IMG Student Health Advantage Insurance

Long-term, Worldwide Medical Insurance Coverage for Students. Student Health Advantage Insurance is a long term worldwide medical insurance for international students studying outside their home country. Student Health Advantage Insurance meets visa reqiurements, covers maternity, offers mental health coverage, covers organized sports and also covers pre-existing conditions after 6 months or 12 months based on the rider eligibility. Benefit Period is minimum 60 days. For more details of Student Health Advantage Claims Information

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Max Coverage Options

  • Applicant must be a full-time student or scholar at a college, university or educational institution
  • Applicant must be residing outside his/her home country for the purpose of pursuing international education
  • Must not have a residency status in the country they are pursuing their studies
  • Dependents have to be legal dependents traveling with the applicant outside their home country
  • Family members do not constitute a group
  • If plan is purchased for a minimum of three months, coverage may be extended up to 12 months from the initial effective date.
  • If there is no breakage in the coverage, the plan may be renewed for up to 5 years.

What's covered?

Plan Maximum
Lifetime Maximum Limit?
  • Student - $500,000
  • Dependent - $100,000
Maximum per injury/illness
  • Student - $300,000
  • Each Eligible Dependent - $100,000

  • Charges incurred outside the US or Canada: No co-insurance.
  • Charges incurred inside the US or Canada
    • Outside PPO Network: 80% of the first $5,000 of eligible charges, then 100% thereafter.
    • In PPO Network or Student Health Center: No co-insurance.

Deductible Options
  • $100 per injury/sickness
  • $5 co-pay per visit if treatment is received in Student Health Center.
Provider Network clarifications
PPO stands for Preferred Provider Organization and is a network of health care providers. Insurance companies form these in order to control the costs of health care.

Plan benefits

Emergency Medical Evacuation Up to $500,000 lifetime maximum (independent of maximum limit)
Emergency reunion $50,000 lifetime maximum
Return of mortal remains $50,000 maximum
Political Evacuation $10,000 lifetime maximum
Accidental Death and Dismemberment Student: $25,000; Dependent Spouse: $10,000
Dependent Child: $5,000;Dismemberment Levels: Scheduled
Terrorism Coverage Up to $50,000 lifetime maximum
Incidental Home Country Coverage Up to a cumulative 14 days
Pre-existing Conditions Covered after 12 months of continuous coverage
Intercollegiate /interscholastic/intramural or club sports $5,000 per Injury/Illness Medical Expenses only
Adventure Sports Rider covers insureds up to age 65
0-49 years - $50,000
50-59 years - $30,000
60-64 years - $15,000
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