IMG Student Health Advantage

Q: 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: 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

Long-term International Students and Scholars Medical Insurance

img student health advantage 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 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 Highlights

Meets Visa Requirements

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

Organized Sports Coverage

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

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!

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Schedule of Benefits

Please download the IMG Student Health Advantage brochure to view the schedule of benefits.

Standard Plan

Benefit	Standard Plan
Coverage Limit/Maximum Amount for Eligible Medical Expenses
Maximum Limit	Student: $500,000 Dependent: $100,000
Per Illness or Injury Limit	Student: $300,000 Dependent: $100,000
Deductible Per Illness or Injury	$250
Coinsurance for Eligible Medical Expenses
Coinsurance In addition to Deductible	In-Network: Plan pays 90%, Insured pays 10% Out-of-Network: Plan pays 80%, Insured pays 20% International: Plan pays 100%
Out of Pocket Maximum	In-Network: $1,000 Out-of-Network: Up to the Maximum Limit International: $0
Pre-Certification
Interfacility Ambulance Transfer, Emergency Medical Evacuation	No coverage if Pre-Certification requirements are not met.
All Other Treatments & Supplies	50% reduction of Eligible Medical Expenses if Pre-Certification requirements are not met.
Pre-Existing Conditions
Charges resulting directly or indirectly from or relating to any Pre-Existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.
Student Health Center
Copayment per visit Not subject to the per Illness or Injury Deductible	$5
Coinsurance	Plan pays 100%
Inpatient/Outpatient Benefits
Eligible Medical Expenses	In-Network: 90% Out-of-Network: 80% International: 100%
Physician Visits/Services Maximum visits per day: 1	In-Network: 90% Out-of-Network: 80% International: 100%
Hospital Emergency Room Injury: Not subject to Emergency Room deductible. Illness: Subject to a $250 deductible for each Emergency Room visit for treatment that does not result in a direct Hospital admission.	In-Network: 90% Out-of-Network: 80% International: 100%
Teledoc Consultation (Groups only)	Not subject to Deductible and Coinsurance Mental or Nervous Disorders are not covered
Hospitalization/Room & Board	In-Network: 90% Out-of-Network: 80% International: 100%
Intensive Care	In-Network: 90% Out-of-Network: 80% International: 100%
Outpatient Surgical/Hospital Facility	In-Network: 90% Out-of-Network: 80% International: 100%
Outpatient Surgical/Hospital Facility	In-Network: 90% Out-of-Network: 80% International: 100%
Laboratory	In-Network: 90% Out-of-Network: 80% International: 100%
Radiology/X-ray	In-Network: 90% Out-of-Network: 80% International: 100%
Chemotherapy/Radiation Therapy	In-Network: 90% Out-of-Network: 80% International: 100%
Pre-Admission Testing	In-Network: 90% Out-of-Network: 80% International: 100%
Surgery	In-Network: 90% Out-of-Network: 80% International: 100%
Reconstructive Surgery Surgery is incidental to and follows Surgery that was covered under the plan.	In-Network: 90% Out-of-Network: 80% International: 100%
Assistant Surgeon 20% of the primary surgeon’s eligible fee.	In-Network: 90% Out-of-Network: 80% International: 100%
Anesthesia	In-Network: 90% Out-of-Network: 80% International: 100%
Durable Medical Equipment	In-Network: 90% Out-of-Network: 80% International: 100%
Chiropractic Care Medical order or Treatment plan required.	In-Network: 90% Out-of-Network: 80% International: 100%
Physical Therapy Maximum Visits per day: 1 Medical order or Treatment plan required	In-Network: 90% Out-of-Network: 80% International: 100%
Extended Care Facility Upon direct transfer from an acute care Hospital	In-Network: 90% Out-of-Network: 80% International: 100%
Home Nursing Care Provided Py a Home Health Care Agency Upon direct transfer from an acute care Hospital	In-Network: 90% Out-of-Network: 80% International: 100%
Prescription Drugs and Medication The following Prescription Drugs and Medication Period of Coverage limit accumulates toward the Maximum Limit.
Period of Coverage Limit	Student: $250,000 per person Dependents: Up to the Maximum Limit ($100,000)
Inpatient and Outpatient Surgery Prescription Drugs and Medication	In-Network: 90% Out-of-Network: 80% International: 100%
Emergency Room and Outpatient Office Visits Prescription Drugs and Medication	In-Network: 90% Out-of-Network: 80% International: 100%
Retail Pharmacy Prescription Drugs and Medication Dispensing maximum for Retail Pharmacy: 90 days per prescription	In-Network: N/A Out-of-Network: 50% International: 50%
Mental or Nervous/Substance Abuse
Inpatient Mental or Nervous/Substance Abuse Maximum Limit: $10,000 Not covered if incurred at the Student Health Center	In-Network: 90% Out-of-Network: 80% International: 100%
Outpatient Mental or Nervous/Substance Abuse Maximum Limit per day: $50 Maximum Limit: $500 Not covered if incurred at the Student Health Center	In-Network: 90% Out-of-Network: 80% International: 100%
Emergency Services
Emergency Local Ambulance Period of Coverage Limit per Injury $350 Period of Coverage Limit per Illness $350 (resulting in an Inpatient Hospitalization)	100%
Emergency Medical Evacuation Maximum Limit: $500,000 Must be approved in advance and coordinated by the Company	100%
Emergency Reunion Maximum Limit: $50,000 Maximum Days: 15 Meal Maximum per day: $25 Reasonable and necessary travel costs and accommodations Must be approved in advance by the Company	100%
Interfacility Ambulance Transfer	100%
Political Evacuation and Repatriation Maximum Limit: $10,000	100%
Repatriation for Medical Treatment Maximum Benefit: $100,000	100%
Return of Mortal Remains Maximum Limit: $50,000	100%

