International Student and Scholar Insurance
All Plans on this Page Cover COVID-19 Same as any Illness
IMG Patriot Exchange Program plans meet the U.S. visa travel insurance requirements for studying abroad or participating in a cultural exchange program. This includes visa holders F1, F2, J1, J2, M1, M2 and participants on OPT. Spouses and dependent children are also eligible. Maximum medical benefit per illness, injury, or accident can be- $50,000, $100,000, $250,000, and $500,000. $50,000 does not meet the J visa requirements of the USDOS.
Each of our three products – Patriot Exchange Program, TaiAn Patriot Exchange, and TaiAn Exchange Select has a group plan available. Group plans are for five or more primary insureds. Patriot Exchange Program Group saves about 2%-4% on the cost of coverage. TaiAn Patriot Exchange, and TaiAn Exchange Select Group plans save about 10%. Patriot Exchange Program Group, TaiAn Patriot Exchange Group and TaiAn Exchange Select Group are for five or more.
Content Update 11/1/2024
A Guide to help Selecting the right plan for your needs
| Plan B (TaiAn Patriot Exchange) Most Popular |
Plan S (TaiAn Exchange Select) Lowest Cost |
PEP ( Patriot Exchange Program ) | |||||||||||||||||||||||||||||||||||||||||||||||||
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| Citizenship | Two Plans – One for Travel to the US. One for Travel to non-US destinations | Two Plans – One for Travel to the US. One for Travel to non-US destinations | Two Plans – One for Travel to the US. One for Travel to non-US destinations | ||||||||||||||||||||||||||||||||||||||||||||||||
| Insurance Provider | IMG – International Medical Group | IMG – International Medical Group | IMG – International Medical Group | ||||||||||||||||||||||||||||||||||||||||||||||||
| Medical Network Provider | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. | ||||||||||||||||||||||||||||||||||||||||||||||||
| Medical Benefits per Accident or Illness or Injury |
Options: $50,000 – not for J visa $100,000 $250,000 $500,000 |
Options: $50,000 – not for J visa $100,000 $250,000 $500,000 |
Options: $50,000 – not for J visa $100,000 $250,000 $500,000 |
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| Repatriation of Remains | $25,000 | $25,000 | $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
| Medical Evacuation | $50,000 | $50,000 | $50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
| Pre-existing conditions (Illness or Injury) | After 12 months of continuous coverage. Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
After 12 months of continuous coverage. Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
After 12 months of continuous coverage | ||||||||||||||||||||||||||||||||||||||||||||||||
| Deductible | $100 per illness $0 annual $250 annual $500 annual. Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
$100 per illness $250 annual $500 annual. Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
$100 per illness $0 per illness $250 per illness $500 per illness |
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| Student Health Center Copay | $5, no deductible | $5, no deductible | $5, no deductible | ||||||||||||||||||||||||||||||||||||||||||||||||
| Urgent Care Center | $40 copay instead of deductible. $0 copay for $0 deductible plan. | $40 copay instead of deductible. $0 copay for $0 deductible plan. | $50 copay instead of deductible. $0 copay for $0 deductible plan. | ||||||||||||||||||||||||||||||||||||||||||||||||
| Teladoc | $0 copay, no deductible. Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
$0 copay, no deductible. Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
Group Plan Only $0 copay, no deductible | ||||||||||||||||||||||||||||||||||||||||||||||||
| Coinsurance | Insurance pays 100% | Insurance pays 80% Insured pays 20% |
In US: In Network 10% to $1,000 maximum Out of Pocket; Out of Network 20%.
