{"id":947,"date":"2016-12-29T19:04:10","date_gmt":"2016-12-29T19:04:10","guid":{"rendered":"http:\/\/www.j1insurance.net\/blog\/?p=947"},"modified":"2025-12-28T15:21:31","modified_gmt":"2025-12-28T15:21:31","slug":"student-health-advantage","status":"publish","type":"post","link":"https:\/\/www.j1insurance.net\/blog\/student-health-advantage\/","title":{"rendered":"Student Health Advantage"},"content":{"rendered":"<h2>Comprehensive International Student Insurance<\/h2>\n<h3><span style=\"color: #ff0000;\">All Plans on this Page Cover COVID-19 Same as any Illness<\/span><\/h3>\n<p>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.<\/p>\n<h3>Who the Student Health Advantage plan is designed for:<\/h3>\n<ul>\n<li>Individual and groups of students participating in international programs<\/li>\n<li>Cultural exchange participants<\/li>\n<li>Graduate international students<\/li>\n<li>Scholars and educators<\/li>\n<\/ul>\n<p>Content updated 4\/30\/2025<\/p>\n<hr class=\"simplecut\">\n<h3>Plan Highlights:<\/h3>\n<ul>\n<li>Standard and Platinum level benefits available<\/li>\n<li>Long-term medical coverage<\/li>\n<li>Coverage for individuals and groups and their dependents<\/li>\n<li>Coverage can be extended up to 5 years<\/li>\n<li>Freedom to seek treatment with the hospital or doctor of your choice<\/li>\n<li>24 hour secure access from anywhere in the world to manage your account at any time<\/li>\n<li>Student Health Center $5 co-pay per visit<\/li>\n<li>Universal Rx pharmacy discount savings<\/li>\n<li>Meets student visa requirements<\/li>\n<li>Maternity coverage (on Platinum Plan Option only)<\/li>\n<li>Mental health coverage<\/li>\n<li>Organized sports coverage<\/li>\n<li>International emergency care<\/li>\n<li>Pre-existing coverage after 6 months with the Platinum option or 12 months with the Standard option<\/li>\n<li>Meets insurance requirements of the US Department of State for J visa holders.<\/li>\n<\/ul>\n<hr class=\"stylecut\">\n<table id=\"full_scholar_content\">\n<tbody>\n<tr>\n<th><\/th>\n<th>Student Health Advantage Standard<\/th>\n<th>Student Health Advantage Platinum<\/th>\n<\/tr>\n<tr>\n<td>Residency<\/td>\n<td>For US or Non-US Residents<\/td>\n<td>For US or Non-US Residents<\/td>\n<\/tr>\n<tr>\n<td>Insurance Provider<\/td>\n<td>IMG \u2013 International Medical Group<\/td>\n<td>IMG \u2013 International Medical Group<\/td>\n<\/tr>\n<tr>\n<td>Medical Benefits per Accident<br \/>\nor Illness or Injury<\/td>\n<td>$300,000<\/td>\n<td>$500,000<\/td>\n<\/tr>\n<tr>\n<td>Repatriation of Remains<\/td>\n<td>$50,000<\/td>\n<td>$50,000<\/td>\n<\/tr>\n<tr>\n<td>Medical Evacuation<\/td>\n<td>$500,000<\/td>\n<td>$500,000<\/td>\n<\/tr>\n<tr>\n<td>Pre-existing conditions (Illness or Injury)<\/td>\n<td>After 12 months of continuous coverage<\/td>\n<td>After 6 months of continuous coverage<\/td>\n<\/tr>\n<tr>\n<td>Deductible<\/td>\n<td>$250 per illness<\/td>\n<td>$100&nbsp;per illness<\/td>\n<\/tr>\n<tr>\n<td>Student Health Center Copay<\/td>\n<td>$5, no deductible<\/td>\n<td>$5, no deductible<\/td>\n<\/tr>\n<tr>\n<td>Coinsurance<\/td>\n<td>Outside of U.S.: no coinsurance;<br \/>\nIn US: In Network 10% to $1,000 maximum Out of Pocket; Out of Network 20%.<\/td>\n<td>Outside of U.S.: no coinsurance;<br \/>\nIn US: In Network 10% to $1,000 maximum Out of Pocket; Out of Network 20%.