disabled, pregnant, or HIV positive on the initial effective date of coverage. Applicants who do not meet the visa, residency, or program participation requirements are also not eligible.

Optional Riders

What Optional Benefits are Included in IMG Student Health Advantage Insurance?

Student Health Advantageinsurance for adventure sports

Adventure Sports Rider is available for individuals up to 65 years of age. If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

This plan covers any illness or injury sustained while participating in adventure activities. The covered adventure sports include: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.

Age	Maximum Coverage
0–49 years	$50,000 certificate period
50–59 years	$30,000 certificate period
60–64 years	$15,000 certificate period

Quick Analysis

Pros & Cons of Student Health Advantage

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Student Health Advantage Program advantages

6 benefits

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Designed for international students, scholars, educators, trainees, missionaries, and cultural exchange participants studying or participating in eligible educational programs outside their home country.

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Meets J-1 visa health insurance requirements and satisfies the insurance requirements of many U.S. colleges and universities that accept waiver plans.

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Provides comprehensive medical benefits including hospitalization, physician visits, outpatient care, prescription drugs, emergency medical evacuation, and repatriation of remains.

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Includes access to the UnitedHealthcare PPO Network, providing nationwide access to doctors and hospitals.

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Offers Standard and Platinum plan options with multiple deductible and policy maximum choices to fit different coverage needs.

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Renewable annually for eligible members for up to 5 years, making it suitable for long-term academic programs.

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Student Health Advantage Program disadvantages

5 limits

Coverage is subject to deductibles, coinsurance, policy maximums, benefit limits, and waiting periods as described in the policy.

Pre-existing conditions are covered only according to the plan's provisions, waiting periods, and exclusions.

Pre-certification is required for certain hospital admissions and medical procedures.

Coverage is available only while the insured continues to meet the plan's eligibility requirements.

Some services, including routine dental, routine vision, cosmetic treatment, and other excluded services, are covered only when specifically listed as eligible benefits in the policy.

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Pricing Guide

How Much Does the Student Health Advantage Program Cost Per Month?

The Student health advantage cost for students ranges from $95 to $766 per month for studying in USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $500,000 with $250 deductible and Student health advantage standard plan offers medical maximum of $1,000,000 with $100 deductible.

Both monthly and annual payment options are available.

Monthly premiums start at $95 $250 deductible example

Age of traveler	$500,000	$1,000,000
Under 18 years	$95	$282
19 – 23 years	$124	$371
24 – 30 years	$146	$428
31 – 40 years	$262	$766

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

The Student health advantage program cost ranges from $73 to $353 per month for per month for studying abroad outside the USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $500,000 with $250 deductible and Student health advantage standard plan offers medical maximum of $1,000,000 with $25 deductible.

Age of traveler	$500,000	$1,000,000
Under 18 years	$73	$221
19 – 23 years	$82	$246
24 – 30 years	$109	$323
31 – 40 years	$167	$353

Real-World Example

How Student Health Advantage Program Works - A Real Claim Example

Using a $500,000 policy with $250 deductible and in-network (PPO) care:

Expense	Billed	Insurance pays	You Pay
Deductible	$250	$0	$250
Hospital Stay (for 3 days)	$9,000	$8,000	$1,000
Surgical	$15,000	$15,000	$0
X-Ray	$1,000	$750	$250
Total	$25,000	$23,750	$1,250

Result: On a $25,000 medical bill, the insured pays $1,250, and the insurance plan covers $23,750, assuming eligible expenses and out-of-PPO network coinsurance rules apply.

Disclaimer: This example is for illustration only. Actual benefits depend on the policy terms, network participation, eligibility of expenses, and applicable plan provisions.

flight Provider Access

What Is the Student Health Advantage Student Insurance PPO Network?

UnitedHealthcare Options

The Student Health Advantage Student Insurance PPO Network refers to the network of healthcare providers in the U.S. that students can visit for medical care under their plan. Using in-network providers can maximize benefits and minimize out-of-pocket costs.

The PPO Network for Student Health Advantage Insurance includes:

UnitedHealthcare Options PPO Network: IMG maintains access to the UnitedHealthcare Options network, a tier-one, highly reputable network. This network provides students with greater access to doctors, hospitals, and medical services across the United States.

Using providers within the PPO Network ensures higher coinsurance coverage (typically 90% in-network) and reduces the student’s share of costs compared to out-of-network care.

Simple Process

How Do I File a Claim With Student Health Advantage?

To file a claim with Student Health Advantage, follow these steps:

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Step 01

Download Form

Get the IMG claim form from the member portal.

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Step 02

Call Support

Speak to our licensed support staff for guidance.
1-800-628-4664

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Step 03

Submit Documents

Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.

Step 04

Email Help

[email protected]

Common Questions

Student Health Advantage Student Medical Insurance- FAQs

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.

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.

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.

Eligible insured can request coverage under the plan be renewed monthly for up to 12 month periods, for a maximum of 60 continuous months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan.

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

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.

Student Health Advantage

IMG Student Health Advantage Reviews

What Are the Eligibility Requirements for Student Health Advantage Student Insurance?

Eligible Student Visa Holders

Eligible Visa Holders

Residence Requirement

Age Requirements

Who Cannot Apply

What Optional Benefits are Included in IMG Student Health Advantage Insurance?

Student Health Advantageinsurance for adventure sports

Pros & Cons of Student Health Advantage

Student Health Advantage Program advantages

Student Health Advantage Program disadvantages

How Much Does the Student Health Advantage Program Cost Per Month?

How Student Health Advantage Program Works - A Real Claim Example

What Is the Student Health Advantage Student Insurance PPO Network?

How Do I File a Claim With Student Health Advantage?

Student Health Advantage Student Medical Insurance- FAQs

What Are the Restrictions of Student Health Advantage Insurance?

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