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.
Comprehensive coverage plan with benefits per incident.
Coverage for individual or groups of two or more members and their dependents.
Student Health Advantage plan as a monthly payment option.
Co-insurance within US and Canada: In PPO or Student Health Center - Company pays 100%; Out of PPO network - Company pays 80% of the eligible expenses up to $5,000; then 100% thereafter.
Co-insurance outside US and Canada: Company pays 100%.
Optional adventure sports rider up to the age of 65 years.
Covered Medical expenses due to Intercollegiate sports up to $5,000.
International emergency care like medical evacuation, repatriation, repatriation & political evacuation.
Refund of full premium if the policy is cancelled before the effective date. If the cancellation request is received after the policy start date, you will get refund for unused months after deducting the cancellation charges.
Limited dental coverage for emergency dental pain relief and injury due to accident.
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)
Activities Covered upto lifetime maximum:
Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.
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.
Plan Benefits of Student Health Advantage Insurance
Hospital room and boardAverage semi-private room rate. Includes nursing service
Intensive careAfter deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room injuryAfter 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 hospitalizationAfter 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 admissionAfter 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 abuseOutpatient - $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 drugsInpatient - 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 therapyAfter 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 treatmentInjury 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 coverageUp 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 & dismembermentStudent - $25,000 principal sum Spouse - $10,000 principal sum Dependent child - $5,000 principal sum Accidental dismemberment percentage of principal sum
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.
Resourceful links for Student Health Advantage insurance