Student Health Advantage Insurance, IMG administered, Sirius International underwritten Student Health Advantage, worldwide medical insurance for international students

This plan is designed to specifically meet the needs of international students involved in long-term educational programs. If a plan is purchased for a minimum of three months, coverage may be extended upto 12 months from the initial effective date. Provided there is no break in coverage, the plan may be renewed for up to five years.

Lifetime Maximum:	Student: $500,000 Dependent: $50,000
Deductible	$100 per Illness/Injury $50 per Illness/Injury if Treatment received in Student Health Center
Eligibility	The group member must be a full-time student or scholar at a college or university. The group member must be residing outside his/her home country for the purpose of pursuing international, educational activities including but not limited to college course work, conducting research or teaching for a temporary period of time. Must not have obtained residency status in Host Country. Dependents have to be legal dependents, traveling with the group as a dependent of a group member and traveling outside their home country.
Pre-Existing Condition Coverage	After 12 months of continuous coverage, the plan provides benefits for pre-existing conditions.
Coverage	- Hospital Room & board - Emergency Medical Evacuation - Emergency Reunion - Return of Mortal Remains	- Maternity - Dental - Intensive Care
Co-insurance	Charges incurred outside the U.S 100% of eligible expenses	Charges incurred within the U.S - In PPO network or Student Health Center 100% of eligible expenses - Out of PPO network 80% of the first $5000 of eligible charges, then 100% thereafter.
Plan Life	3 months, can be extended from 12 months to 5 years with no breakage period.
Underwriter	Student Health Advantage^SM is underwritten by Sirius International Insurance Corporation (publ)
Buy - Online	Apply & purchase online Student Health Advantage Insurance
Brochure	Complete, mail/fax the Student Health Advantage Insurance Brochure along with payment.

Student Health Advantage Insurance Benefits

Student Health Advantage^SM provides coverage is for international students involved in long-term educational programs

All coverages and plan costs listed here are in U.S. dollar amounts

Lifetime Maximum: Student Dependent	$500,000 $50,000
Per Illness/Injury Maximum: Student Each eligible dependent	$300,000 $50,000
Deductible:	$100 per Illness/Injury $50 per Illness/Injury if Treatment received in Student Health Center
Emergency Room: Injury Illness resulting in hospitalization No hospitalization	URC* URC* Subject to additional $250 deductible
Hospital Room & Board:	Average semi-private room
Maternity:	URC* following 10 month waiting period up to policy maximum
Prescription Drugs: Inpatient Outpatient	URC* 50% of actual charges
Repatriation of Remains:	Max Up to $25,000
Emergency Reunion:	$2,500 lifetime maximum
Dental: Injury due to covered accident Sudden & Unexpected pain	$500 $300

Student Health Advantage Insurance - Additional Benefits

Intercollegiate / Interscholastic / Intramural or Club Sports:	$5000 per Injury/Illness Medical Expenses only
Pre-existing Conditions :	After 12 months of continuous coverage
AD&D : Student Dependent Spouse Dependent Child Dismemberment Levels	$25,000 $10,000 $5000 Scheduled
Terrorism Coverage:	Up to $50,000 lifetime maximum

*Usual, Reasonable and Customary Charges

Student Health Advantage Insurance - Eligibility

The following conditions apply to all persons applying for and/or enrolling in Student Health Advantage^SM:

The group member must be a full-time student or scholar at a college or university.
The group member must be residing outside his/her home country for the purpose of pursuing international, educational activities including but not limited to college course work, conducting research or teaching for a temporary period of time.
Must not have obtained residency status in Host Country.
Dependents have to be legal dependents, traveling with the group as a dependent of a group member and traveling outside their home country.

Student Health Advantage Insurance - Highlights

Coverage for Group members and dependents.
Maternity coverage after 10 months
Mental health coverage
Organized sports
Pre-existing coverage after 12 months

Student Health Advantage Insurance - Exclusions

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under Student Health Advantage^SM. :

Pre-existing Conditions. A pre-existing condition is defined as any Injury, Illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 12 months prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
Treatment or surgeries which are elective, investigational, experimental or for research purposes
War, military action, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person's date of arrival in the Host Country.
Immunizations and routine physical exams.
Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
Pre-natal, post-natal, and newborn care, unless related to a Covered Pregnancy, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
Expenses in excess of $5,000 for Injury or Illness sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding,snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, wind-surfing and whitewater rafting.
Vision or ear tests and the provision of visual or hearing aids.
Vocational, recreational, speech or music therapy.
Treatment while confined primarily to receive custodial care,educational or rehabilitative care, or nursing services.
Charges, Injuries and/or illness resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
Treatment for, and Injuries and/or Illnesses resulting or arising from, substance abuse or drug addiction.
Injury and/or Illness resulting or arising from being under the influence of alcohol or drugs; and Injury or Illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
Willful self-inflicted Injury or Illness.
Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
Organ or tissue transplants or related services.
Illness or Injury where the trip to the host country is undertaken for treatment or advice for such Illness or Injury, except as expressly provided for in the certificate of insurance.
Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).