Comprehensive International Student Insurance
All Plans on this Page Cover COVID-19 Same as any Illness
IMG Student Health Advantage plan is designed for individuals or groups of five or more students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.
Who the Student Health Advantage plan is designed for:
- Individual and groups of students participating in international programs
- Cultural exchange participants
- Graduate international students
- Scholars and educators
Content updated 5/2/2024
Plan Highlights:
- Standard and Platinum level benefits available
- Long-term medical coverage
- Coverage for individuals and groups and their dependents
- Coverage can be extended up to 5 years
- Freedom to seek treatment with the hospital or doctor of your choice
- 24 hour secure access from anywhere in the world to manage your account at any time
- Student Health Center $5 co-pay per visit
- Universal Rx pharmacy discount savings
- Meets student visa requirements
- Maternity coverage (on Platinum Plan Option only)
- Mental health coverage
- Organized sports coverage
- International emergency care
- Pre-existing coverage after 6 months with the Platinum option or 12 months with the Standard option
- Meets insurance requirements of the US Department of State for J visa holders.
| Student Health Advantage Standard | Student Health Advantage Platinum | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Residency | For US or Non-US Residents | For US or Non-US Residents | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Insurance Provider | IMG – International Medical Group | IMG – International Medical Group | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Medical Benefits per Accident or Illness or Injury |
$300,000 | $500,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Repatriation of Remains | $50,000 | $50,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Medical Evacuation | $500,000 | $500,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pre-existing conditions (Illness or Injury) | After 12 months of continuous coverage | After 6 months of continuous coverage | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deductible | $250 per illness | $100 per illness | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Student Health Center Copay | $5, no deductible | $5, no deductible | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Coinsurance | Outside of U.S.: no coinsurance; In US: In Network 10% to $1,000 maximum Out of Pocket; Out of Network 20%. |
Outside of U.S.: no coinsurance; In US: In Network 10% to $1,000 maximum Out of Pocket; Out of Network 20%. |
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| Hospital Room and Board | Average semi-private room | Average semi-private room | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intensive Care | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Prescription Drugs | In-patient URC, out-patient 50%. Period of coverage limit of $250,000 for primary, $100,000 Dependents | In-patient URC, out-patient 50%. Period of coverage limit of $250,000 for primary, $100,000 Dependents | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Accident Dental | Injury $500, Sudden pain $350 | Injury $500, Sudden pain $350 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Accidental Death & Loss of Limb | $25,000 | $25,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Mental Health and Substance Abuse | In-patient URC to $10,000, out-patient $50/day to $500 | In-patient URC to $10,000, out-patient $50/day to $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Maternity Coinsurance | Not Covered | Not covered – If you are pregnant before your policy is effective. No coinsurance outside of U.S. In the U.S. in PPO 20% of eligible charges. In the U.S. out of PPO 40% of eligible charges. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cost Per Month (Non-US Resident Travel to US) |
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| Cost Per Month (Travel to non-US destination) |
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| Group for 5 primary insured or more | Group A Standard about 16% off | Group A Platinum 35% off | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Buy Individual or Family Plan Now | Student Health Advantage Standard Buy Now |
Student Health Advantage Platinum Buy Now |
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| Buy Group Plan Now | Plan A Standard Buy Group |
Plan A Platinum Buy Group |
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