International Medical Group (IMG) Coronavirus Student Health Advantage provides international student health insurance for competitive sports, pre-existing conditions and maternity

IMG COVID travel insurance - Know more

IMG COVID travel insurance - Know more

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.

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Student Health Advantage Standard Plan Maximum Deductible Buy Now	Student Health Advantage Platinum Plan Maximum Deductible Buy Now
Maximum limit
Student - $500K per period of coverage; Dependent - $100K per period of coverage	Student - $1M per period of coverage; Dependent - $100K per period of coverage
Maximum per injury/sickness
Student - $300K; Dependent - $100K	Student - $500K; Dependent - $100K
Deductible options
$250 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: $100 (in PPO) & $150 (outside PPO) per injury/sickness Student health center - $5 copay per visit
Pre-Existing Condition
Covered after a waiting period of 12 months	Covered after a waiting period of 6 months
Maternity Newborn Care
No Coverage	$5K 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
Emergency local 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
Brochure Buy Online for Individual Buy Online for Group	BROCHURE Buy Online for Individual Buy Online for Group

Student Health Advantage Student Insurance

Student Health Advantage Standard Insurance:

Student Health Advantage is designed by IMG for students or scholars participating in a sponsored study abroad program, and who want an annually renewable medical plan. The Students health advantage student insurance plan covers pre-existing condition coverage after the first 12 months of the plan. This plan can be renewed for up to five years and spousal/dependent coverage can be accommodated. Student Health Advantage also includes mental and nervous disorder coverage as well as organized sports coverage.

Student Health Advantage Platinum Insurance:

Student Health Advantage Platinum by IMG provides maximum amount of coverage for students, and scholars. Building on the coverage provided by Student Health Advantage, there are two main factors that set Student Health Advantage Platinum apart from IMG’s other international student health insurance plans: maternity coverage and a six-month waiting period for pre-existing condition coverage. If either of these situations appeal to you or are required by your school’s student health waiver requirements, then Student Health Advantage Platinum is the plan for you.

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

Insurance provider
International Medical Group

Plan life^? - Up to a maximum 5 years.
Student Health Advantage can be renewed online

Policy maximum^?
Standard plan:
Student- $500K; Dependent-$100K
Platinum plan:
Student- $1M; Dependent-$100K

Deductible options^?
$100 per illness or injury
Student Health Center: $5 copay per visit

Student Health Advantage insurance rating
AM Best Rating: "A-" (Excellent) and A- by Standard & poor's

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Student Health Advantage Underwriter
Underwritten by SiriusPoint Specialty Insurance Corporation, a White Mountains Insurance Group Company.

Student Health Advantage Links

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Benefits
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Comprehensive
Comprehensive Plan
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)
Claims
Renewal
Provider Network
Optional Rider
Description documents
Student Health Advantage Description Links
View Student Health Advantage insurance description documents for different coverages:

SHA standard Worldwide coverage

SHA standard Worldwide excluding the United States

SHA Platinum Worldwide coverage

SHA standard Platinum excluding the United States

IMG's Student Health Advantage vs Patriot Exchange

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

Student Health Advantage 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 $500K and a $100K for a dependent.
The Platinum plan provides a policy maximum of $1000K and $100K for a dependent.
Deductible of $100 is applicable on this plan.
Co-insurance for this plan is not applicable for coverage outside of the US and Canada and the company pays 100%.
Co-Insurance for charges incurred within the US and Canada in the PPO network is covered 100%; for out of PPO network, 80% is covered up to $5K after which 100% is covered.
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 Plan Summary

Eligibility to buy Student Health Advantage

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.

Student Health Advantage Coinsurance^?

In- Network: Plan pays 90% and insured pays 10%
Out-of-Network: Plan pays 80% and insured pays 20%
International: Plan pays 100%

Out of Pocket Maximum:

In- Network: $1K
Out-of-Network: Up to the Maximum Limit
International: $0

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
Adventure Sports rider
Activities Covered upto lifetime maximum: Abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing.