Platinum Plan

Benefit	Platinum Plan
Coverage Limit/Maximum Amount for Eligible Medical Expenses
Maximum Limit	Student: $1,000,000 Dependent: $100,000
Per Illness or Injury limit	Student: $500,000 Dependent: $100,000
Coinsurance for Eligible Medical Expenses
Coinsurance In addition to Deductible	In-Network: Plan pays 90%; Insured pays 10% Out-of-Network: Plan pays 80%; Insured pays 20% International: Plan pays 100%
Out of Pocket Maximum	In-Network: $1,000 Out-of-Network: Up to the maximum limit International: $0
Pre-Certification
Interfacility Ambulance Transfer/Emergency Medical Evacuation	No coverage if Pre-certification requirements are not met
Maternity	50% reduction of Eligible Medical Expenses if pre-certification requirements are not met
All other Treatments & Supplies	50% reduction of Eligible Medical Expenses if pre-certification requirements are not met
Pre-Existing Conditions
Charges resulting directly or indirectly from or relating to any pre-existing condition are excluded until the Insured Person has maintained 6 months of continuous coverage under this insurance.
Student Health Center
Copayment per visit	$5
Coinsurance	Plan pays 100%
Inpatient/Outpatient Benefits
Eligible Medical Expenses	In-Network: 90% Out-of-Network: 80% International: 100%
Physician Visits/Services Maximum Visits per day: 1	In-Network: 90% Out-of-Network: 80% International: 100%
Teledoc Consultation (Groups Only)	Not subject to Deductible and Coinsurance Mental or Nervous Disorders are not covered
Hospital Emergency Room	In-Network: 90% Out-of-Network: 80% International: 100%
Hospitalization/Room & Board	In-Network: 90% Out-of-Network: 80% International: 100%
Intensive Care	In-Network: 90% Out-of-Network: 80% International: 100%
Outpatient Surgical/Hospital Facility	In-Network: 90% Out-of-Network: 80% International: 100%
Laboratory	In-Network: 90% Out-of-Network: 80% International: 100%
Radiology/X-ray	In-Network: 90% Out-of-Network: 80% International: 100%
Chemotherapy/Radiation Therapy	In-Network: 90% Out-of-Network: 80% International: 100%
Pre-Admission Testing	In-Network: 90% Out-of-Network: 80% International: 100%
Surgery	In-Network: 90% Out-of-Network: 80% International: 100%
Reconstructive Surgery	In-Network: 90% Out-of-Network: 80% International: 100%
Assistant Surgeon	In-Network: 90% Out-of-Network: 80% International: 100%
Anesthesia	In-Network: 90% Out-of-Network: 80% International: 100%
Maternity and Newborn Care Maximum Limit: $5,000 Newborn routine care during the first 31 days of life	In-Network: 80% Out-of-Network: 60% International: 100%
Durable Medical Equipment	In-Network: 90% Out-of-Network: 80% International: 100%
Chiropractic Care	In-Network: 90% Out-of-Network: 80% International: 100%
Physical Therapy	In-Network: 90% Out-of-Network: 80% International: 100%
Extended Care Facility	In-Network: 90% Out-of-Network: 80% International: 100%
Home Nursing Care Provided Py a Home Health Care Agency	In-Network: 90% Out-of-Network: 80% International: 100%
Prescription Drugs and Medication The following Prescription Drugs and Medication Period of Coverage limit accumulates toward the Maximum Limit.
Period of Coverage limit	Primary Insured Person: $250,000 per person Spouse and Child: Up to the Maximum Limit ($100,000)
Inpatient and Outpatient Surgery Prescription Drugs and Medication	In-Network: 90% Out-of-Network: 80% International: 100%
Emergency Room and Outpatient Office Visits Prescription Drugs and Medication	In-Network: 90% Out-of-Network: 80% International: 100%
Retail Pharmacy Prescription Drugs and Medication Dispensing maximum for Retail Pharmacy: 90 days per prescription	In-Network: N/A Out-of-Network: 50% International: 50%
Mental or Nervous/Substance Abuse
Inpatient Mental or Nervous/Substance Abuse Maximum Limit: $10,000	In-Network: 90% Out-of-Network: 80% International: 100%
Outpatient Mental or Nervous/Substance Abuse Maximum Limit per day: $50 Maximum Limit: $500	In-Network: 90% Out-of-Network: 80% International: 100%
Emergency Services
Emergency Local Ambulance Period of Coverage Limit per Injury $750	100%
Emergency Medical Evacuation Maximum Limit: $500,000	100%
Emergency Reunion Maximum Limit: $50,000 Maximum Days: 15 Meal Maximum per day: $25	100%
Interfacility Ambulance Transfer	100%
Political Evacuation and Repatriation Maximum Limit: $10,000	100%
Repatriation for Medical Treatment Maximum Benefit: $100,000	100%
Return of Mortal Remains Maximum Limit: $50,000	100%

