IMG

Student Health Advantage Insurance

International Medical Group (IMG) offers the Student Health Advantage plans which provides comprehensive international student medical insurance to students and scholars pursuing their education outside their home country. There are two plan options available: standard and platinum plan. Student Health Advantage covers mental health, organized sports and pre-existing conditions. If there is no break in coverage, the plan may be renewed for up to five years.

Quotes for Student Health Advantage Insurance

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Age
Spouse
Start Date
End Date
Destination
Citizenship
Student Health Advantage Standard
Plan Maximum
Deductible
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Student Health Advantage Platinum
Plan Maximum
Deductible
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Maximum limit
Student - $500,000 per period of coverage;
Dependent - $100,000 per period of coverage
Student - $1,000,000 per period of coverage;
Dependent - $100,000 per period of coverage
Maximum per injury/sickness
Student - $300,000;
Dependent - $100,000
Student - $500,000;
Dependent - $100,000
Deductible options
$250 per injury/sickness
Student health center - $5 copay per visit
For treatment received outside of US: $25 per injury/sickness
For treatment received inside of US: $100 (in PPO) & $150 (outside PPO) per injury/sickness
Student health center - $5 copay per visit
Pre-Existing Condition
Covered after a waiting period of 12 months Covered after a waiting period of 6 months
Maternity Newborn Care
No Coverage $5,000 maximum limit. Benefit includes newborn routine care during the first 31 days of life
After deductible is met, company pays 60% of eligible expenses out-of-network(U.S.), 80% in-network(U.S.) and 100% internationally
Emergency local ambulance
Per injury- up to $350
$350 per illness only if admitted as inpatient
Per injury- up to $750
$750 per illness only if admitted as inpatient
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Patriot America Insurance
Insurance provider
International Medical Group
Plan life? - Up to a maximum 5 years.
Student Health Advantage can be renewed online
Policy maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Deductible options?
$100 per illness or injury
Student Health Center: $5 copay per visit
Student Health Advantage insurance rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Compare IMG Student Insurance Plans
Compare IMG Student Insurance Plans
Student Health Advantage Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.
Student Health Advantage Links

An article comparing the benefits of International Medical Group's popular student insurance plans namely Patriot Exchange and Student Health Advantage plan.
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A comparison table to review the plans benefits of Patriot Exchange and Student Health Advantage and select a plan that best satisfies your needs.
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Patriot Exchange vs Student Health Advantage Insurance

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.
  • 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.
  • 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.
  • Travel health insurance plan is available for people traveling outside their home country and the destination is the US.
  • Covid-19 is covered in the plan as any other illness.

Student Health Advantage Plan Summary

EligibiltyEligibility 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.
Expenses incured by customer after deductibleStudent 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: $1,000
  • Out-of-Network: Up to the Maximum Limit
  • International: $0
Patriot America Travel insurance optional ridersOptional Riders for Student Health Advantage Plan

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

  • Adventure Sports rider
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Plan Benefits

Plan details of Student Health Advantage Insurance

  • In-Patient Medical Benefits
    COVID-19/SARS-CoV-2 Coverage Patriot Exchange insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
    Coinsurance 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: $1,000
    Out-Network: Up to the Maximum Limit
    International: $0
    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: $10,000 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
    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: $250,000 per person
    Spouse and Child: Up to the Maximum Limit ($100,000)
    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 $500,000 maximum limit
    Emergency reunion $50,000 lifetime maximum
    Repatriation for Medical Treatment $100,000 maximum limit. Not subject to deductibley
    Return of mortal remains or cremation/burial $50,000 maximum limit for Return of Mortal Remains or $5,000 maximum limit for Cremation/Burial
    Political evacuation and repatriation $10,000 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 $25,000 principal sum, Not subject to deductible
    Intercollegiate/interscholastic/intramural or club sports $5,000 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 $50,000 maximum limit. Not subject to deductible
  • claims-icon How are Student Health Advantage Insurance claims are settled?

    The claims payable under Student Health Advantage plan are subjected to the terms and conditions in the Certificate of Insurance. The claims can be paid in two ways:

    1. Eligible expenses that have been paid by or on behalf of the insured can be directly reimbursed by cheque to the insured. For this, the insured needs to submit completed CLAIM FORM   imglobal-claims-form.pdf (americanvisitorinsurance.com) along with the original itemized bills and paid receipts within 90 days from the date the claim was incurred. IMG will reimburse the expenses after applying the deductible and coinsurance.
    2. In many cases, IMG works directly with providers including those outside Preferred Provider Organizations for payment of claims. For direct billing, a completed CLAIM FORM   imglobal-claims-form.pdf (americanvisitorinsurance.com) along with itemized bills need to be submitted to IMG and at the option of IMG, it will be paid either to the insured person or directly to the provider.

    Claims can be paid online by logging on to Login To MyIMG - International Medical Group (imglobal.com)


    Claims contact information:
    Toll Free Number: 1.800.628.4664
    Email : insurance@imglobal.com, customercare@imglobal.com
    Fax : (+1) 317-655-4505
    mailing address : International Medical Group, Inc. Claims, P.O. Box 9162, Farmington Hills, MI 48333-9162 USA
  • special-coverage 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.

Covid19 IMG student insurance for Coronavirus

Student Health Advantage Insurance offers Covid19 international student health insurance coverage for medical expenses arising from Covid illness.

Student Health Advantage Travel Insurance - Frequently asked questions

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.

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.

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.

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Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
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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.

International Medical Group(IMG) Insurance related coverage

International Medical Group(IMG) Insurance related coverage