Each and every activities are carried out in strict adherence with the instruction, best practices, and recommendations for safe practices as prescribed by a Governing Authority.

Age 0-49 years: $50K lifetime maximum

Age 50-59 years: $30K lifetime maximum

Age 60-64 years: $15K lifetime maximum

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Plan Benefits

Plan details of Student Health Advantage Insurance

In-Patient Medical Benefits

COVID-19/SARS-CoV-2 Coverage	Student Health Advantage insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Coinsurance	In-Network: Plan pays 90%, insured pays 10% Out-Network: Plan pays 80%, insured pays 20% International: Plan pays 100%, insured pays 0%
Out of Pocket Maximum	In-Network: $1K Out-Network: Up to the Maximum Limit International: $0
Eligible medical expenses	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Hospital room and board	Average semi-private room rate, including nursing services In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Surgery	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Intensive care unit	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Student Health Center	$5 co-pay per visit. Not subject to deductible.
Mental/Nervous	Not covered if incurred in student health center; Inpatient: $10K maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Out-Patient Medical Benefits

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Teladoc Consultation	Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only)
Emergency Room and Outpatient Office Visits Prescription Drugs and Medication	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Radiology / X-ray	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Laboratory	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Assistant Surgeon	20% of the primary surgeon’s eligible fee In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Anesthesia	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Retail Pharmacy Prescription Drugs and Medication	Dispensing maximum for Retail Pharmacy: 90 days per prescription In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Physical Therapy	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Prescription Drugs and Medications	Period of Coverage limit: $250K per person Spouse and Child: Up to the Maximum Limit ($100K)

Emergency Services

Emergency local ambulance	Up to $350
Hospital emergency room	Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission. In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Interfacility ambulance transfer	Company pays 100%

Dental

Emergency dental treatment	Injury due to covered accident - $500 maximum; Sudden & unexpected pain to natural teeth - $350 maximum In-Network: Not Covered Out-Network: 90% up to policy maximum International: 100% up to policy maximum
Traumatic Dental Injury	In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum

Evacuation

Emergency medical evacuation	$500K maximum limit
Emergency reunion	$50K lifetime maximum
Repatriation for Medical Treatment	$100K maximum limit. Not subject to deductibley
Return of mortal remains or cremation/burial	$50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial
Political evacuation and repatriation	$10K lifetime maximum

Pre-Existing Condition

Pre-Existing Condition	Standard:Covered after a waiting period of 12 months Platinum: Covered after a waiting period of 6 months

Life

Accidental death & dismemberment	$25K principal sum, Not subject to deductible

Other benefits

Intercollegiate/interscholastic/intramural or club sports	$5K maximum per injury or illness
Incidental Emergency in the U.S.	Up to a cumulative 14 days (available for non-U.S. residents only) In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum
Terrorism	$50K maximum limit. Not subject to deductible

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
What is pre-certification requirements for Student Health Advantage insurance?
Student Health Advantage Insurance Pre-Certification
The following expenses must always be pre-certified in the U.S. only:
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.
Conditions ofCoverage for Student Health Advantage
1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy
2. Coverage under this plan is secondary to any other coverage
3. Coverage and benefits are for medically necessary, usual, reasonable, and customary charges only
4. Charges must be administered or ordered by a physician
5. Charges must be incurred during the period of coverage or benefit period
6. Claims must be presented to IMG for payment within ninety (90) days from the date the claim was incurred.

Covid19 IMG student insurance for Coronavirus

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

Student Health Advantage Insurance - Frequently asked questions

Yes, Student Health Advantage platinum student insurance offers up to $5K 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

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Student Health Advantage

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

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

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NEED HELP?Contact our customer service team We are here to help you!

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Plan details of Student Health Advantage Insurance

Covid19 IMG student insurance for Coronavirus

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Student Health Advantage insurance blog

Student Health Advantage insurance forum

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