SHA offers comprehensive medical coverage for international students, protecting your health abroad with benefits designed for study, travel, and peace of mind.
Long-term International Students and Scholars Medical Insurance
The comprehensive IMG international student insurance plan, Student Health Advantage, is designed for international students and scholars in long-term educational programs. It’s also available for groups of five or more students or scholars. It is an annually renewable international student insurance plan that is flexible and responsive, and offers global benefits and medical assistance available 24 hours a day.
Student Health Advantage is a comprehensive plan that includes benefits for maternity care, mental health services, organized sports, and international emergency care. It provides coverage inside the USA through the UnitedHealthcare Options network and internationally through IMG’s expansive IPA network. Wherever your studies take you, this IMG international student insurance plan will make sure you have peace of mind when it comes to your health.
Student Health Advantage Highlights
passport
Meets Visa Requirements
Student Health Advantage meets all U.S. visa requirements for students, scholars, and participants in cultural exchange programs.
sports_and_outdoors
Organized Sports Coverage
The Student Health Advantage plan provides medical coverage for intercollegiate, interscholastic, intramural, and club sports.
prescriptions
Prescription Drugs Coverage
The prescription drug and medication benefit includes a per-period-of-coverage maximum limit of $250,000 for each insured student and $100,000 for dependents.
health_and_safety
Pre-Existing Conditions
The Student Health Advantage Standard plan will cover pre-existing conditions after 12 months of continuous coverage, while the Platinum plan will cover them after six months.
IMG Student Health Insurance
Secure your health while studying abroad with trusted IMG plans.
Charges arising directly or indirectly from any pre-existing condition that existed within 36 months before the effective date are excluded until the insured person has maintained 12 consecutive months of coverage under this plan.
Period of Coverage Limit: $500
Maximum Limit: $1,500
Inpatient and Outpatient
90%
80%
Prescription Drugs and Medication
Student: $250,000 per person
Dependents: Up to the maximum limit ($100,000)
90%
80%
Mental or Nervous / Substance Abuse
90%
80%
Emergency Local Ambulance
Period of coverage limit per injury or illness: $350
Emergency Medical Evacuation
Maximum Limit: $500,000
Terrorism
Maximum Limit: $50,000
Dental Treatment
Period of Coverage Limit: $350
N/A
90%
Accidental Death and Dismemberment
100% of principal sum:
Student: $25,000
Spouse: $10,000
Child: $5,000
Death must occur within 90 days of the accident.
Benefit
In-Network
Out-of-Network
International
Annual Overall Maximum
Student: $1,000,000
Dependent: $100,000
Per Illness or Injury Limit
Student: $300,000
Student: $500,000
Dependent: $100,000
Deductible
Per illness or injury
$100
$150
$25
Pre-Existing Conditions
6 month waiting period applies.
Charges arising directly or indirectly from any pre-existing condition are excluded until the insured person has maintained 6 months of continuous coverage under this plan.
Inpatient and Outpatient
90%
80%
Mental or Nervous / Substance Abuse
90%
80%
Prescription Drugs and Medication
Pimary Insured Person: $250,000 per person
Spouse and Child: Up to the maximum limit ($100,000)
Spouse and Child: Up to the maximum limit ($100,000)
80%
Emergency Local Ambulance
Period of coverage limit per injury or illness: $750
Emergency Medical Evacuation
Maximum Limit: $500,000
Terrorism
Maximum Limit: $50,000
Dental Treatment
Period of Coverage Limit: $350
N/A
90%
Accidental Death and Dismemberment
100% of principal sum:
Student: $25,000
Spouse: $10,000
Child: $5,000
Death must occur within 90 days of the accident.
Optional Adventure Sports Rider
Members who have purchased a Student Health Advantage plan also have the opportunity to purchase an optional rider, the Adventure Sports Rider, pending eligibility. The Adventure Sports Rider is available to insureds up to age 64 and covers certain activities designated as adventure sports, up to the maximum medical limit per age group (see below). A few examples of adventure sports are skiing, snowboarding, mountain biking, and rock climbing. IMG can provide a more detailed list of adventure sports upon request.
Adventure Sports Rider Rates
Age
Maximum Limit Per Injury or Illness
Through age 49
$50,000
50-59 years
$30,000
60-64 years
$15,000
Teledoc Services for Groups
IMG’s Student Health Advantage Standard and Platinum plans provide insured groups with access to a national network of board-certified doctors and pediatricians in the U.S. through Teladoc.
Teladoc is available to group members 24/7/365 if they are unable to visit their primary care physician in person. Doctors through Teladoc can help diagnose, treat, and prescribe medication for many non-emergent medical issues through phone or online video consultations.
IMG considers Teladoc as a treatment option within the United States through the PPO Network. IMG will also pay 100% of an insured group’s Teladoc service fee.
How Much Does a Student Health Advantage Plan Cost?
We have provided rates for the IMG Student Health Advantage Standard and Platinum plans below. The rate pricing tables include the daily rates for the SHA Standard and Platinum plans, excluding and including coverage in the United States.
