Student Health Advantage, IMG student maternity insurance for F1 Visa holders, International student medical insurance

Student Health Advantage Standard Insurance

Student Health Advantage Standard is designed by IMG for students or scholars participating in a sponsored study abroad program, and who want an annually renewable medical plan. The Students health advantage student insurance plan covers pre-existing condition coverage after the first 12 months of the plan. This plan can be renewed for up to five years and spousal/dependent coverage can be accommodated. Student Health Advantage also includes mental and nervous disorder coverage as well as organized sports coverage.

Key benefits of Student Health Advantage Standard Insurance

Pre-existing conditions

Accidental death & dismemberment

Urgent Care

UnitedHealth Care PPO

Student Health Center

Emergency medical evacuation

Student Health Advantage Standard Insurance Reviews

Insurance provider
International Medical Group

Student Health Advantage rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's

Policy maximum
Student- $500K; Dependent- $100K

Deductible options
$100 per illness or injury
Student Health Center: $5 copay per visit

Student Health Advantage Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.

Plan life
Up to a maximum 5 years.
Student Health Advantage can be renewed online

Coinsurance of IMG Student Health Advantage

In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum

90%

Out of Network

80%

The plan pays 80% up to the policy maximum.

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International Student Health Advantage Standard Links

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Benefits
Advantages
Disadvantages
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Optional Rider
Detailed Description
Student Health Advantage Description Links
View Student Health Advantage insurance description documents for different coverages:

SHA standard Worldwide coverage

SHA standard Worldwide excluding the United States

SHA Platinum Worldwide coverage

SHA standard Platinum excluding the United States
Comprehensive
Comprehensive plan
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Student Health Advantage Standard student 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 $500K and a $100K for a dependent.
Coinsurance in PPO network or student health center within the U.S. the plan pays 100%.
Visitor medical insurance plan is renewable and has a maximum life of 5 years.
Pre-existing condition coverage is available after a waiting period of 12 months.
Medical insurance for international students or scholars participating in a sponsored study abroad program.
Travel health insurance plan is available for people traveling outside their home country and the destination is the US.
Individual or groups of five or more members , Long-term coverage available from one month up to five years for educational programs.

International Student Health Advantage Standard Plan Summary

Eligibility to buy Student Health Advantage

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.

Student Health Advantage Coinsurance

In- Network: Plan pays 90% and insured pays 10%
Out-of-Network: Plan pays 80% and insured pays 20%
International: Plan pays 100%

Out of Pocket Maximum:

In- Network: $1K
Out-of-Network: Up to the Maximum Limit
International: $0

How Much does Student Health Advantage Standard insurance cost per month?

The Student health advantage Standard cost ranges from $95 to $262 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.

For example here is the cost of Student health advantage standard insurance per month with a deductible of $250. Both monthly and annual payment options are available

Student Age	Medical Maximum $500,000
Under 18 years	$95
19 – 23 years	$124
24 – 30 years	$146
31 – 40 years	$262

The Student health advantage Standard cost ranges from $73 to $167 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.

For example here is the cost of Student health advantage standard insurance per month with a deductible of $250.

Student Age	Medical Maximum $500,000
Under 18 years	$73
19 – 23 years	$82
24 – 30 years	$109
31 – 40 years	$167

Student Health Advantage Standard insurance - PPO network

Student Health Advantage - Does united healthcare cover US travel and how to find hospital or doctor?
U.S. Network Access :

IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.

UnitedHealthcare provides travelers in the U.S. with access to one of the largest healthcare networks in the country, featuring more than 1.4 million physicians, 6,797 hospitals, over 45,000 clinics, 67,000 pharmacies, and 1,800 convenience clinics.

International Provider Access :

When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes access to over 45,000 physicians and facilities, along with direct billing arrangements that help reduce both the time and upfront costs typically associated with medical care.

