Long-term International Students and Scholars Medical Insurance
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.
IMG Student Health Insurance
Secure your health while studying abroad with trusted IMG plans.
Student Health Advantage Highlights
Schedule of Benefits
| 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 |
In-Network: 90% Out-of-Network: 80% International: 100% |
| Teledoc Consultation (Groups only) |
|
| 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 |
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 |
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 |
|
| 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 |
In-Network: 90% Out-of-Network: 80% International: 100% |
|
Outpatient Mental or Nervous/Substance Abuse |
In-Network: 90% Out-of-Network: 80% International: 100% |
| Emergency Services | |
|
Emergency Local Ambulance |
100% |
|
Emergency Medical Evacuation |
100% |
|
Emergency Reunion |
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% |
| 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) |
|
| 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 |
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 |
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 |
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.
IMG Student Health Insurance
Secure your health while studying abroad with trusted IMG plans.
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.
IMG Student Health Insurance
Secure your health while studying abroad with trusted IMG plans.
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
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.