International: No Coinsurance |
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| Hospital Room and Board | Average semi-private room | Average semi-private room | Average semi-private room | ||||||||||||||||||||||||||||||||||||||||||||||||
| Intensive Care | URC (Usual Reasonable and Customary) | URC (Usual Reasonable and Customary) | URC (Usual Reasonable and Customary) | ||||||||||||||||||||||||||||||||||||||||||||||||
| Emergency Room | URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization | URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization | URC for injury or illness resulting in hospitalization. Additional $500 deductible for illness without hospitalization | ||||||||||||||||||||||||||||||||||||||||||||||||
| Prescription Drugs | URC with period of coverage limit of $250,000 | Inpatient In Network 80% coinsurance. Inpatient Out of Network or Outpatient 70% coinsurance. Period of coverage limit of $250,000 |
URC with period of coverage limit of $250,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
| Accident Dental | Injury $500, Sudden pain $350 | Injury $500, Sudden pain $350 | Injury $500, Sudden pain $350 | ||||||||||||||||||||||||||||||||||||||||||||||||
| Accidental Death & Loss of Limb | $25,000 | $25,000 | $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
| Sample Price $100,000 Medical Benefits $100 per illness deductible Same Price for J1, J2, F1, F2 |
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| Sample Price $100,000 Medical Benefits $500 annual deductible Same Price for J1, J2, F1, F2 |
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Lowest Cost Plan |
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| Group for 5 primary insured or more | Group Plan B 10% off | Group Plan S 10% off | Group Plan 2%-4% off | ||||||||||||||||||||||||||||||||||||||||||||||||
| Special Dependent Rates | One Child under 10 free with each Parent Purchased | One Child under 10 free with each Parent Purchased | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||
| Buy Individual or Family Plan Now | Buy Plan B TaiAn Patriot Exchange | Buy Plan S TaiAn Exchange Select | Buy Patriot Exchange Plan | ||||||||||||||||||||||||||||||||||||||||||||||||
| Individuals Join a Group for 10% Discount | Join Group for 10% Discount | Join Group for 10% Discount | N/A | ||||||||||||||||||||||||||||||||||||||||||||||||
| Buy Group Plan Now | Buy Group Plan B(TPE group) | Buy Group Plan S(TES Group) | Buy Group Patriot Exchange Plan | ||||||||||||||||||||||||||||||||||||||||||||||||
| Brochure |  |
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| More Information | IMG Patriot Exchange Program product page |
Our Patriot Exchange program offering from IMG includes three different plans. We have the IMG Patriot Exchange Program that IMG offers through all producers and to the general public. J1insurance.net/blog also has the TaiAn Patriot Exchange and the TaiAn Exchange Select Plans. These offerings add options and features not available through others. The TaiAn Exchange plans offer international student and scholar insurance with added benefits and lower premium cost.
What’s the difference between the plans?
TaiAn Patriot Exchange is our most popular plan. The TaiAn Exchange Select plan has several versions. One is our lowest cost plan that meets the USDOS standards.
The same in all the plans
- Designed specifically for exchange visitors, international scholars and students – visa types F1, F2, J1, J2, OPT. Meets all US Department of State standards.
- Medical benefits per accident, illness, or injury $50,000 (Doesn’t meet the J visa requirement), $100,000, $250,000 or $500,000.
- Repatriation of remains in the amount of $25,000;
- Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and
- Deductibles not to exceed $500 per accident or illness.
- UnitedHealthcare Options network provides access to broadest top tier national network in the US with convenient access to simplified claims processing and direct billing.
- Purchase one month minimum, renewable up to 4 years. Daily rates available so you don’t pay for parts of a month when your travel has ended.
- Inpatient and Outpatient (in the hospital or out of the hospital) Medical Benefits included:
- Hospital Room and Board up to the average Semi-private room rate
- Intensive Care up to Usual Reasonable and Customary Charges
- Physical Therapy
- Physician Visits
- Student Health Center – with $5 copay and no deductible
- Prescription Drugs
- Diagnostic Testing and Lab work
- Emergency Room with In Patient Hospital Stay
- Emergency Room without In Patient Hospital Stay – (subject to $250 additional deductible if for illness)
- Dental Injury due to a covered accident – $500 benefit
- Dental – Sudden and Unexpected Pain to natural teeth – $350 maximum
- Accidental Death and Dismemberment $25,000
Key Product Differences
TaiAn Patriot Exchange
- Most Popular plan.
