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 that is available 24 hours a day.
Student Health Advantage is a robust plan that includes benefits for maternity, mental health, 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.
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 that is available 24 hours a day.
Student Health Advantage is a robust plan that includes benefits for maternity, mental health, 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.
Highlights of Student Health Advantage
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Schedule of Benefits
| Maximum Limit | Student: $500,000; Dependent: $100,000 |
| Maximum Limit per Illness or Injury | Student: $300,000; Dependent: $100,000 |
| Deductible | $100 per illness or injury; Student health center: $5 copay per visit |
| Coinsurance | Outside of the U.S.- Company pays 100%; In PPO network or student health center within the U.S.- Company pays 100%; Out of PPO network within the U.S.- Company pays 80% of eligible expenses up to $1,000; then 100% thereafter. |
| Eligible Medical Expenses | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. |
| COVID-19/SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance. |
| Teladoc Consultation (Groups only) | Company pays 100% within the U.S.; mental and nervous disorders not covered. |
| Hospitalization / Room & Board | Average semi-private room rate, including nursing and ancillary services |
| Maternity and Newborn Care | N/A |
| Hospital Emergency Room Injury | Company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Not subject to emergency room deductible |
| Hospital Emergency Room Illness | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Subject to a $250 deductible for each visit that doesn’t result in a direct hospital admission |
| Intensive Care | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally |
| Mental or Nervous/Substance Abuse | Outpatient: $50 per day; $500 maximum limit. 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 |
| Prescription Drugs and Medication | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally; $250,000 period of coverage limit for insured student and $100,000 period of coverage limit for dependents. Retail pharmacy prescription drugs and medication are paid at 50% out-of-network and international with a 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 Local Ambulance | $350 per illness resulting in an inpatient hospitalization or injury |
| Dental | Non-emergency treatment at a dental provider due to an accident - $500 period of coverage limit per injury; unexpected pain to sound, natural teeth - $350 period of coverage limit |
| Interfacility Ambulance Transfer | Company pays 100%. Transfer must be a result of an inpatient hospital admission |
| Emergency Medical Evacuation | $500,000 maximum limit |
| Emergency Reunion | $50,000 maximum limit |
| Return of Mortal Remains | $50,000 maximum limit |
| Political Evacuation and Repatriation | $10,000 maximum limit |
| Intercollegiate/Interscholastic/Intramural or Club Sports | $5,000 period of coverage limit per illness or injury |
| Incidental Trip Coverage | Up to a cumulative 14 days (available for non-U.S. residents only) |
| Pre-existing Conditions | Charges excluded until after 12 months of continuous coverage |
| Terrorism | $50,000 maximum limit |
| 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 |
| 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 |
| Maximum Limit | Student: $1,000,000; Dependent: $100,000 |
| Maximum Limit per Illness or Injury | Student: $500,000; Dependent: $100,000 |
| Deductible | For treatment received outside of the U.S.: $25 per illness or injury; For treatment received within the U.S.: PPO provider: $25 per illness or injury; non-PPO provider: $50 per illness or injury; student health center: $5 copay per visit |
| Coinsurance | Outside of the U.S.: Company pays 100%; In PPO network or student health center within the U.S.: Company pays 100%; Out of PPO network within the U.S.: Company pays 80% of eligible expenses up to $5,000; then 100% thereafter |
| Eligible Medical Expenses | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally |
| COVID-19/SARS-CoV-2 Coverage | COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to all other Terms and conditions of this insurance. |
| Teladoc Consultation (Groups only) | Company pays 100% within the U.S.; mental and nervous disorders not covered. |
| Hospitalization / Room & Board | Average semi-private room rate, including nursing and ancillary services |
| Maternity and Newborn Care | $5,000 maximum limit. Beneft includes newborn routine care during the first 31 days of life; After deductible is met, company pays 60% of eligible expenses out-of-network (U.S.), 80% in-network (U.S.) and 100% internationally |
| Hospital Emergency Room Injury | Company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Not subject to emergency room deductible |
| Hospital Emergency Room Illness | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Subject to a $250 deductible for each visit that doesn’t result in a direct hospital admission |
| Intensive Care | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally |
| Mental or Nervous/Substance Abuse | Outpatient: $50 per day; $500 maximum limit. 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 |
| Prescription Drugs and Medication | After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally; $250,000 period of coverage limit for insured student and $100,000 period of coverage limit for dependents. Retail pharmacy prescription drugs and medication are paid at 50% out-of-network and international with a 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 Local Ambulance | $750 per illness resulting in an inpatient hospitalization or injury |
| Dental | Non-emergency treatment at a dental provider due to an accident - $500 period of coverage limit per injury; unexpected pain to sound, natural teeth - $350 period of coverage limit |
| Interfacility Ambulance Transfer | Company pays 100%. Transfer must be a result of an inpatient hospital admission |
| Emergency Medical Evacuation | $500,000 maximum limit |
| Emergency Reunion | $50,000 maximum limit |
| Return of Mortal Remains | $50,000 maximum limit |
| Political Evacuation and Repatriation | $10,000 maximum limit |
| Intercollegiate/Interscholastic/Intramural or Club Sports | $5,000 period of coverage limit per illness or injury |
| Incidental Trip Coverage | Up to a cumulative 14 days (available for non-U.S. residents only) |
| Pre-existing Conditions | Charges excluded until after six months of continuous coverage |
| Terrorism | $50,000 maximum limit |
| 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 |
| 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 |
Optional Benefit - 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 through 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 | $30,000 |
| 60-64 | $15,000 |
Group Benefits Service: Teladoc
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 cannot 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 treatment inside the United States within the PPO Network. IMG will also pay 100% of an insured group's Teladoc service fee.
Ready to purchase Student Health Advantage?
Get a free quote and apply online today!
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 daily and monthly rates and rates 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.
Note that the rates below are for 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 Rates
SHA Platinum Plan Rates
Ready to purchase Student Health Advantage?
Get a free quote and apply online today!
Student Health Advantage Eligibility
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 J1, M1, F1, or A1 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 month periods. The insured must pay the premium when due and continue to meet the plan's eligibility requirements to remain eligible for renewable coverage.
Student Health Advantage FAQs
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.
Before you begin your travel, apply online.
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 precertified 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 Precertification 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.
Ready to purchase Student Health Advantage?
Get a free quote and apply online today!
