• 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.

Answer Answer these questions to get free quotes

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Select your destination
What is your citizenship?
Enter your insurance start date
and insurance end date
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IMG's Patriot Exchange vs Student Health Advantage


A working example of using Student Health Advantage travel insurance (Offered by International Medical Group) *

Let us take an example: The medical bill is $25,000, Deductible is $100 and choosen Policy Maximum is $300,000
  • Insurance coverage is $300,000
  • Deductible is $100 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.


Resourceful links for Student Health Advantage insurance

International Medical Group, IMG travel insurance Links

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