- Four Deductible Options:
- $100 per illness
- $0 per year
- $250 per year (Only from TaiAn and J1insurance.net)
- $500 per year (Only from TaiAn and J1insurance.net)
- Unlimited Maximum lifetime benefit (Only from TaiAn and J1insurance.net)
- No Coinsurance – After deductible Plan covers 100% of covered charges – subject to other terms of the plan.
- Pre-existing conditions covered after 12 months of continuous coverage.
- Sample Prices $100 deductible $100,000 medical benefit for US destination:
- under 25 (including dependents) – $50.60 per month
- 25-49 – $69.32 per month
- 50-64 – $139.23 per month
- Price is the same for F1, F2, J1, J2.
- J2 visa holder or F2 visa holder can buy alone if the J1 visa holder or F1 visa holder has other coverage.
- For other benefit and deductible levels click See more details and pricing, buy now, or the brochure.
TaiAn Exchange Select
- TaiAn Exchange Select with $100,000 medical benefit per illness or injury and a $500 annual deductible is our lowest cost plan meeting US Department of State requirements for J visa holders.
- Three Deductible Options:
- $100 per illness
- $250 per year
- $500 per year
- Unlimited Maximum lifetime benefit (Only from TaiAn and J1insurance.net)
- 20% Coinsurance In UnitedHealthcare Options Network- After deductible Plan covers 80% of covered charges and insured pays 20%- subject to other terms of the plan. This makes the TaiAn Exchange Select less expensive. Coinsurance out of the Medical Provider network is 30%.
- Pre-exisiting conditions covered after 12 months of continuous coverage. There is a six month Pre-existing conditions benefit available. An excellent low cost alternative if your school requires pre-exisiting conditions to be covered after six months.
- Lowest Cost Plan Sample Prices $500 deductible $100,000 medical benefit with US Destination:
- under 25 (including dependents) – $38.31 per month
- 25-49 – $49.74 per month
- 50-64 – $106.50 per month
- Price is the same for F1, F2, J1, J2.
- J2 visa holder or F2 visa holder can buy alone if the J1 visa holder or F1 visa holder has other coverage
- For other benefit and deductible levels click See more details and pricing, buy now, or the brochure.
IMG Patriot Exchange Program
- This plan is available to US residents traveling internationally or to non-US residents traveling to the US. The TaiAn Patriot Exchange is lower priced for Non-US residents traveling to the US. The Patriot Exchange Program is lower priced for people traveling to a non-US destination.
- Sample Prices for US residents traveling worldwide $100 deductible $100,000 medical benefit:
- under 25 (including dependents) – $49.00 per month
- 25-49 – $56.00 per month
- 50-64 – $136.00 per month
- Price is the same for F1, F2, J1, J2.
- J2 visa holder or F2 visa holder can buy alone if the J1 visa holder or F1 visa holder has other coverage
- For other benefit levels click buy now or the brochure for pricing.
See more details about IMG Patriot Exchange Program
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Hello.
My son, doctor in medicine, 30 years old, has to stay for one year in Mayo Clinic in Minnesota (Rochester) to continue his specialization in urology.
My son has a motorial disability.
Can he apply to TaiAn Patriot Exchange standard short-term travel Option D, $250 deductible (per period) at $84.43 per month ?
I don’t see in any brochure/booklet the word disability …
If he can’t apply to this type of health insurance, could you let me know who ensure people with motorial disability in compliance with J1-Visa ?
Thank you
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Hi,
Thanks for your interest!
So long as your disability does not interfere with day to day normal functioning or ability to be self sufficient (the definition of Disability in the Policy), you are eligible to purchase.
Any claims related to the disability would be considered a pre-existing medical condition and would not be covered during the pre-existing conditions waiting period. Other illness or injury would would be covered.
Thanks,
J1insurance.net
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Hello.
Me and my wife are planning to spend one year at Mayo Clinic in Rochester (Minn) as research fellows.
We have a 2 years old daughter and we are currently applyng for a J1 VISA. We are interested in TaiAn Patriot Exchange PLAN B. Can we apply toghether for the TaiAn Patriot Exchange PLAN B? Does this type of Insurance plan cover the costs of a new preganncy?