<\/td>\n<\/tr>\n<tr>\n<td>Hospital Room and Board<\/td>\n<td>Average semi-private room<\/td>\n<td>Average semi-private room<\/td>\n<\/tr>\n<tr>\n<td>Intensive Care<\/td>\n<td>URC (Usual Reasonable and Customary)<\/td>\n<td>URC (Usual Reasonable and Customary)<\/td>\n<\/tr>\n<tr>\n<td>Emergency Room<\/td>\n<td>URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\n<td>URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\n<\/tr>\n<tr>\n<td>Prescription Drugs<\/td>\n<td>In-patient URC, out-patient 50%. Period of coverage limit of $250,000 for primary, $100,000 Dependents<\/td>\n<td>In-patient URC, out-patient 50%. Period of coverage limit of $250,000 for primary, $100,000 Dependents<\/td>\n<\/tr>\n<tr>\n<td>Accident Dental<\/td>\n<td>Injury $500, Sudden pain $350<\/td>\n<td>Injury $500, Sudden pain $350<\/td>\n<\/tr>\n<tr>\n<td>Accidental Death &amp; Loss of Limb<\/td>\n<td>$25,000<\/td>\n<td>$25,000<\/td>\n<\/tr>\n<tr>\n<td>Mental Health and Substance Abuse<\/td>\n<td>In-patient URC to $10,000, out-patient $50\/day to $500<\/td>\n<td>In-patient URC to $10,000, out-patient $50\/day to $500<\/td>\n<\/tr>\n<tr>\n<td>Maternity Coinsurance<\/td>\n<td>Not Covered<\/td>\n<td>Not covered \u2013 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.<\/td>\n<\/tr>\n<tr id=\"special_tr\">\n<td>Cost Per Month (Non-US Resident Travel to US)<\/td>\n<td>\n<table id=\"non_us_price\">\n<tbody>\n<tr>\n<th>Age<\/th>\n<th>F1\/J1<\/th>\n<th>Spouse<\/th>\n<th>Children<\/th>\n<\/tr>\n<tr>\n<td>&lt; 19<\/td>\n<td>$95.55<\/td>\n<td>$499.80<\/td>\n<td>$118.65<\/td>\n<\/tr>\n<tr>\n<td>19-23<\/td>\n<td>$123.90<\/td>\n<td>$499.80<\/td>\n<td>$118.65<\/td>\n<\/tr>\n<tr>\n<td>24-30<\/td>\n<td>$145.95<\/td>\n<td>$553.35<\/td>\n<td>$118.65<\/td>\n<\/tr>\n<tr>\n<td>31-40<\/td>\n<td>$262.50<\/td>\n<td>$737.10<\/td>\n<td>$118.65<\/td>\n<\/tr>\n<tr>\n<td>41-50<\/td>\n<td>$425.25<\/td>\n<td>$761.25<\/td>\n<td>$118.65<\/td>\n<\/tr>\n<tr>\n<td>51-64<\/td>\n<td>$569.10<\/td>\n<td>$737.10<\/td>\n<td>$118.65<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td>\n<table id=\"non_us_price\">\n<tbody>\n<tr>\n<th>Age<\/th>\n<th>F1\/J1<\/th>\n<th>Spouse<\/th>\n<th>Children<\/th>\n<\/tr>\n<tr>\n<td>&lt; 19<\/td>\n<td>$282.45<\/td>\n<td>$1503.60<\/td>\n<td>$319.20<\/td>\n<\/tr>\n<tr>\n<td>19-23<\/td>\n<td>$370.65<\/td>\n<td>$1503.60<\/td>\n<td>$319.20<\/td>\n<\/tr>\n<tr>\n<td>24-30<\/td>\n<td>$428.40<\/td>\n<td>$1660.05<\/td>\n<td>$319.20<\/td>\n<\/tr>\n<tr>\n<td>31-40<\/td>\n<td>$766.50<\/td>\n<td>$2210.25<\/td>\n<td>$319.20<\/td>\n<\/tr>\n<tr>\n<td>41-50<\/td>\n<td>$1254.75<\/td>\n<td>$2283.75<\/td>\n<td>$319.20<\/td>\n<\/tr>\n<tr>\n<td>51-64<\/td>\n<td>$1674.75<\/td>\n<td>$2210.25<\/td>\n<td>$319.20<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr id=\"special_tr\">\n<td>Cost Per Month (Travel to non-US destination)<\/td>\n<td>\n<table id=\"us_price\">\n<tbody>\n<tr>\n<th>Age<\/th>\n<th>F1\/J1<\/th>\n<th>Spouse<\/th>\n<th>Children<\/th>\n<\/tr>\n<tr>\n<td>&lt; 19<\/td>\n<td>$73.50<\/td>\n<td>$435.75<\/td>\n<td>$89.25<\/td>\n<\/tr>\n<tr>\n<td>19-23<\/td>\n<td>$81.90<\/td>\n<td>$435.75<\/td>\n<td>$89.25<\/td>\n<\/tr>\n<tr>\n<td>24-30<\/td>\n<td>$109.20<\/td>\n<td>$475.65<\/td>\n<td>$89.25<\/td>\n<\/tr>\n<tr>\n<td>31-40<\/td>\n<td>$166.95<\/td>\n<td>$635.25<\/td>\n<td>$89.25<\/td>\n<\/tr>\n<tr>\n<td>41-50<\/td>\n<td>$268.80<\/td>\n<td>$649.95<\/td>\n<td>$89.25<\/td>\n<\/tr>\n<tr>\n<td>51-64<\/td>\n<td>$361.20<\/td>\n<td>$635.25<\/td>\n<td>$89.25<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<td>\n<table id=\"us_price\">\n<tbody>\n<tr>\n<th>Age<\/th>\n<th>F1\/J1<\/th>\n<th>Spouse<\/th>\n<th>Children<\/th>\n<\/tr>\n<tr>\n<td>&lt; 19<\/td>\n<td>$221.55<\/td>\n<td>$1306.20<\/td>\n<td>$240.45<\/td>\n<\/tr>\n<tr>\n<td>19-23<\/td>\n<td>$245.70<\/td>\n<td>$1306.20<\/td>\n<td>$240.45<\/td>\n<\/tr>\n<tr>\n<td>24-30<\/td>\n<td>$323.40<\/td>\n<td>$1430.10<\/td>\n<td>$240.45<\/td>\n<\/tr>\n<tr>\n<td>31-40<\/td>\n<td>$352.80<\/td>\n<td>$1904.70<\/td>\n<td>$240.45<\/td>\n<\/tr>\n<tr>\n<td>41-50<\/td>\n<td>$795.90<\/td>\n<td>$1956.15<\/td>\n<td>$240.45<\/td>\n<\/tr>\n<tr>\n<td>51-64<\/td>\n<td>$1054.20<\/td>\n<td>$1904.70<\/td>\n<td>$240.45<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<tr>\n<td>Group