Student Health Advantage insurance reviews

Comprehensive medical insurance for international students or scholars

Student Health Advantage Insurance Cost

Age & Citizenship
Destinations
Start Date
End date

Key benefits of Student Health Advantage Insurance

Ideal for J1/J2 Visa, F1/F2 Visa, M1/M2 or A1/A2 visa holders

Maternity coverage

COVID-19 covered

Pre-existing conditions

PPO network

renewable up to 5 years

Student Health Advantage Insurance Review

Policy maximum
  • Standard plan: Student: $500k Dependent $100k
  • Platinum plan:Student: $5M Dependent $100k
Deductible options
  • Standard plan: Platinum plan: $100k
Insurance provider
International Medical Group
Student Health Advantage rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's
Student Health Advantage underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.
Plan life -Up to a maximum 5 years.
Student Health Advantage can be renewed online
Coinsurance of IMG Student Health Advantage
In Network - The plan pays 90% of $1,000 then 100% up to the policy maximum
90%
Out of Network
80%

The plan pays 80% up to the policy maximum.

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International Student Health Advantage Links

  • Brochure
  • Advantages
  • Disadvantages
  • Claims
  • Renewal
  • Provider network
  • Comprehensive

Student Health Advantage student 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 pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US.
  • Co-Insurance for Outside the US, the plan covers 100% up to the policy maximum after the deductible.
  • 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 Insurance for international students in USA

  • This plan is a long term worldwide medical insurance.
  • Designed to specifically meet the needs of international students.
  • Provides lifetime maximum of $500,000.
  • It covers competitive sports upto $5,000 maximum per injury/illness.
View complete details of benefits

A working example of using Student Health Advantage insurance *

Let us take an example: The medical bill is $25,000, Deductible is $250 and choosen Policy Maximum is $300,000
  • Insurance coverage is $300,000
  • Deductible is $250 per certificate period
  • Co-Insurance : Out of PPO network if within U.S. - 80% of the first $5,000 of the eligible charges, then 100%.
  • Total medical expenses is $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
*Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.

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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 for this plan pays 90% of first $1,000 then 100% up to the policy maximum after the deductible within the provider network in the US, and the plan pays 80% up to the policy maximum in outside the network in the US.
    • Co-Insurance for Outside the US, the plan covers 100% up to the policy maximum after the deductible.
    • 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.
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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

01. Does Student Health Advantage covers Maternity ?

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.

02. What is IMG Student Health Advantage Insurance?

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.

03. Student Health Advantage Insurance will cover Adventure Sports?

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.

04. Do this Student Health Advantage plan cover sports-related illness or injuries?

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.

05. What are the coverage limits of Student Health Advantage Insurance?

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.

06. 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.

07. 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.

08. 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.

09. Does Student Health Advantage Insurance cover covid illness?

IMG Covid travel insurance by Student Health Advantage insurance will cover eligible medical expenses resulting from COVID-19.

10. 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.

11. 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.

12. 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.

13. 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.

14. Who is eligible for Student Health Advantage student medical insurance by IMG?

To be eligible for Student Health Advantage student medical 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

15. What are the benefits of Student Health Advantage student health insurance?

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

15. How much does Student Health Advantage student medical pay for COVID-19 expenses?

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
16. How much does Student health advantage cost?

The Student health advantage insurance cost depends mainly on the following factors:

  • The type of plan chosen (individual or group)
  • The policy maximum chosen (the maximum amount the plan will pay per injury or illness)
  • The deductible chosen (the amount you have to pay before the plan pays)
  • The age and health status of the insured person
  • The duration and location of your program
Student Health Advantage

Student Health Advantage - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

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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Student Health Advantage Insurance Restrictions

Student Health Advantage is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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