Student Health Advantage Group Insurance

Ideal for Internationl students, Exchange scholarsMaternity

Student Health Advantage group insurance is a type of travel medical insurance for groups of five or more students, scholars, 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. It offers two plans: Standard and Platinum. The Standard plan offers basic coverage and benefits for your group’s travel medical needs. The Platinum plan offers enhanced coverage and benefits for your group’s travel medical needs. Student Health Advantage is available for both individuals and groups. The group insurance is for 5 or more individuals offering 10% discount.

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Key benefits of Student Health Advantage Group Student Insurance

Ideal for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 visa holders

Maternity coverage

COVID-19 covered

Pre-existing conditions

PPO network

Renewable up to 5 years

Student Health Advantage

Student Health Advantage - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

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Student Health Advantage Group Insurance Review

Coverage Description
Insurance provider International Medical Group (IMG)
Underwriter Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.
Insurance rating AM Best Rating: "A-" (Excellent) and A- by Standard & poor'
Eligibility Group of 5 or more international students studying outside their home country. Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
Policy maximum Standard plan: Student- $500K; Dependent- $100K
Platinum plan: Student- $1M; Dependent- $100K
Deductible options $100 per illness or injury
Student Health Center: $5 copay per visit
US Visa types F1/F2, J1/J2, M1/M2 or A1/A2
Pre-Existing Conditions Standard: Covered after a waiting period of 12 months
Platinum: Covered after a waiting period of 6 months
Optional Riders Provide additional coverage for a minimal charge. Adventure Sports rider
Comapre and buy student insuranc

Student Health Advantage highlights

  • Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
  • Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%
  • Deductible of $100
  • Maximum limit for student: $500K
  • Provides coverage for mental health, organized sports, and preexisting conditions

Student Health Advantage Group Links

Student Health Advantage Group Student Insurance - FAQ's

01. What are the benefits of Student Health Advantage Group student insurance?

Student Health Advantage Group student 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
02. How much does Student Health Advantage student medical pay for covid19 expenses?

The amount that Student Health Advantage student medical insurance pays for covid19 expenses depends on the plan option you choose (Standard or Platinum), the provider network you use (UnitedHealthcare or outside), and the policy maximum and deductible you select. Generally, the plan pays as follows:

  • For Standard option, the plan pays 90% of eligible medical expenses up to $1K then 100% thereafter within the UnitedHealthcare network in the US; outside the network in the US, the plan pays 80% of eligible medical expenses up to the policy maximum. The policy maximum is $500K per policy period and the deductible is $100 per injury or illness.
  • For Platinum option, the plan pays 100% of eligible medical expenses within the United Healthcare network in the US; outside the network in the US, the plan pays 90% of eligible medical expenses up to $5K then 100% thereafter. The policy maximum is $1M per policy period and the deductible is $25 per injury or illness
03. Can F2 visa holder buy Student Health Advantage group insurance?

Yes, an F2 visa holder can buy Student Health Advantage Group Insurance if they meet the eligibility criteria. An F2 visa holder is a dependent spouse or child of an F1 visa holder who is a student or scholar in the US.

04. Do this Student Health Advantage group plan cover sports-related illness or injuries?

IMG Student Health Advantage group 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 does Group international student insurance cover?

Student medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Medical evacuation

Transportation to or between hospitals as needed.

Accidental death & dismemberment

Benefits to the beneficiary should the insured suffer an accident that results in death.

Maternity Care

Offering coverage for pregnancy, maternity and new born baby.

Repatriation of Remains

Repatriation of remains expenses to home country in case of death.

Advantages of having Group student insurance

  • Cheaper and more convenient than buying individual policies for each member of your group.
  • It can ensure that everyone in your group has the same level of coverage and benefits. You don’t have to worry about comparing different policies or finding out that someone in your group has inadequate or no coverage at all.
  • It can offer coverage for unforeseen events like holiday cancellation or lost baggage. This prevents you from incurring extra expenses due to a flight cancellation or losing your valuables during your trip.
  • There is usually a discount of about 10% or more in group travel policies when compared to individual travel insurance for the same destination.
  • Common application form for all members of the group instead of individually filling application forms.
  • There is a master policy for the whole group with individual ID cards for individual travelers.
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Student Health Advantage Insurance Restrictions

Student Health Advantage Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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