• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
International Citizens Insurance
  • Home
  • Individual Plans
    ▼
    • International Health Insurance Plans
      ▼
      • Top 10 International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      ▼
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      ▼
      • Travel Medical Insurance Plans
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • Evacuation Insurance Plans
      • Trip Cancellation Insurance
      • Student Insurance
    • International Life Insurance
  • Group Plans
    ▼
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
    • Top 10 Group Health Insurance Companies
  • Insurance Companies
    ▲
    • Cigna Global Insurance Company
      ▼
      • Cigna Close Care
      • Cigna Global Health Insurance
      • Cigna Healthguard
    • GeoBlue
      ▼
      • Xplorer Health Insurance Plan
      • Navigator Student Health Insurance
      • Voyager Travel Medical Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • Integra Global
    • International Medical Group
      ▲
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • GlobalFusion Health Insurance Plan
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      ▼
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners
      ▼
      • Travel Insurance with COVID-19 Coverage
      • RoundTrip Cancellation Insurance for U.S. Residents
      • Wander Frequent Traveler Plus
    • Trawick International
      ▼
      • SafeTreker Travel Insurance Plan
    • Unisure Group
    • William Russell Insurance
      ▼
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      ▼
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    ▼
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    ▼
    • Health Insurance Plans in North and Central America
      ▼
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      ▼
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      ▼
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      ▼
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      ▼
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      ▼
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      ▼
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    ▼
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Seniors Travel Insurance
    • International Hospitals for Expatriates
      ▼
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Request a free international health care quote

Or call for a quote:
877-758-4881
+44 (20) 35450909

International Citizens Insurance

Medical and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Request a Quote
  • Home
  • Individual Plans
    • International Health Insurance Plans
      • Top 10 International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      • Travel Medical Insurance Plans
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • Evacuation Insurance Plans
      • Trip Cancellation Insurance
      • Student Insurance
    • International Life Insurance
  • Group Plans
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
    • Top 10 Group Health Insurance Companies
  • Insurance Companies
    • Cigna Global Insurance Company
      • Cigna Close Care
      • Cigna Global Health Insurance
      • Cigna Healthguard
    • GeoBlue
      • Xplorer Health Insurance Plan
      • Navigator Student Health Insurance
      • Voyager Travel Medical Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • Integra Global
    • International Medical Group
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • GlobalFusion Health Insurance Plan
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners
      • Travel Insurance with COVID-19 Coverage
      • RoundTrip Cancellation Insurance for U.S. Residents
      • Wander Frequent Traveler Plus
    • Trawick International
      • SafeTreker Travel Insurance Plan
    • Unisure Group
    • William Russell Insurance
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    • Health Insurance Plans in North and Central America
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Seniors Travel Insurance
    • International Hospitals for Expatriates
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Home > Global Insurance Companies > IMG Global > Student Health Advantage: IMG International Student Insurance

Student Health Advantage: IMG International Student Insurance

grad students studying abroad

Long-term International Students and Scholars Medical Insurance

grad students studying abroadThe 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

Meets Visa Requirements

Student Health Advantage meets all U.S. student, scholar, and cultural exchange program visa requirements.

COVID-19 Coverage

This IMG international student insurance plan covers and treats COVID-19 the same as any other illness.

Organized Sports Coverage

The Student Health Advantage plan provides medical coverage for intercollegiate, interscholastic, intramural, and club sports.

Teladoc (Groups Only)

IMG's national network of board-certified doctors and pediatricians in the U.S. are available 24/7/365 for phone or online video consultations

Prescription Drugs Coverage

The prescription drugs and medication benefit includes a per period of coverage maximum limit of $250,000 per insured student and $100,000 for dependents.

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.

Ready to purchase Student Health Advantage?

Get a free quote and apply online today!

Get Quote

Schedule of Benefits

Standard Plan

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

Platinum Plan

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.

uabb-device-laptop

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!

Get Quote

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

  • Daily Rates - Excluding the U.S.

  • Daily Rates - Including the U.S.

  • Monthly Rates - Excluding the U.S.

  • Monthly Rates - Including the U.S.

Daily Rates - Excluding the U.S.

Coverage Excluding the U.S. - Daily
Age Student Spouse Dep. Child
31 days to 18 $1.77 $10.33 $2.13
19-23 $1.97 $10.33 $2.13
24-30 $2.60 $11.30 $2.13
31-40 $3.97 $15.07 $2.13
41-50 $6.40 $15.43 $2.13
51-64 $8.57 $15.07 $2.13

Daily Rates - Including the U.S.

Coverage Including the U.S. - Daily
Age Student Spouse Dep. Child
31 days to 18 $2.27 $11.87 $2.83
19-23 $2.97 $11.87 $2.83
24-30 $3.47 $13.13 $2.83
31-40 $6.23 $17.50 $2.83
41-50 $10.10 $18.07 $2.83
51-64 $13.50 $17.50 $2.83

Monthly Rates - Excluding the U.S.

