Ideal for Meets J1, F1, and M1 visa requirementsMaternity coverage
IMG’s Student Journey international student health insurance is available for non-U.S. individuals coming to the USA (or its territories) on J1, F1, and M1 visas. International students planning to continue their education in the U.S. may be required to have health insurance in place before they can enroll or apply for a visa. Some U.S. universities mandate group health insurance plans, while others have specific benefit requirements but allow students to provide their own coverage.
IMG offers flexibility, ensuring you can access the right benefits at the right cost. The Student Journey Medical Insurance provides a comprehensive range of essential benefits designed to meet both the medical and budgetary needs of all students. Student Journey Insurance plan has three options:
Reviews, Ratings and Experiences
Plan can be renewed from 30 days to 12 months, as long as the premium is paid when due and the insured continues to meet the eligibility requirements of the plan. Coverage can be reapplied for but not renewed.
Covered after 6 months of waiting period.
Excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Let us take an example: The medical bill is $25,000; Deductible is $250 and choosen Policy Maximum is $500,000
Insurance coverage $500,000
Deductible $250 per certificate period
Medical expenses Claims$25,000
The insured must pay the deductible ($0) before the insurance plan pays anything. Since the policy maximum coverage is $500,000 and the total amount billed is $25,000, the policy will pay 80% of first $25,000 then 100% up to the policy limit ($500,000). 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 |
|---|---|---|---|
| Deductible | $0 | $0 | $0 |
| Hospital Room Rent | $9k | $8k | $1k (20% of first $5k) |
| Surgery | $15k | $15k | $0 |
| X Ray | $1k | $1k | $0 |
| Total | $25,000 | $24,000 | $1,000 |
Student Journey Platinum Insurance is a medical insurance plan for students and cultural exchange participants. It has different coverage limits depending on the plan option you choose. This plan covers medical maximum of $150,000, $300,000 and $500,000 with deductible of $100, $250 and $500.
IMG Student Journey insurance covers pre-existing conditions after 6 months of waiting period.
Affordable Care Act affects the Non US students purchasing this plan. As non-resident aliens, international students, scholars and people involved in cultural exchange programs on F, J, Q, M Visas are not subject to the individual mandate for the first five years in the US. All other J categories are not subjected to the individual mandate for two years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase the Student Journey Platinum.
Student journey insurance covers maternity up to $5,000 normal delivery $7,500 for c-section delivery and for newborn up to $500 maximum.
Yes. Adventure sports coverage is available as optional rider up to the age of 65 years. 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 any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, cannoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.