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Patriot Exchange vs Student Health Advantage Insurance

Compare and review benefits and coverage limits of International Medical Group (IMG) Global Medical plans to find best plan for your needs.

Compare International Medical Group Coronavirus Student Insurance Plans

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Compare Travel Plans
Patriot Exchange
versus
  Student Health Advantage 
Patriot Exchange
Plan Maximum
Deductible
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Student Health Advantage
Standard
Plan Maximum
Deductible
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Student Health Advantage
Platinum
Plan Maximum
Deductible
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Covid 19 Coverage Covers Covid19 illness Covers Covid19 illness Covers Covid19 illness
Coinsurance - for treatment received inside the U.S. & Canada No Coinsurance In the PPO Network or Student Health Center
No Coinsurance

Out of the PPO Network
The plan pays 80% of the first $5,000 of the eligible charges, then 100% thereafter
In the PPO Network or Student Health Center
No Coinsurance

Out of the PPO Network
The plan pays 80% of the first $5,000 of the eligible charges, then 100% thereafter
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services
Intensive care unit Up to the overall maximum limit Not Available Not Available
Mental/Nervous Not covered if incurred in student health center; Inpatient: $10,000 maximum limit; Outpatient: $50 maximum limit per day.$500 maximum limit Outpatient - $50 per day; $500 lifetime maximum
Inpatient: After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally up to $10,000 maximum limit; Student health center treatment - $0
Outpatient - $50 per day; $500 lifetime maximum
Inpatient: After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally up to $10,000 maximum limit; Student health center treatment - $0
Urgent Care Clinic $50 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Not Available Not Available
Prescription Drugs and Medications Company pays 100% after deductible is met 90 day dispensing maximum Period of Coverage limit: $250,000 per person After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally; $250,000 period of coverage limit for insured student and $100,000 period of coverage limit for dependents. Retail pharmacy prescription drugs and medication are paid at 50% out-of-network and international with a 90 day dispensing maximum. After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally; $250,000 period of coverage limit for insured student and $100,000 period of coverage limit for dependents. Retail pharmacy prescription drugs and medication are paid at 50% out-of-network and international with a 90 day dispensing maximum.
 Emergency Services
Emergency local ambulance Up to the maximum limit. Subject to deductible and coinsurance Company pays 100%. Transfer must be a result of an inpatient hospital admissio Company pays 100%. Transfer must be a result of an inpatient hospital admissio
Maternity Coinsurance -
No Coverage Outside the US: 100% of eligible expenses
In US and PPO Network: 80% of the eligible expenses
Non-PPO Network: 60% of the eligible expenses
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
span>Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
 Dental
Emergency dental treatment Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum Injury due to accident: $500 maximum per accident,Sudden & unexpected pain to natural teeth - $350 maximum Injury due to accident: $500 maximum per accident,Sudden & unexpected pain to natural teeth - $350 maximum
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Sudden and Unexpected Recurrence of a Pre-Existing Condition covers Medical - Up to $5,000 of the eligible expenses; Emergency Medical Evacuation - Up to $25,000 of the eligible costs and expenses Covered after a waiting period of 12 months Covered after a waiting period of 12 months
 Life
AD&D $25,000 principal sum, Not subject to deductible Student - $25,000 principal sum
Spouse - $10,000 principal sum
Dependent child - $5,000 principal sum
Accidental dismemberment percentage of principal sum
Student - $25,000 principal sum
Spouse - $10,000 principal sum
Dependent child - $5,000 principal sum
Accidental dismemberment percentage of principal sum
 Evacuation
Emergency medical evacuation Up to $50,000 lifetime maximum Up to $500,000 lifetime maximum Up to $500,000 lifetime maximum
Emergency reunion $100,000 maximum limit. Not subject to deductible $50,000 lifetime maximum $50,000 lifetime maximum
Return of mortal remains or cremation/burial $25,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial $50,000 maximum $50,000 maximum
Political evacuation and repatriation $10,000 lifetime maximum $10,000 lifetime maximum $10,000 lifetime maximum
Terrorism $50,000 maximum limit. Not subject to deductible $50,000 maximum limit. Not subject to deductible $50,000 maximum limit. Not subject to deductible
Unique Advantages
Patriot Exchange Insurance Advantages:
  • 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.
  • Discounted prices for pharmacy prescriptions at universal Rx pharmacy..
Student Health Advantage Standard Advantages:
  • Coverage for individual or groups of two or more members and their dependents.
  • Student Health Advantage plan as a monthly payment option.
  • Optional adventure sports rider up to the age of 65 years.
Student Health Advantage Platinum Advantages:
  • Coverage for individual or groups of two or more members and their dependents.
  • Student Health Advantage plan as a monthly payment option.
  • Optional adventure sports rider up to the age of 65 years.

 Accident death and dismemberment

Common Carrier Accidental Death - $25,000
Dismemberment - $25,000 (two limbs); $12,500 (one limb)
Accidental Death - Student: $25,000; Spouse: $10,000; Dependent: $5,000
Dismemberment - Accidental dismemberment percentage of principle sum
Accidental Death - Student: $25,000; Spouse: $10,000; Dependent: $5,000
Dismemberment - Accidental dismemberment percentage of principle sum

 Travel Insurance

Underwriter Patriot Exchange Student Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Student Health Advantage Standard Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Student Health Advantage Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating Patriot Exchange Student Insurance Rating
AM Best Rating: "A" (Excellent)
Student Health Advantage Standard Insurance Rating
AM Best Rating: "A" (Excellent)
Student Health Advantage Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details

Compare Patriot Exchange vs Student Health Advantage Insurance plans

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 vs Student Health Advantage Insurance

Patriot Exchange vs Student Health Advantage

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.

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Unique feature of Patriot Exchange Student insurance

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.

IMG Patriot Exchange vs Student Health Advantage Insurance plans- FAQs

  • What is acute onset of pre-existing condition?
    Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

    Is IMG travel insurance legit? Is IMG a real insurance company?
    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

    Does IMG travel insurance cover Covid?
    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

    Does IMG sell Cancel for Any Reason Insurance?
    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

    What does IMG insurance stand for?
    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

    Is IMG a good travel insurance company?
    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

    Does Patriot Exchange Insurance cover covid illness?
    IMG Covid19 travel insurance by Patriot Exchange 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

    How long can I renew Patriot Exchange?
    Patriot Exchange is available for 12 months and it can be renewed for 48 months.

    Can f2 visa holder buy Patriot Exchange insurance?
    Patriot Exchange 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.
  • 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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