IMG Student Health Advantage for international students
One of the important high priority things to students coming to the US is International Student insurance to cover them in US during their stay in the US. International students from outside come to study in a number of US Universities on F1 Visa.
Sometimes we have the F2 Visa holder who is the spouse of F1 accompany their spouse to the US. The catch is to find the right insurance plan that fulfills their needs and satisfies any University requirement that is mandatory.
Most of the student plans cover some of the basic benefits such as hospital indemnity, outpatient services, prescription drugs, mental health.
Sometimes due to various reasons F1 visa international students who are not enrolled in any classes in the US require insurance .In these situation international students can buy short term US visitor’s medical insurance. The visitors’ health insurance plans are cheaper and perfect for international students in the US who are not enrolled in classes. International students can review visitors insurance USA and purchase insurance along with Covid19 student travel insurance USA coverage. Student Health Advantage Insurance offers international student insurance coverage for Covid illness for students studying outside their home country.
Student Health Advantage plan from the company IMG(International Medical Group) includes most of the benefits mentioned above except preventive care and wellness checkup. Most of the US Universities agree for this insurance plan and it is one of the popular student plans purchased by F1 Visa holders and their dependents. Since this plan covers maternity, it is preferred by students whose spouses are thinking to get pregnant.
There is a 12 month waiting period with this plan to cover pre-existing condition. This plan also includes coverage for sports. Other than the Student Health Advantage Standard plan this plan has a Student Health Advantage Platinum plan Quotes option that provides enhanced benefits.
Compared to the Patriot Exchange which is another popular student plan popular among the plans for J Visa holders as well from the same insurer IMG, Student Health Advantage plan provides additional benefits like coverage for Maternity, Sports, Mental Health and substance.What is Student Health Advantage insurance?
The Student Health Advantage is a comprehensive IMG student health insurance plan designed for international students, scholars, and groups of five or more participating in long-term educational or cultural exchange programs outside their home country. This plan provides annually renewable coverage that meets J1 and F1 visa health insurance requirements. Student Health Advantage program is the one of the best health insurance for students studying abroad offering essential benefits like maternity care, mental health support, organized sports coverage, and emergency medical evacuation.
Student Health Advantage provides two sub plans designed to meet various needs of international students and scholars- Student health Advantage Standard: $500,000 medical maximum
- Student Health Advantage Platinum : $1,000,000 medical maximum
Student Health Advantage insurance Reviews
What is the Student Health Advantage eligibility requirements?
- 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.
What are the optional benefits in Student Health Advantage IMG?
Student Health Advantage insurance can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
1. Student Health Advantage Insurance Adventure Sports Rider
- Available for those up to the age of 65 years.
- Activities Covered upto lifetime maximum: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing
- Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Body or Authority.
| Age | Maximum limit |
|---|---|
| Student age from 0 to 49 years | $50,000 Maximum Limit per Injury or Illness |
| Student age from 50 to 59 years | $30,000 Maximum Limit per Injury or Illness |
| Student age from 60 to 64 years | $15,000 Maximum Limit per Injury or Illness |
2. Mobile Device Protection
Available for individuals only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
Student Health Advantage Insurance - Key Highlights
- This is a per injury and illness student insurance plan is available in two types namely Standard and Platinum plan.
- The Standard plan provides a policy maximum of $500,000 and a $100,000 for a dependent.
- The Platinum plan provides a policy maximum of $1000,000 and $100,000 for a dependent.
- Deductible of $100 is applicable on this plan.
- The plan is renewable and has a maximum life of 5 years.
- The plan is available for people traveling outside their home country and the destination is the US.
- Student Health Advantage plan is available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders.
- Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
- Co-Insurance for charges incurred within the US and Canada in the PPO network is covered 100%; for out of PPO network, 80% is covered up to $5000 after which 100% is covered.
- Pre-existing condition coverage is available after a waiting period of 12 months.
- Covid-19 is covered in the plan as any other illness.
How much does Student Health Advantage insurance 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.
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.
Student Health Advantage student insurance - FAQ's
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.
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.
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.
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
What factors determine international students health insurance cost ?
- Student's age: The student's age determines the cost of US student medical insurance. Students under age 20 can expect health insurance costs ranging from $32 to $460 per month, or $400 to $4,200 per year. The prices for best health insurance for f1 students in USA increases with the age of the student.
- Length of health insurance for F1 students: The cheapest student health insurance in the US can be either monthly or on a daily basis. The price increases with the duration of coverage required.
- Maximum F1 student insurance coverage: Travel health insurance cost in USA for international students is directly dependent on the medical maximum coverage required. The cost of F1 student health insurance is less for lower medical maximum and increases with higher medical maximum coverage.
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