Find Provider Network

Student Health Advantage Standard medical insurance benefits

Eligible medical expenses	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Hospital room and board	Average semi-private room rate, including nursing services In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Surgery	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Intensive care unit	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Student Health Center	$5 co-pay per visit. Not subject to deductible.
Mental/Nervous	Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Coinsurance In addition to Deductible	In-Network: Plan pays 90%, insured pays 10% Out-Network: Plan pays 80%, insured pays 20% International: Plan pays 100%, insured pays 0%
Out of Pocket Maximum	In-Network: $1K Out-Network: Up to the Maximum Limit International: $0

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Teladoc Consultation	Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Emergency Room and Outpatient Office Visits Prescription Drugs and Medication	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Radiology / X-ray	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Laboratory	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Assistant Surgeon	20% of the primary surgeon’s eligible fee In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Anesthesia	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Retail Pharmacy Prescription Drugs and Medication	Dispensing maximum for Retail Pharmacy: 90 days per prescription In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Physical Therapy	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Prescription Drugs and Medications	Period of Coverage limit: $250K per person Spouse and Child: Up to the Maximum Limit ($100K)

Emergency local ambulance	Up to $350
Hospital emergency room	Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission. In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Interfacility ambulance transfer	Company pays 100%

Emergency dental treatment	Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum In-Network: Not Covered Out-Network: 90% up to policy maximum International: 100% up to policy maximum
Traumatic Dental Injury	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Emergency medical evacuation	$500K maximum limit
Emergency reunion	$50K lifetime maximum
Repatriation for Medical Treatment	$100K maximum limit. Not subject to deductibley
Return of mortal remains or cremation/burial	$50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
Political evacuation and repatriation	$10K lifetime maximum

Pre-Existing Condition Standard:Covered after a waiting period of 12 months
Platinum: Covered after a waiting period of 6 months
Accidental death & dismemberment $25K principal sum, Not subject to deductible

Intercollegiate/interscholastic/intramural or club sports	$5K maximum per injury or illness
Incidental Emergency in the U.S.	Up to a cumulative 14 days (available for non-U.S. residents only) In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Terrorism	$50K maximum limit. Not subject to deductible

What are the optional benefits in Student Health Advantage Standard Insurance?

Student Health Advantage insurance can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

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

Adventure Sports Rider - More Details

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.

Mobile Device Protection - More Details

Student Health Advantage Standard 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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Plan details of Student Health Advantage Standard student insurance

What is pre-certification requirements for Student Health Advantage insurance?
Student Health Advantage Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
1. Certain treatment and supplies including hospital admission, inpatient or outpatient surgery, and other procedures as noted in the certificate wording must be pre certified for medical necessity, which means the insured person or their attending physician must communicate with an IMG representative at the number listed on the IMG ID card prior to admission to a hospital, before receiving certain treatments and supplies or performance of a surgery.
2. In case of an emergency admission, the precertification must be made within 48 hours of the admission, or as soon as reasonably possible.
3. If a hospital admission or a surgery is not pre certified, eligible claims and expenses will be reduced by 50 percent.
4. It is important to note that precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits, or a guarantee of payment. All medical expenses eligible for reimbursement must be medically necessary and will be paid or reimbursed at usual, reasonable, and customary rates.
5. Routine physicals, inoculations, or other examinations or tests conducted when there is no objective indications or impairments in normal health;
6. Please refer to the certificate wording for full details of the precertification requirements.
7. The insured can begin the process of precertification by logging on to MyIMG Login To MyIMG - International Medical Group imglobal.com or the Client Resources section of imglobal.com. Look for the precertification option and submit the required information.
8. Please note that this online service will only initiate the process for treatment and supplies outlined in the contract, and it should not be used to request precertification for emergency admissions, procedures or evacuations.
Conditions of Coverage for Student Health Advantage
1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
2. Coverage under this plan is secondary to any other coverage
3. Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
4. Charges must be administered or ordered by a physician
5. Charges must be incurred during the period of coverage or benefit period
6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Student Health Advantage Standard student insurance - FAQ's

Student Health Advantage is designed for individuals or groups of five or more students or scholars participating in a sponsored study abroad program, 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.

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 Standard 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.

Student Health Advantage Standard can be renewed monthly for up to 12 months and it can be renewed for maximum of 60 months.

Student Health Advantage Standard 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.

To be eligible for Student Health Advantage Standard student medical insurance, you must:

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
Reside outside your country of residence for the purpose of pursuing international educational activities for a temporary period of time
Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal

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

The Student health advantage Standard insurance cost depends mainly on the following factors:

The policy maximum chosen (the maximum amount the plan will pay per injury or illness)
The deductible chosen (the amount you have to pay before the plan pays)
The age and health status of the insured person
The duration and location of your program

Student Health Advantage Claims Information

Download Student Health Advantageclaims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »

IMG Student Insurance related coverage

Student Health Advantage Platinum insurance

Period of coverage is available up to $1,000,000.
Pre-Existing Condition covered after a waiting period of 6 months.
Emergency local ambulance is covered up to $750 per illness only if admitted as inpatient.

Plan details Buy online