Student Health Advantage

Comprehensive medical insurance for international students or scholars

Summary of Benefits

Standard Plan Information
Maximum Limit

Student- $500,000 per period of coverage
Dependent- $100,000 per period of coverage

Per Illness or Injury Maximum

Student- $300,000
Dependent- $100,000


$100 per illness or injury
Student Health Center: $5 copay per visit


Outside of the U.S.: No coinsurance
In PPO Network or Student Health Center within the U.S.: No coinsurance
Out of PPO Network if within the U.S.:
80% of eligible expenses up to $5,000; then 100% thereafter

Hospital Room and Board Average semi-private room rate, including nursing service
Intensive Care URC
Emergency Room Injury URC
Emergency Room Illness resulting in hospitalization URC
Emergency Room Illness without Inpatient Admission URC; Subject to additional $250 deductible
Mental & Nervous Disorders and Substance Abuse

Outpatient- $50 per day; $500 lifetime maximum
Inpatient- URC up to $10,000 lifetime maximum
Student Health Center Treatment - $0

Prescription Drugs

Inpatient URC
Outpatient- 50% of actual charges

Physical Therapy URC- limit 1 visit per day
Local Ambulance

Per injury- up to $350
$350 per illness only if admitted as inpatient


Injury due to covered accident- $500 maximum per accident
Sudden & unexpected pain to natural teeth- $350 maximum

Eligible Medical Expenses URC
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 or illness
Incidental Trip Coverage Up to a cumulative 14 days
Pre-existing Conditions Charges excluded until after 12 months of continuous coverage
Terrorism $50,000 lifetime maximum

Student- $25,000 principal sum

Spouse- $10,000 principal sum

Dependent child- $5,000 principal sum

Accidental dismemberment percentage of principal sum

Treatment Period 60 day minimum

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. 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.

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. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.


Age Lifetime Maximum
0-49 $50,000
50-59 $30,000
60-64 $15,000


This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Please note that this insurance is not subject to, and does not provide benefits required by, ACA. On January 1, 2014, ACA requires U.S. citizens, U.S. nationals and resident-aliens to obtain ACA compliant insurance coverage unless they are exempt from ACA (international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories - teacher, trainee, work and travel, au pair, high school, etc. - are not subject to the individual mandate for 2 years out of the past six). Penalties may be imposed on persons who are required to maintain ACA compliant coverage but do not do so. Eligibility to purchase or renew this product, or its terms and conditions, may be modified or amended based upon changes to applicable law, including ACA. Please note that it is solely your responsibility to determine if ACA is applicable to you and the Company and IMG shall have no liability whatsoever, including for any penalties that you may incur, for your failure to obtain required ACA compliant coverage.


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  • "Although one hopes never to use travel insurance, IMG was a god-send throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.