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!

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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.

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 Daily Rates

Age
	Coverage Excluding the U.S.
	Student	Spouse	Dep Child
31 days - 18 years	$2.34	$13.83	$2.85
19-23	$2.61	$13.83	$2.85
24-30	$3.47	$15.11	$2.85
31-40	$5.28	$20.16	$2.85
41-50	$8.55	$20.63	$2.85
51-64	$11.46	$20.16	$2.85

Rates were last updated on April 22, 2024.

Age
	Coverage Including the U.S.
	Student	Spouse	Dep Child
31 days - 18 years	$3.02	$15.86	$3.78
19-23	$3.94	$15.86	$3.78
24-30	$4.64	$17.58	$3.78
31-40	$8.34	$23.41	$3.78
41-50	$13.49	$24.17	$3.78
51-64	$18.06	$23.41	$3.78

Rates were last updated on April 22, 2024.

SHA Platinum Plan Daily Rates

Age
	Coverage Excluding the U.S.
	Student	Spouse	Dep Child
31 days - 18 years	$7.03	$41.48	$7.62
19-23	$7.80	$41.48	$7.62
24-30	$10.27	$45.39	$7.62
31-40	$11.20	$60.46	$7.62
41-50	$25.27	$62.11	$7.62
51-64	$33.48	$60.46	$7.62

Rates were last updated on April 22, 2024.

Age
	Coverage Including the U.S.
	Student	Spouse	Dep Child
31 days - 18 years	$8.96	$47.72	$10.12
19-23	$11.77	$47.72	$10.12
24-30	$13.60	$52.71	$10.12
31-40	$24.34	$70.17	$10.12
41-50	$39.83	$72.51	$10.12
51-64	$53.18	$70.17	$10.12

Rates were last updated on April 22, 2024.

Ready to purchase Student Health Advantage?

Get a free quote and apply online today!

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Eligibility Requirements for the Student Health Advantage Plan

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.

If you need insurance for a J-1 Visa, we have some additional options.

FAQs about Student Health Advantage

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:

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

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:

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.

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!

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Student Health Advantage