International Medical Group (IMG) offers the Student Health Advantage Platinum plans which provides comprehensive international student medical insurance to students and scholars pursuing their education outside their home country. There are two plan options available standard and platinum plan. Student Health Advantage Platinum covers mental health, organized sports and pre-existing conditions. If there is no break in coverage, the plan may be renewed for up to five years.
IMG Student Health Advantage Platinum is a comprehensive benefit international student health insurance plan designed for students and scholars participating in a sponsored study abroad program. The plan offers high coverage limits, including up to $1,000,000 per coverage period, and is ideal for those seeking long-term protection, with coverage available for up to five years. Key benefits include maternity coverage, mental health services, and pre-existing condition coverage after six months of continuous enrollment.
The plan also provides emergency medical evacuation and access to the UnitedHealthcare PPO network for direct billing. It is especially well-suited for F1/F2 and J1/J2 visa holders looking for reliable and enhanced healthcare coverage throughout their academic journey abroad.
The policy maximum amount of coverage is the total dollar amount of benefits available under the Student Health Advantage Platinum plan. Once the maximum is reached, no additional benefits will be paid.
Students: up to $1,000,000 per policy period
Dependents: up to $100,000
The deductible is the amount the insured must pay before Student Health Advantage Platinum insurance starts to cover expenses.
Student Health Advantage Platinum insurance has deductible options of : $100 per illness or injury,Student Health Center: $5 copay per visit for Including US.
Excluding US has deductible of $25
The Student Health Advantage Standard cost for students ranges from $282 to $766 per month . This is dependent on the age of the student, the plan maximum and the deductible. The Student Health Advantage Standard plan offers medical maximum of $1,000,000 with $100 deductible
| Age of Student | Medical Maximum $1,000,000 |
|---|---|
| Under 18 years | $282 |
| 19 – 23 years | $371 |
| 24 – 30 years | $428 |
| 31 – 40 years | $766 |
The Student health advantage Standard cost ranges from $221 to $353 per month for per month for studying abroad outside the USA. This is dependent on the age of the student, the plan maximum and the deductible. The Student health advantage standard plan offers medical maximum of $1,000,000 with $250 deductible.
For example here we are showing cost per month with a deductible of $25.
| Intercollegiate / Interscholastic / Intramural or Club Sports help | Period of Coverage Limit per illness or injury: $5,000 In-Network: 90% Out-of-Network: 80% International: 100% |
| Dental Treatment help | Period of Coverage Limit: $350 (Treatment due to Unexpected pain to sound, natural teeth) Period of Coverage Limit per Injury: $500 (Non-emergency Treatment at a Dental Provider due to an Accident) |
| Eligible Medical Expenses | In-Network: 90% Out-of-Network: 80% International: 100% |
| Intensive Care help | In-Network: 90% Out-of-Network: 80% International: 100% |
| Maternity and Newborn Care help | Maximum Limit: $5,000 Pre-natal care, delivery of a Newborn, and post-natal care of an Insured Person, including complications Newborn routine care during the first 31 days of life |
| Hospital Emergency Room help | Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission. |
| Hospital Room and Board help | Average semi-private room rate Includes nursing, miscellaneous and Ancillary Services |
| Outpatient Surgical / Hospital Facility help | In-Network: 90% Out-of-Network: 80% International: 100% |
| Laboratory help | In-Network: 90% Out-of-Network: 80% International: 100% |
| Chemotherapy / Radiation Therapy help | In-Network: 90% Out-of-Network: 80% International: 100% |
| Pre-Admission Testing | In-Network: 90% Out-of-Network: 80% International: 100% |
| Reconstructive Surgery help | Surgery is incidental to and follows Surgery that was covered under the plan |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Anesthesia help | In-Network: 90% Out-of-Network: 80% International: 100% |
| Durable Medical Equipment help | In-Network: 90% Out-of-Network: 80% International: 100% |
| Chiropractic Care help | Medical order or Treatment plan required In-Network: 90% Out-of-Network: 80% International: 100% |
