Policy maximum
$100K, 500K and $1000K
Deductible
$100
Fixed benefit plan
Cheapest options in the market definitely more affordable.
Acute onset of a pre-existing condition
Covered pre-existing condition
Renewability
Plan is renewable up to a maximum of 5 years.
PPO Network
Ideal for F1 & J1 students visa holdersholdersMaternity
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.
Traveler can get all the plan document and plan id card by using Student Health Advantage insurance login. At American Visitor Insurance, USA Travelers can contact the Student Health Advantage insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Reviews, Ratings and Experiences
The Student health advantage cost ranges from $91 to $730 per month 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 and Student health advantage standard plan offers medical maximum of $1,000,000 with $100 deductible. Both monthly and annual payment options are available.
Student Health Advantage insurance pays:
Plan excludes coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
A working example of using Student Health Advantage insurance*
Insurance coverage $300,000
Deductible $250 per certificate period
Coinsurance for claimsOut of PPO network if within U.S. - 80% of the first $5,000 of the eligible charges, then 100%
Medical expenses Claims$25,000
The insured must pay the deductible ($100) before the insurance plan pays anything. Since the policy maximum coverage is $300,000 and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($300,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Hospital Room Rent | $9,000 | $8,000 | $1,000(20% of first $5,000) |
| Surgery | $15,000 | $15,000 | $0 |
| X Ray | $1,000 | $1,000 | $0 |
| Total | $25,000 | $24,000 | $1,000 |
The Student health advantage program cost ranges from $70 to $336 per month in Outside 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 and Student health advantage standard plan offers medical maximum of $1,000,000 with $25 deductible. Both monthly and annual payment options are available.
Yes, Student Health Advantage platinum student insurance offers up to $5,000 maximum limit. Benefit includes new born routine care during the first 31 days of life.
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 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 while the Student Health Advantage Platinum offers plan maximum up to $1M with deductible up to $100.
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 Covid travel insurance by Student Health Advantage insurance will cover eligible medical expenses resulting from COVID-19.
To be eligible for Student Health Advantage student medical insurance, you must:
Student Health Advantage insurance offers a range of benefits, such as:
The amount that Student Health Advantage student medical insurance pays for COVID-19 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:
The Student health advantage insurance cost depends mainly on the following factors:
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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Frequently asked questions and answer about travel insurance.
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