IMG

Student Health Advantage Coronavirus Insurance for Covid19

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.

Student Health Advantage insurance covid - Student Health Advantage coverage for Coronavirus

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

Student Health Advantage Insurance Cost, IMG international student insurance



Quotes for Student Health Advantage Insurance

Age
Start Date
End Date
Coverage
Citizenship
Student Health Advantage Standard
Plan Maximum
Deductible
Student Health Advantage Platinum
Plan Maximum
Deductible
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
$100 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: $25 (in PPO) & $50 (outside PPO) per injury/sickness
Student health center - $5 copay per visit
Pre-exisiting conditions
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
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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Student Health Advantage Insurance
Insurance Provider
International Medical Group
Plan Life
Up to a maximum 5 years.
Student Health Advantage can be renewed online
Deductible Options?
$100 per illness or injury
Student Health Center: $5 copay per visit
Policy Maximum?
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
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Student Health Advantage Reviews
IMG Student Health Advantage reviews.

Student Health Advantage Links

  • Brochure
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive
  • Claims
  • Renewal
  • Provider Network

IMG's Patriot Exchange vs Student Health Advantage

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

International Medical group Student Health Advantage Plan Summary

Student Health Advantage Insurance Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Student Health Advantage Travel Medical Insurance Rating

AM Best Rating: "A" (Excellent)


Optional-coverage Optional 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
emergency-care Student Health Advantage Coinsurance?
  • Charges incurred outside the US and canada - Company pays 100%
  • Charges incurred inside the US and canada - In PPO or Student Health Center - Company pays 100%; Out of PPO network (PPO network for Student Health Advantage Insurance ) - Company pays 80% of the eligible expenses up to $5,000; then 100% thereafter.

What is the eligibility to buy Student Health Advantage?
Student Health Advantage eligibility
  • 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.
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Plan details of Student Health Advantage Insurance

  • Plan Benefits
  • Claims
  • Pre-Certification
Benefits Coverage
Hospital room and board Average semi-private room rate. Includes nursing service
Intensive care After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room injury After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room illness resulting in hospitalization After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room illness - without inpatient admission After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; Subject to additonal $250 deductible
Mental & nervous disorders and substance abuse 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
Prescription drugs Inpatient - After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally Outpatient- 50% of actual charges 90 day dispensing maximum
Physical therapy After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; limit one visit per day
Emergency dental treatment Injury due to accident: $500 maximum per accident
Sudden & unexpected pain to natural teeth - $350 maximum
Emergency medical evacuation $500,000 lifetime maximum
Emergency reunion $50,000 lifetime maximum
Return of mortal remains $50,000 maximum
Political evacuation and repatriation $10,000 lifetime maximum
Intercollegiate/interscholastic/intramural or club sports $5,000 maximum per injury or illness
Incidental trip coverage Up to a cumulative 14 days(available for non-U.S. residents only)
Terrorism $50,000 lifetime maximum
Personal Liability $10,000 combined maximum limit Injury to third person:subject to a $100 per injury deductible Damage to third person's property:subject to a $100 per damage deductible
Accidental death & dismemberment Student - $25,000 principal sum
Spouse - $10,000 principal sum
Dependent child - $5,000 principal sum
Accidental dismemberment percentage of principal sum
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
  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.
special-coverage Which are the geographic restrictions for Liaison Student Plus insurance?
Liaison Student Plus Insurance Restrictions
  • State Restrictions: The plan will not accept a mailing address in Maryland, Washington, New York, South Dakota, and Colorado.
  • Country Restrictions: The plan will not accept an address in Cuba, Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of (North Korea).
  • Destination Restrictions: The plan will not cover trips to to Antarctica, Islamic Republic of Iran, Syrian Arab Republic Cuba, and Democratic People’s Republic of Korea (North Korea).
special-coverage What is pre-certification requirements for Liaison Student Plus insurance?
Liaison Student Plus Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
  1. Outpatient surgeries or procedures;
  2. Inpatient surgeries, procedures, or stays including those for rehabilitation;
  3. Diagnostic procedures including MRI, MRA, CT, and PET Scans;
  4. Chemotherapy;
  5. Radiation therapy;
  6. Physiotherapy (must include physician’s recommendation and treatment plan); and
  7. Home infusion therapy.
To comply with the pre-certification requirements, you must:
  1. Contact Seven Corners Assist before the expense is incurred;
  2. Comply with Seven Corners Assist’s instructions;
  3. Notify all medical providers of the pre-certification requirements and ask them to cooperate with Seven Corners Assist.
Once we pre-certify your expenses, we will review them to determine if they are covered by the plan. If you do not comply with the pre-certification requirements:
  1. Eligible medical expenses will be reduced by 25%; and
  2. The deductible will be subtracted from the remaining amount; and
  3. Coinsurance will be applied.
Pre-certification does not guarantee coverage, payment, or reimbursement of expenses.

Student Health Advantage-FAQ's

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.

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Resourceful links for Student Health Advantage insurance, IMG Student Health Advantage

International Medical Group insurance, IMG travel insurance Links

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