| Extended Care Facility help | Upon direct transfer from an acute care Facility In-Network: 90% Out-of-Network: 80% International: 100% |
| Home Nursing Care help | Provided by a Home Health Care Agency Upon direct transfer from an acute care Facility |
| Physician Visits help | Maximum Visits per day: 1 Surgery is not subject to the Maximum visit limit. |
| Telehealth | Groups Only Not subject to Deductible and Coinsurance Mental or Nervous Disorders are not covered Coverage for Telehealth is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during Telehealth where the Illness or Injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance |
| Traumatic Dental Injury help | Treatment at a Hospital Facility due to an Accident Additional Treatment for the same Injury rendered by a Dental Provider will be paid at 100% |
| Terrorism help | Not subject to Deductible and Coinsurance Maximum Limit: $50,000 |
| Emergency Medical Evacuation | Maximum Limit: $500,000 Must be approved in advance and coordinated by the Company |
| Emergency Local Ambulance help | Period of Coverage Limit per Injury $750 Period of Coverage Limit per Illness $750 (resulting in an Inpatient |
| Emergency Reunion help | Maximum Limit: $50,000 Maximum Days: 15 Meal Maximum per day: $25 Reasonable and necessary travel costs and accommodations Must be approved in advance by the Company |
| Interfacility Ambulance Transfer help | Up to the per Injury or Illness limit Services rendered in the United States Transfer must be a result of an Inpatient Hospital admission |
| Political Evacuation & Repatriation help | Maximum Limit: $10,000 Must be approved in advance by the Company |
| Repatriation for Medical Treatment | Maximum Benefit: $100,000. This is in addition to the plan maximum limit/per injury or illness maximum limit Approved in advance and coordinated by the Company Refer to the REPATRIATION FOR MEDICAL TREATMENT provision for further details |
| Return of Mortal Remains or Cremation/Burial help | Maximum Limit: $50,000 Local Burial / Cremation at place of death Maximum Limit: $5,000 Return of Insured Person’s Mortal Remains to Country of Residence Must be approved in advance by the Company |
| Incidental Trip | Maximum days: 14 Country of Residence is outside the United States Refer to the INCIDENTAL TRIP provision for further details |
| Accidental Death & Dismemberment help | Not subject to Deductible and Coinsurance Death must occur within 90 days of the Accident Accidental Death: 100% of Principal Sum Student: $25,000 Spouse: $10,000 Child: $5,000 |
| Personal Liability help | Secondary to any other insurance No coverage for Injury to a related Third Party or damage to related Third Person’s property Combined Maximum Limit: $10,000 Injury to Third Person: Per Injury Deductible: $100 Damage to Third Person’s property: Per damage Deductible: $100 |
| Mental/Nervous | Inpatient Mental or Nervous / Substance Abuse: Maximum Limit: $10,000 Not covered if incurred at the Student Health Center Outpatient Mental or Nervous / Substance Abuse: Maximum Limit per day: $50 Maximum Limit: $500 Not covered if incurred at the Student Health Center |
| Pre-Existing Condition help | Standard:Covered after a waiting period of 12 months Platinum: Covered after a waiting period of 6 months |
Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.
Mobile Device Protection - More Details
Bolt Device Protection - More Details
*Rider option is available in select countries on individual plans only.
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
Find Provider NetworkYes, Student Health Advantage Platinum platinum student insurance offers up to $5K maximum limit. Benefit includes new born routine care during the first 31 days of life.
Yes, 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, white-water 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.
IMG Student Health Advantage Platinum insurance plan include customization options and add-ons, including add-on coverage for high school sports ;interscholastic, intramural, or club sports, personal liability and legal assistance.
Student Health Advantage Platinum offers plan maximum up to $500k with deductible up to $250 while the Student Health Advantage Platinum Platinum offers plan maximum up to $1M with deductible up to $100.
The following expenses must always be pre-certified in the U.S. only:
Student Health Advantage Platinum Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: customercare@imglobal.com
1-800-628-4664
Mail to International Medical Group, PO Box 240429,
Apple Valley, MN 55124, USA.
