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.

IMG travel insurance coverage for Coronavirus (Covid 19)

Student Health Advantage insurance covers medical expenses for treatment of sickness from COVID-19.

Student Health Advantage insurance links

Find the best quotes for Student Health Advantage insurance plan

Please click on a premium amount to purchase that coverage type
Contact us at +1 (877) 340 7910 for other available options
Max Coverage Options
 
Standard
Coverage
$500,000
Platinum
Coverage
$1,000,000
Deductible
$25

$100

Student Health Advantage Insurance Review

Patriot America Insurance

Student Health Advantage Insurance

Insurance provider
International Medical Group
Maximum Limits options
Standard plan:
Student- $500,000; Dependent-$100,000
Platinum plan:
Student- $1,000,000; Dependent-$100,000
Co-insurance
  • Treatment outside US: Company pays 100%
  • Treatment inside US: In PPO or Student Health Center - Company pays 100%; Out of PPO network (PPO network for Student Health Advantage Insurance ) - Company pays 80% of the eligible expenses up to $5,000; then 100% thereafter.
Deductible
$100 per illness or injury
Student Health Center: $5 copay per visit
Eligibility   Student Health Advantage insurance Eligibility
  • 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.
Renewal   Student Health Advantage Renewal/Extension
  • 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.
PPO

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 of Student Health Advantage travel medical insurance plan

Benefits Coverage
Hospital room and board Average semi-private room rate. Includes nursing service
Intensive care After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room injury After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room illness resulting in hospitalization After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Emergency room illness - without inpatient admission After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; Subject to additonal $250 deductible
Mental & nervous disorders and substance abuse Outpatient - $50 per day; $500 lifetime maximum Inpatient: After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally up to $10,000 maximum limit; Student health center treatment - $0
Prescription drugs Inpatient - After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally
Outpatient- 50% of actual charges
90 day dispensing maximum
Physical therapy After deductible is met, company pays 80% of expenses out-of-network(U.S.) or 100% in-network(U.S.) and internationally; limit one visit per day
Emergency dental treatment Injury due to accident: $500 maximum per accident
Sudden & unexpected pain to natural teeth - $350 maximum
Emergency medical evacuation $500,000 lifetime maximum
Emergency reunion $50,000 lifetime maximum
Return of mortal remains $50,000 maximum
Political evacuation and repatriation $10,000 lifetime maximum
Intercollegiate/interscholastic/intramural or club sports $5,000 maximum per injury or illness
Incidental trip coverage Up to a cumulative 14 days(available for non-U.S. residents only)
Terrorism $50,000 lifetime maximum
Personal Liability $10,000 combined maximum limit Injury to third person:subject to a $100 per injury deductible Damage to third person's property:subject to a $100 per damage deductible
Accidental death & dismemberment Student - $25,000 principal sum
Spouse - $10,000 principal sum
Dependent child - $5,000 principal sum
Accidental dismemberment percentage of principal sum

Optional Riders for IMG Student Health Advantage Plan

Adventure Sports Rider covers insureds up to age 65
0-49 years - $50,000
50-59 years - $30,000
60-64 years - $15,000

International Medical Group, IMG student travel insurance Links

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About us

Student health insurance is necessary for all students in the US. We offer several student plans which satisfy the requirements of most universities. These plans are cheaper when compared to University plans.

Keep in touch

Phone: +1-(877)-340-7910

Email:

Crossborder Services LLC, Five Greentree Center, Suite 104, Route 73, Marlton, NJ 08053

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