International Medical Group Has designed Patriot Exchange Insurance and Student Health advantage insurance for international students. These are comprehensive medical insurance plans ideal for international students, exchange scholars taking part is full time study abroad courses. Both these plans are underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company and have AM Best Rating of "A" (Excellent). International Medical Group has been offering international health insurance since 27 years and is popularly known for its excellent claims settlement. It is advisable to compare Patriot Exchange and Student Health Advantage plans before buying the best plan satisfying your needs. They both satisfy university requirements and US J visa requirements, After the student or exchange scholar has purchased the student medical insurance, a waiver form showing the proof of comparable coverage and visa letters would be sent on request.
Patriot Exchange Insurance offers basic student medical insurance coverage for international students from $50,000 up to $500,000. It has no coinsurance.
Student Health Advantage Standard Insurance offers international student health insurance coverage up to $500,000. The per injury illness maximum for this plan is $500,000 for student. It doesn’t offer coverage for maternity and new born care.
Student Health Advantage Platinum Insurance offers medical coverage up $1,000,00. The per injury illness maximum for this plan is $500,000. The platinum insurance offers coverage for Maternity and new born care. Outside the US: 100% of eligible expenses is covered, in US and PPO Network 80% of the eligible expenses and in non-PPO Network 60% of the eligible maternity expenses are covered.
Both the standard and the platinum plans cover high school sports, mental illness... Both the plans also cover acute onset of pre-existing conditions. The standard plan has a 12 month waiting period for coverage of pre-existing conditions and the Platinum plan has 6 month waiting period for coverage of pre-existing conditions. The Platinum plan has less deductible of $25.
Patriot Exchange student health insurance plan has been designed keeping the US Universities and their requirements for F1 and J1 Visa holders in mind. This plan satisfies typical university F1 and US immigration authorities J1 Visa requirements. Student Health Advantage is another student plan from IMG that is designed to the needs of international students coming to the US for higher education. It meets the J1 visa requirements and is also suitable for F1 Visa holders and their dependents. There are two types of Student health advantage plans namely Standard and Platinum.Know more
The Patriot Exchange student insurance plan is available for spouse and dependent children even if the primary F1 or J1 visa holder is not on this insurance plan. If a J1 Visa holder wants to buy this plan for his J2 spouse or children, then Patriot Exchange insurance plan can be purchased for the J2 visa holders. The same is true for F2 visa holders as they can buy Patriot Exchange student insurance even if the F1 visa holder is not on the Patriot exchange student insurance plan.
Student Health Advantage can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.
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.
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.