Student Health Advantage by IMG provides international student health insurance for competitive sports, pre-existing conditions and maternity

Student Health Advantage Insurance

Student Health Advantage Standard Insurance

Student Health Advantage is designed by IMG for students or scholars participating in a sponsored study abroad program, and who want an annually renewable medical plan. The Students health advantage student insurance plan covers pre-existing condition coverage after the first 12 months of the plan. This plan can be renewed for up to five years and spousal/dependent coverage can be accommodated. Student Health Advantage also includes mental and nervous disorder coverage as well as organized sports coverage.

Student Health Advantage Platinum Insurance

Student Health Advantage Platinum by IMG provides maximum amount of coverage for students, and scholars. Building on the coverage provided by Student Health Advantage, there are two main factors that set Student Health Advantage Platinum apart from IMG’s other international student health insurance plans: maternity coverage and a six-month waiting period for pre-existing condition coverage. If either of these situations appeal to you or are required by your school’s student health waiver requirements, then Student Health Advantage Platinum is the plan for you.

Student Health Advantage Insurance Reviews

Insurance provider
International Medical Group

Student Health Advantage insurance rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's

Policy maximum

Standard plan: Student- $500K; Dependent- $100K

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

Deductible options

Student Health Center: $5 copay per visit

$100 per illness or injury

Plan life
Up to a maximum 5 years Student Health Advantage can be renewed online

Coinsurance

Student Health Advantage In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum

90%

Student Health Advantage Out of Network

80%

The plan pays 80% up to the policy maximum.

Patriot America Lite insurance Underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Student Health Advantage related links

Brochure
Benefits
Pros of Student Health Advantage
Student Health Advantage Covid19 travel insurance by International Medical Group for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Only plan that offers coverage for people with F2 or J2 visa when the primary holder (F1 or J1) has current insurance coverage

"Adventure Sports Rider" is available for purchase.

Plan is renewable up to 48 months if plan is purchased for a minimum of 1 month.

If the insured has access to a health center, they only pay a $5 copay (instead of the usual $100 deductible). Even several visits will be cheaper than paying a deductible

$500,000 coverage plan available with a lifetime maximum of $5,000,000.

There is no coinsurance.

This plan covers for medical evacuation, repatriation, emergency reunion.

Optional add on cover is available for high school sports, personal liability, baggage loss and legal assistance.

Additional benefits under this policy include AD&D, terrorism coverage and incidental home country coverage.

Discounted prices for pharmacy prescriptions at universal Rx pharmacy.

Sudden recurrence of a Pre existing for US citizens is $5000 for eligible medical expenses and $25,000 for emergency evacuation. Look back period is 3 years from start date of plan.
Disadvantages of Student Health Advantage
The policy cannot be renewed if purchased for less than 1 month.

Does not cover pregnancy.
Reviews
Claims
Renewal
Description
Optional Rider
Comprehensive plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

International Student Health Advantage Plan Summary

Optional Riders for Student Health Advantage Plan

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Adventure Sports rider

Chaperone/Faculty Leader Replacement Rider

Student Health Advantage Coinsurance

In- Network: Plan pays 90% and insured pays 10%
Out-of-Network: Plan pays 80% and insured pays 20%
International: Plan pays 100%

Out of Pocket Maximum:

In- Network: $1K
Out-of-Network: Up to the Maximum Limit
International: $0

Eligibility to buy Student Health Advantage

Be an active Participant, Spouse of the Participant, or Children traveling with the Participant and residing outside his/her primary Country of Residence for a temporary period of time, and if Destination Country is the United States, Insured Person must hold one of the following visa types:F1/F2, J1/J2, M1/M2 or A1/A2
Be at least 31 days old but not yet 65 year old.
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.
Not be hospitalized, disabled, pregnant or HIV+ on the initial effective date.

Student Health Advantage Insurance Benefits

In-Patient Medical Benefits

Coinsurance	In-Network: Plan pays 90%, insured pays 10% Out-Network: Plan pays 80%, insured pays 20% International: Plan pays 100%, insured pays 0%
Out of Pocket Maximum	In-Network: $1K Out-Network: Up to the Maximum Limit International: $0
Eligible medical expenses	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Hospital room and board	Average semi-private room rate, including nursing services In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Surgery	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Intensive care unit	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Student Health Center	$5 co-pay per visit. Not subject to deductible.
Mental/Nervous	Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Out-Patient Medical Benefits

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Teladoc Consultation	Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Emergency Room and Outpatient Office Visits Prescription Drugs and Medication	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Radiology / X-ray	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Laboratory	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Assistant Surgeon	20% of the primary surgeon’s eligible fee In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Anesthesia	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Retail Pharmacy Prescription Drugs and Medication	Dispensing maximum for Retail Pharmacy: 90 days per prescription In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Physical Therapy	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Prescription Drugs and Medications	Period of Coverage limit: $250K per person Spouse and Child: Up to the Maximum Limit ($100K)

Emergency Services

Prescription Drugs and Medications	Up to $350
Hospital emergency room	Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission. In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Interfacility ambulance transfer	Company pays 100%

Dental

Emergency dental treatment	Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum In-Network: Not Covered Out-Network: 90% up to policy maximum International: 100% up to policy maximum
Traumatic Dental Injury	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Evacuation

Emergency medical evacuation	$50K maximum limit
Emergency reunion	$50K lifetime maximum
Repatriation for Medical Treatment	$100K maximum limit. Not subject to deductibley
Return of mortal remains or cremation/burial	$50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
Political evacuation and repatriation	$10K lifetime maximum

Trip Protection

Terrorism	$Personal Liability: $2,000 per period of coverage limit after $100 deductible. Damage to third party’s property: $500 per period of coverage limit after $100 deductible
Lost Personal Property	$250 per period of coverage limit

Pre-Existing Condition

Pre-Existing Condition	Standard:Covered after a waiting period of 12 months Platinum: Covered after a waiting period of 6 months

Life

Accidental death & dismemberment	$25K principal sum, Not subject to deductible

Other Expenses

Incidental Emergency in the U.S.	Up to a cumulative 14 days (available for non-U.S. residents only) In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Intercollegiate/interscholastic/intramural or club sports	$5K maximum per injury or illness

Student Health Advantage Insurance - Frequently asked questions

Does Student Health Advantage covers Maternity ?

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

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.

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.

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.

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.

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.

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.

Does Student Health Advantage Insurance cover covid illness?

IMG Covid19 travel insurance by Student Health Advantage insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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Student Health Advantage Insurance

Student Health Advantage Insurance

Student Health Advantage Insurance

Key benefits of Student Health Advantage Insurance

Student Health Advantage Insurance Reviews

Student Health Advantage related links

Student Health Advantage Insurance - Key Highlights

International Student Health Advantage Plan Summary

Student Health Advantage Insurance Benefits

Student Health Advantage insurance PPO network

Student Health Advantage Insurance - Frequently asked questions

International Medical Group(IMG) Insurance related coverage

IMG Patriot group insurance

IMG Pre-existing conditions

IMG Student adventure sports plan

IMG Standard comprehensive plan

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