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Home > Global Insurance Companies > IMG Global > Student Health Advantage Plan > Student Health Advantage Benefits

Student Health Advantage Benefits

Summary of Benefits – Standard Plan

 

Maximum LimitStudent – $500,000 per period of coverage
Dependent – $100,000 per period of coverage
Per Illness/Injury MaximumStudent – $300,000
Dependent – $100,000
Deductible$100 per illness/injury
Student Health Center: $5 copay per visit
CoinsuranceOutside the US & Canada: Company pays 100%
In PPO Network or Student Health Center within U.S. or Canada: No coinsurance
Out of PPO Network if within U.S. or Canada: 80% of eligible expenses up to $5,000; then 100% thereafter
COVID-19/SARS-CoV-2 CoverageCOVID-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
Hospital Room and BoardAverage semi-private room rate, including nursing service
Intensive CareURC (Usual, Reasonable, Customary)
Emergency Room InjuryURC
Emergency Room Illness resulting in hospitalizationURC
Emergency Room Illness without In-patient AdmissionURC; Subject to additional $250 deductible
Mental & Nervous Disorders and Substance AbuseOut-patient – $50 per day; $500 lifetime maximum
In-patient – URC up to $10,000 lifetime maximum
Student Health Center Treatment – $0
Prescription DrugsAfter 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 TherapyURC – limit 1 visit per day
Teladoc Consultation (Groups only)Company pays 100% within the U.S.; mental and nervous disorders not covered
Local AmbulancePer Injury – up to $350
$350 per illness only if admitted as In-patient
DentalInjury due to a covered accident – $500 maximum per accident
Sudden & Unexpected Pain to natural teeth – $350 maximum
Eligible Medical ExpensesURC
Emergency Medical Evacuation$500,000 lifetime maximum
Emergency Reunion$50,000 lifetime maximum
Return of Mortal Remains$50,000 maximum
Political Evacuation and Repatriation$10,000 lifetime maximum
Intercollegiate/Interscholastic/Intramural or Club Sports$5,000 maximum per Injury/Illness
Incidental Trip CoverageUp to a cumulative 14 days (available for non-U.S. residents only)
Pre-existing ConditionsCharges excluded until after 12 months of continuous coverage
Terrorism$50,000 lifetime maximum
AD&DStudent – $25,000 principal sum
Spouse – $10,000 principal sum
Dependent Child – $5,000 principal sum
Accidental Dismemberment percentage of the principal sum
Personal Liability
(Secondary to any other insurance)
$10,000 combined maximum limit

Injury to third person’s property: subject to a $100 per damage deductible

Damage to third person’s property: subject to a $100 per damage deductible

Treatment Period60-day minimum

Summary of Benefits – Platinum Plan

Maximum LimitStudent – $1,000,000 per period of coverage
Dependent – $100,000 per period of coverage
Per Illness/Injury MaximumStudent- $500,000
Dependent- $100,000
DeductibleFor treatment received outside the US & Canada: $25 per illness or injury
For treatment received inside the U.S./Canada: PPO Provider: $25 per illness or injury
Non-PPO Provider: $50 per illness or injury
Student Health Center: $5 copay per visit
CoinsuranceOutside the US & Canada: No coinsurance
In PPO Network or Student Health Center within U.S. or Canada: No coinsurance
Out of PPO Network if within U.S. or Canada: 80% of eligible expenses up to $5,000; then 100% thereafter
COVID-19/SARS-CoV-2 CoverageCOVID-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
Hospital Room and BoardAverage semi-private room rate, including nursing service
Intensive CareURC
Maternity$5,000 maximum limit. The benefit includes newborn routine care during the first 31 days of life after the deductible is met, the company pays 60% of eligible expenses out-of-network (U.S.), 80% in-network (U.S.) and 100% internationally
Routine Newborn Care$750 maximum per period of coverage
Emergency Room InjuryURC
Emergency Room Illness resulting in hospitalizationURC
Emergency Room Illness without In-patient AdmissionURC; Subject to additional $250 deductible
Mental & Nervous Disorders and Substance AbuseOut-patient – $50 per day; $500 lifetime maximum
In-patient – URC up to $10,000 lifetime maximum
Student Health Center Treatment – $0
Prescription DrugsAfter 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 TherapyURC – limit 1 visit per day
Teladoc Consultation (Groups only)Company pays 100% within the U.S.; mental and nervous disorders not covered
Local AmbulancePer Injury – up to $750
$750 per illness only if admitted as In-patient
DentalInjury due to a covered accident – $500 maximum per accident
Sudden & Unexpected Pain to natural teeth – $350 maximum
Eligible Medical ExpensesURC
Emergency Medical Evacuation$500,000 lifetime maximum
Emergency Reunion$50,000 lifetime maximum
Return of Mortal Remains$50,000 maximum
Political Evacuation and Repatriation$10,000 lifetime maximum
Intercollegiate/Interscholastic/Intramural or Club Sports$5,000 maximum per Injury/Illness
Incidental Trip CoverageUp to a cumulative 14 days (available for non-U.S. residents only)
Pre-existing ConditionsCharges excluded until after 6 months of continuous coverage
Terrorism$50,000 lifetime maximum
AD&DStudent – $25,000 principal sum
Spouse – $10,000 principal sum
Dependent Child – $5,000 principal sum
Accidental Dismemberment percentage of the principal sum
Personal Liability
(Secondary to any other insurance)
$10,000 combined maximum limit

Injury to third person’s property: subject to a $100 per damage deductible

Damage to third person’s property: subject to a $100 per damage deductible

Treatment Period60-day minimum

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. All such activities must be carried out in strict accordance with the rules, regulations, and guidelines of the applicable Governing Body or Authority of each such activity. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snowmobiling, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

Age / Maximum Limit

  • Through age 49 / $50,000
  • 50-59 / $30,000
  • 60-64 / $15,000

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in the fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.

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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.

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