for 5 primary insured or more<\/td>\n<td>Group A Standard about 16% off<\/td>\n<td>Group A Platinum 35% off<\/td>\n<\/tr>\n<tr id=\"table_buy_buttons\">\n<td>Buy Individual or Family Plan Now<\/td>\n<td>Student Health Advantage Standard<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/quote\/student_health_advantage?imgac=80000699&amp;uservar=j1blog\">Buy Now<\/a><\/td>\n<td>Student Health Advantage Platinum<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/Quote\/student_health_advantage_platinum\/pre-quote?imgac=80000699&amp;uservar=j1blog\">Buy Now<\/a><\/td>\n<\/tr>\n<tr id=\"table_buy_buttons\">\n<td>Buy Group Plan Now<\/td>\n<td>Plan A Standard<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/Quote\/student_health_advantage_group\/pre-quote?imgac=80000699&amp;uservar=j1blog\">Buy Group<\/a><\/td>\n<td>Plan A Platinum<br \/>\n<a class=\"img_buy_button\" href=\"https:\/\/purchase.imglobal.com\/Quote\/student_health_advantage_platinum_group\/pre-quote?imgac=80000699&amp;uservar=j1blog\">Buy Group<\/a><\/td>\n<\/tr>\n<tr>\n<td>Brochure<\/td>\n<td><a href=\"http:\/\/producer.imglobal.com\/ProducerDocuments.ashx?documentId=1938&amp;a=80000699\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-2515 aligncenter\" src=\"http:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage-236x300.jpg\" alt=\"IMG Student Health Advantage Brochure\" width=\"86\" height=\"109\" srcset=\"https:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage-236x300.jpg 236w, https:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage-189x240.jpg 189w, https:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage.jpg 612w\" sizes=\"auto, (max-width: 86px) 100vw, 86px\" \/><\/a><\/td>\n<td><a href=\"http:\/\/producer.imglobal.com\/ProducerDocuments.ashx?documentId=1938&amp;a=80000699\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-2515 aligncenter\" src=\"http:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage-236x300.jpg\" alt=\"IMG Student Health Advantage Brochure\" width=\"86\" height=\"109\" srcset=\"https:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage-236x300.jpg 236w, https:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage-189x240.jpg 189w, https:\/\/www.j1insurance.net\/blog\/wp-content\/uploads\/2021\/03\/IMG-Student-Health-Advantage.jpg 612w\" sizes=\"auto, (max-width: 86px) 100vw, 86px\" \/><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a id=\"long_link_button\" href=\"http:\/\/www.j1insurance.net\/blog\/img-patriot-exchange\/\">Less Expensive Exchange Plans on this page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Comprehensive International Student Insurance All Plans on this Page Cover COVID-19 Same as any Illness 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<br \/> <a href=\"https:\/\/www.j1insurance.net\/blog\/student-health-advantage\/\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[20,8,19,18,7],"tags":[],"class_list":["entry","author-steve","post-947","post","type-post","status-publish","format-standard","category-canada","category-f-visa","category-international-scholar-insurance","category-international-student-insurance","category-j-visa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Student Health Advantage - J1 Insurance - International Student Insurance<\/title>\n<meta name=\"description\" content=\"IMG Student Health Advantage meets student visa requirements. 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