Student Health Advantage

Comprehensive medical insurance for international students or scholars

Summary of Benefits

Standard Plan Information
 
Maximum LimitStudent- $500,000
Dependent- $100,000
Maximum Limit per Illness or InjuryStudent- $300,000
Dependent- $100,000
Deductible$100 per illness or injury
Student Health Center: $5 copay per visit
CoinsuranceOutside of the U.S.: Company pays 100%
In PPO Network or Student Health Center within the U.S.: Company pays 100%
Out of PPO Network if within the U.S.: Company pays 80% of eligible expenses up to $5,000; then 100% thereafter
Eligible Medical ExpensesAfter deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally
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
Teladoc Consultation (Groups only)Company pays 100% within the U.S.; mental and nervous disorders not covered
Hospitalization Room and BoardAverage semi-private room rate, including nursing service
Hospital Emergency Room InjuryCompany pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Not subject to emergency room deductible
Hospital Emergency Room Illness After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally. Subject to a $250 deductible for each visit that doesn’t result in a direct hospital admission
Intensive CareAfter deductible is met, company pays 80% of expenses out-of-network (U.S) or 100% in-network (U.S.) and internationally
Mental or Nervous / Substance AbuseOutpatient: $50 per day; $500 maximum limit;
Inpatient: After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally up to $10,000 maximum limit;
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 Therapy
(Medical order or treatment plan required)
After deductible is met, company pays 80% of expenses out-of-network (U.S.) or 100% in-network (U.S.) and internationally; limit one visit per day
Emergency Local Ambulance$350 per illness resulting in an inpatient hospitalization or injury
DentalNon-emergency treatment at a dental provider due to an accident - $500 period of coverage limit per injury; Unexpected pain to sound, natural teeth - $350 period of coverage limit
Interfacility Ambulance Transfer
(For services rendered in the U.S.)
Company pays 100%. Transfer must be a result of an inpatient hospital admission
Emergency Medical Evacuation$500,000 maximum limit
Emergency Reunion$50,000 maximum limit
Return of Mortal Remains$50,000 maximum limit
Political Evacuation and Repatriation$10,000 maximum limit
Intercollegiate/Interscholastic/ Intramural or Club Sports$5,000 period of coverage limit per illness or injury
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 maximum limit
Accidental Death & DismembermentStudent: $25,000 principal sum; Spouse: $10,000 principal sum; Dependent child: $5,000 principal sum Accidental dismemberment percentage of principal sum
Personal Liability
(Secondary to any other insurance)
$10,000 combined maximum limit
Injury to third person: subject to a $100 per injury deductible
Damage to third person's property: subject to a $100 per damage deductible

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, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, 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. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age Maximum Limit
Through age 49 $50,000
50-59 $30,000
60-64 $15,000

Disclaimer

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.

 

Looking for a Provider?

Search our database for medical, dental, and other care providers.

  • "Although one hopes never to use travel insurance, IMG was a godsend 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.