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Hi,
Our plans will meet the requirements for Mayo Clinic and the US Department of State.
You can apply for Plan B as a family, or you can apply separately. Plan B does not cover maternity expenses. If you want coverage for maternity you can consider Platinum Plan A.
Details for Plan B are here:
http://www.j1insurance.net/blog/buy-j1-visa-insurance/
Details for Platinum Plan A are here:
http://www.j1insurance.net/blog/student-health-advantage/
We would be pleased to answer any other questions you have!
Thanks,
j1insurance.net
TaiAn Financial LLC
(317)318-8259
taianfinancial.com
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Hi, I have a question.
I`m from Brazil, I`m a medical doctor (28 years old) and I will be doing a one-year research fellow at MGH. I do not have any medical issue or history of illness.
Any suggestion about the best insurance fits the MHG requirements and my basic needs of medical attention (nothing specific).
Thanks,
Ronaldo
Permalink //
Hi Ronaldo,
Thanks for your interest!
Your requirements are the US Department of State requirements for J visa holders. Our Plan B (TaiAn Patriot Exchange) or Plan S (TaiAn Exchange Select) can meet all of the requirements. These are the requirements:
– $100,000 per accident & illness in medical coverage
– Deductible cannot exceed $500 per illness or injury
– Medical evacuation coverage must be at least $50,000
– Repatriation coverage must be at least $25,000
Please visit: http://www.j1insurance.net/blog/buy-j1-visa-insurance/ for more details. There is a purchase link on that webpage too.
If you do make the decision to make this purchase, any of the deductible options meet the requirements. Also, choose the maximum per accident & illness no less than $100,000.
The $250 annual deductible Plan B with a $100,000 benefit per illness or injury will cost $824.40 for a year of coverage for a 25-49 year old.
The lowest cost plan that meets the requirements is the Plan S with a $500 deductible and a $100,000 benefit per illness or accident. This one costs less because it has 20% coinsurance. A year of coverage will cost $644.52 for a 25-49 year old.
If you have questions please feel free to contact us through email or by phone.
Thank you,
j1insurance.net
taianfinancial.com
(317)318-8259
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My Son needs to traval to the US on F1 visa for a period of 18 months
His date of birth is 24 June 1998
Travel date 14 Aug 2021
Indian citizen
Need the best plan.
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We have many plans that are good for F1 visa holders. Some F1 visa holders have specific requirements for their coverage based on the school they are attending. If you’d like us to determine if this applies to you, please let us know the school name and location.
J1insurance.net/blog works with Taian to offer special plans at low premium rates. Taian Special Group provides insurance for international students with a 10% discount on premiums when compared to individual policies. All Taian Special Group Plans are good for F visa holders. Taian Patriot Exchange Plan B Group is the most popular group plan. You can choose TaiAn plan B, 0 Deductible with 10% off so that you have no deductible to pay if you have claims, or you can choose TaiAn plan B, $250 deductible with 10% off to save some more premium costs.
For the Plan B with $0 deductible you can buy for the year, and renew up to 4 years. With a 10% discount a year will cost $909.32 each adult age of 25-49 and cost $664.40 for age under 25.
For the Plan B with $250 deductible you can buy for the year (and renew up to 4 years). With a 10% discount it will cost $712.64 each adult age of 25-49 and cost $532.64 for age under 25. This is the more popular plan.
We also offer the lower cost Taian Exchange Select Group (Plan S) which lowers the cost because there is coinsurance where you pay a share of the medical claims cost.
You can register and make your payment on this website: https://www.taianfinancial.com/applications/taian-group
(This is on our partner Taian’s website)
If you have questions please email us or call us on our English customer service line at 1-317-318-8259 (English). Our service hours are 8am to 6pm (US Eastern Standard Time), 7 days a week.
Please contact us anytime if you have any other questions!
j1insurance.net/blog
TaiAn Financial LLC
(317)318-8259
taianfinancial.com
j1insurance.net/blog
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