Student Health Advantage Insurance Reviews, IMG student insurance Reviews, IMG Student Health Advantage student insurance reviews

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

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

X Ray

$1,000

Total

$25,000

$24,000

$1,000

Advantages and disadvantages of Student Health Advantage insurance

Student Health Advantage Insurance Advantages
- Student Health Advantage Insurance Covid19 travel insurance by IMG for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
- Meets student visa requirements.
- Student Health Advantage platinum student insurance covers maternity up to $5,000 maximum limit. Benefit includes newborn routine care during the first 31 days of life.
- Student Health Advantage student insurance is available for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 Visa holders.
- Comprehensive coverage plan with benefits per incident.
- Coverage for individual or groups of two or more members and their dependents.
- Co-insurance within US or Canada: No Coinsurance for eligible expenses incurred Within PPO network or student health center. For out of PPO network, 80% of first $5000, then 100% thereafter No Coinsurance for eligible expenses incurred outside the US or Canada.
- Coverage for mental health.
- Optional adventure sports rider up to the age of 65 years.
- Covered Medical expenses due to Intercollegiate sports up to $5000.
- 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.
Student Health Advantage Insurance Disadvantages
- 12 months waiting period for Pre-existing coverage.
- Pre-certification of any claims within 48 hours is a must or else the eligible claims amount will be reduced by 50%.
- Policy can be renewed up to 12 months if plan is purchased initially for 3 months.

Important terms of Student Health Advantage Student Insurance Reviews?

Plan Maximum coverage of Student Health Advantage Student insurance:
This the maximum coverage that the plan would offer for the medical expenses. Student Health Advantage Standard offers up to $500k and Student Health Advantage Platinum offers up to $1M.
What is a deductible in Student Health Advantage Student insurance?
This is the initial amount the student needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Student Health Advantage Student insurance offer a set of deductible options for the students to choose from. Student Health Advantage Student insurance has a range of deductible options are $0, $100, $250 or $500.
What is coinsurance in Student Health Advantage Student insurance?
This is a percentage of the bill that the student has to pay. Student Health Advantage Student plan payes co-insurance in-network it pays 90%, insured pays 10%,out-network it pays 80%, insured pays 20% and for international it pays 100%, insured pays 0%.
What is a provider network of Student Health Advantage Student Medical Insurance?
It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
Renewability of Student Health Advantage Student student health insurance
Student Health Advantage Student Insurance can be renewed monthly for up to 5 years.
Student Health Advantage Student Pre-existing conditions for international students.
Student Health Advantage Standard Insurance covers pre-existing conditions after 12 months while Student Health Advantage Platinum covers pre-existing conditions after 6 months.
Underwriter and Rating of Student Health Advantage Insurance
Student Health Advantage Student Underwritten by White Mountains Insurance Group Company and rating AM Best Rating: "A-" (Excellent) and A- by Standard & poor's

Student Health Advantage Travel Insurance - Frequently asked questions

Student Health Advantage Insurance - FAQ's

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.

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.

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.

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.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

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.

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

To be eligible for Student Health Advantage 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 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:

For Standard option, the plan pays 90% of eligible medical expenses up to $1K then 100% thereafter within the UnitedHealthcare network in the US; outside the network in the US, the plan pays 80% of eligible medical expenses up to the policy maximum. The policy maximum is $500K per policy period and the deductible is $100 per injury or illness.
For Platinum option, the plan pays 100% of eligible medical expenses within the United Healthcare network in the US; outside the network in the US, the plan pays 90% of eligible medical expenses up to $5K then 100% thereafter. The policy maximum is $1M per policy period and the deductible is $25 per injury or illness