These IMG international student insurance rates are based on age and whether the primary (student) is traveling with a spouse or dependent child.
Please note that the rates below apply to individuals traveling with a spouse or dependent child. If you are traveling with a group, please request a quote, and we will provide a group rate for you.
SHA Standard Plan Daily Rates
Coverage Excluding the US
Age
Student
Spouse
Dep. Child
31 days-18 years
$2.34
$13.83
$2.85
19-23 years
$2.61
$13.83
$2.85
24-30 years
$3.47
$15.11
$2.85
31-40 years
$5.28
$20.16
$2.85
41-50 years
$8.55
$20.63
$2.85
51-64 years
$11.46
$20.16
$2.85
Coverage Including the US
Age
Student
Spouse
Dep. Child
31 days-18 years
$3.02
$15.86
$3.78
19-23 years
$3.94
$15.86
$3.78
24-30 years
$4.64
$17.58
$3.78
31-40 years
$8.34
$23.41
$3.78
41-50 years
$13.49
$24.17
$3.78
51-64 years
$18.06
$23.41
$3.78
SHA Platinum Plan Daily Rates
Coverage Excluding the US
Age
Student
Spouse
Dep. Child
31 days-18 years
$7.03
$41.48
$7.62
19-23 years
$7.80
$41.48
$7.62
24-30 years
$10.27
$45.39
$7.62
31-40 years
$11.20
$60.46
$7.62
41-50 years
$25.27
$62.11
$7.62
51-64 years
$33.48
$60.46
$7.62
Coverage Including the US
Age
Student
Spouse
Dep. Child
31 days-18 years
$8.96
$47.72
$10.12
19-23 years
$11.77
$47.72
$10.12
24-30 years
$13.60
$52.71
$10.12
31-40 years
$24.34
$70.17
$10.12
41-50 years
$39.83
$72.51
$10.12
51-64 years
$53.18
$70.17
$10.12
IMG Student Health Insurance
Secure your health while studying abroad with trusted IMG plans.
Eligibility requirements for IMG’s Student Health Advantage plan are as follows:
You must be a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program
You must either be the spouse or dependent of a participant and residing outside your primary country of residence for a temporary period
The primary applicant must hold a J-1, M-1, F-1, or A-1 visa, and the spouse must apply with the primary applicant
You must be at least 31 days old and not yet 65 years old
You must physically and legally reside in the destination country with the intent to reside there for at least 30 days
You cannot be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
Insureds who have purchased coverage for a minimum of three months are eligible to renew their plan monthly for up to 12 continuous months. The insured must pay the premium when due and continue to meet the plan’s eligibility requirements to remain eligible for renewable coverage.
To be eligible to apply for the Student Health Advantage plan, 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 the home country to pursue international educational activities, including college coursework, research, or teaching for a temporary period.
Be physically and legally residing in the host country with the intent to reside there for at least 30 days on the effective date and at renewal
Not be hospitalized, disabled, or HIV+ on the initial effective date.
Eligible insureds whose initial coverage is at least three months can request to extend or renew their insurance plan. You may renew the coverage under the plan monthly for up to 12 months and a maximum of 60 continuous months. Also, the insured must continue to meet the eligibility requirements of Student Health Advantage, and premiums must be paid when due.
Eligible individuals listed on the Application and for whom premiums have been paid will be covered from the latest of the following dates:
The date IMG approves your completed Application and receives the appropriate premium
The date you depart from your home country
The date requested on your Application
IMG processes applications in a quick, timely manner. Once processing is complete, IMG will email the fulfillment kit to the email listed in the Application. The fulfillment kit will include an IMG Identification Card and the insurance certificate providing a complete description of the rights and benefits under the contract. You will get emailed this information for your convenience and may also access it from the IMG website.
If you do not choose Online Fulfillment, IMG will mail your fulfillment materials. This may cause delays. We recommend online fulfillment for immediate access to your coverage information.
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 Identification Card prior to admittance to a hospital, before receiving certain treatments and supplies, or performance of a surgery.
In case of an Emergency Admission, the pre-certification must be made within 48 hours of the admission, or as soon as reasonably possible.
All benefits payable under Student Health Advantage are subject to the terms and conditions in the Certificate of Insurance. To make claim processing efficient, claims for eligible medical expenses may be paid in two ways:
Eligible expenses that have been paid by or on behalf of the insured person may be reimbursed by check directly to the insured person.
Eligible expenses that have not yet been paid by the insured person may, at the option of IMG, be paid either to the insured person or directly to the provider.
The claim form can be submitted online at myimg.imglobal.com, or emailed to insurance@imglobal.com, or mailed to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. IMG may also be contacted by fax at +1 317-655-4505.
While abroad in your host country, Student Health Advantage from IMG allows you to seek medical treatment from the hospital and doctor of your choice. To help you locate providers in the country you are residing in, IMG has created International Provider Access, a database with over 17,000 providers.
Undergraduate and graduate students who hold F-1 status will be covered while on OPT if they are enrolled in an educational or cultural exchange program to receive on-the-job training for a temporary period.
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