Student Health Advantage

IMG Student Health Advantage plan is designed for individuals or groups of five or more students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

Who the Student Health Advantage plan is designed for:

  • Individual and groups of students participating in international programs
  • Cultural exchange participants
  • Graduate international students
  • Scholars and educators

Plan Highlights:

  • Standard and Platinum level benefits available
  • Long-term medical coverage
  • Coverage for individuals and groups and their dependents
  • Coverage can be extended up to 12 months from the initial effective date if a minimum of three months is purchased
  • Freedom to seek treatment with the hospital or doctor of your choice
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Student Health Center $5 co-pay per visit
  • Universal Rx pharmacy discount savings
  • Meets student visa requirements
  • Maternity coverage (on Platinum Plan Option only)
  • Mental health coverage
  • Organized sports coverage
  • International emergency care
  • Pre-existing coverage after 6 months with the Platinum option or 12 months with the Standard option
  • Meets insurance requirements of the US Department of State for J visa holders.

Student Health Advantage Standard Student Health Advantage Platinum
Residency For US or Non-US Residents For US or Non-US Residents
Insurance Provider IMG – International Medical Group IMG – International Medical Group
Medical Benefits per Accident
or Illness or Injury
$300,000 $500,000
Repatriation of Remains $50,000 $50,000
Medical Evacuation $500,000 $500,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage After 6 months of continuous coverage
Deductible $100 per illness $25 per illness
Student Health Center Copay $5, no deductible $5, no deductible
Coinsurance No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance. No coinsurance outside of U.S.; or in PPO within U.S. Out of PPO within U.S.: 20% of the first $5,000 of eligible charges, then no coinsurance.
Hospital Room and Board Average semi-private room Average semi-private room
Intensive Care URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary)
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Prescription Drugs In-patient URC, out-patient 50% In-patient URC, out-patient 50%
Accident Dental Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000 $25,000
Mental Health and Substance Abuse In-patient URC to $10,000, out-patient $50/day to $500 In-patient URC to $10,000, out-patient $50/day to $500
Maternity Coinsurance Not Covered Not covered – If you are pregnant before your policy is effective. No coinsurance outside of U.S. In the U.S. in PPO 20% of eligible charges. In the U.S. out of PPO 40% of eligible charges.
Cost Per Month (Non-US Resident Travel to US)
Age F1/J1 Spouse Children
< 19 $64 $336 $80
19-23 $84 $336 $80
24-30 $98 $372 $80
31-40 $176 $495 $80
41-50 $286 $511 $80
51-64 $382 $495 $80
Age F1/J1 Spouse Children
< 19 $108 $576 $122
19-23 $142 $576 $122
24-30 $164 $635 $122
31-40 $294 $847 $122
41-50 $481 $875 $122
51-64 $642 $847 $122
Cost Per Month (Travel to non-US destination)
Age F1/J1 Spouse Children
< 19 $50 $292 $60
19-23 $56 $292 $60
24-30 $74 $320 $60
31-40 $112 $426 $60
41-50 $181 $437 $60
51-64 $242 $426 $60
Age F1/J1 Spouse Children
< 19 $85 $501 $92
19-23 $94 $501 $92
24-30 $124 $548 $92
31-40 $135 $730 $92
41-50 $305 $750 $92
51-64 $404 $730 $92
Group for 5 primary insured or more Group A Standard 15% off Group A Platinum 18% off
Buy Individual or Family Plan Now Student Health Advantage Standard
Buy Now
Student Health Advantage Platinum
Buy Now
Buy Group Plan Now Plan A Standard
Buy Group
Plan A Platinum
Buy Group
Brochure International Medical Group International Medical Group

 

 

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