Coverage Excluding the U.S. - Monthly
Age Student Spouse Dep. Child
31 days to 18 $53 $310 $64
19-23 $59 $310 $64
24-30 $78 $339 $64
31-40 $119 $452 $64
41-50 $192 $463 $64
51-64 $257 $452 $64

Monthly Rates - Including the U.S.

Coverage Including the U.S. - Monthly
Age Student Spouse Dep. Child
31 days to 18 $68 $356 $85
19-23 $89 $356 $85
24-30 $104 $394 $85
31-40 $187 $525 $85
41-50 $303 $542 $85
51-64 $405 $525 $85

SHA Platinum Plan Rates

  • Daily Rates - Excluding the U.S.

  • Daily Rates - Including the U.S.

  • Monthly Rates - Excluding the U.S.

  • Monthly Rates - Including the U.S.

Daily Rates - Excluding the U.S.

Coverage Excluding the U.S. - Daily
Age Student Spouse Dep. Child
31 days to 18 $5.43 $31.97 $5.87
19-23 $6.00 $31.97 $5.87
24-30 $7.90 $34.97 $5.87
31-40 $8.63 $46.60 $5.87
41-50 $19.47 $47.87 $5.87
51-64 $25.80 $46.60 $5.87

Daily Rates - Including the U.S.

Coverage Including the U.S. - Monthly
Age Student Spouse Dep. Child
31 days to 18 $207 $1,103 $234
19-23 $272 $1,103 $234
24-30 $314 $1,218 $234
31-40 $563 $1,622 $234
41-50 $921 $1,676 $234
51-64 $1,229 $1,622 $234

Monthly Rates - Excluding the U.S.

Coverage Excluding the U.S. - Monthly
Age Student Spouse Dep. Child
31 days to 18 $163 $959 $176
19-23 $180 $959 $176
24-30 $237 $1,049 $176
31-40 $259 $1,398 $176
41-50 $584 $1,436 $176
51-64 $774 $1,398 $176

Monthly Rates - Including the U.S.

Coverage Including the U.S. - Monthly
Age Student Spouse Dep. Child
31 days to 18 $207 $1,103 $234
19-23 $272 $1,103 $234
24-30 $314 $1,218 $234
31-40 $563 $1,622 $234
41-50 $921 $1,676 $234
51-64 $1,229 $1,622 $234

Ready to purchase Student Health Advantage?

Get a free quote and apply online today!

Get Quote

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

How do I determine if I am eligible?

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.

Can I extend or renew my coverage?

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.

How do I enroll in the Student Health Advantage plan?

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:

  1. The date IMG approves your completed Application and receives the appropriate premium
  2. The date you depart from your home country
  3. The date requested on your Application

How will I receive my insurance documents?

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.

How are claims handled?

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:

  1. Eligible expenses that have been paid by or on behalf of the insured person may be reimbursed by check directly to the insured person.
  2. 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.

Which doctors or hospitals can I go to?

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.

Will this plan work for me while on OPT?

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!

Get Quote

More to Read:

International Students shopping for Health Insurance

Student Insurance

Read More →
J1 Student on Visa Shopping for Health Insurance

Safety Tips for Students Abroad

Read More →
Health Insurance for Expats from Finland

Patriot Exchange – Insurance for Students

Read More →
Share this

Primary Sidebar

International Medical Group

Coverage and Plan Info

  • Overview
  • Benefits
  • Rates
  • Eligibility
  • FAQs

Get a quote for the
Student Health Advantage plan.

Request a Quote

Download Brochure

Get a fast, free, expat insurance quote.

Request a Quote

Footer

Global Medical Plans

International Health Insurance
Cigna Global Health
GeoBlue Xplorer Premier
IMG Global Medical
Now Health International
William Russell

Specialty Coverage

Overseas Health Insurance
US Citizens Abroad
US Health Insurance
Senior Travel Insurance
Visitors Insurance Coverage
Schengen Visa Insurance
Annual Multi Trip

Company Info

About Us
The Team
International Brokers
Testimonials
Agents / Affiliates

Customer Service

United States 877-758-4881
US Direct 617-500-6738
International +44 (20) 35450909
US Travel Insurance Association Member International Citizens Insurance Business Review

18 Shipyard Drive, Hingham, MA 02043 USA | info@internationalinsurance.com

Contact US | Privacy Policy | Licensing | Sitemap

Copyright © 2023, International Citizens Insurance, an International Citizens Group, Inc. company


Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent.
International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries.
This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.
International Citizens Insurance is a subsidiary of International Citizens Group, Inc. In the State of California, operating as International Citizens Insurance Agency. California Non-Resident Producer License Number: 6005545.

By continuing to browse this website you are agreeing to our use of cookies.