International Medical Group (IMG) offers the Student Health Advantage Standard 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 Standard 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.
Student Health Advantage Standard is designed by IMG for students or scholars participating in a sponsored study abroad program, and who want an annually renewable medical plan. The Students health advantage student insurance plan covers pre-existing condition coverage after the first 12 months of the plan. This plan can be renewed for up to five years and spousal/dependent coverage can be accommodated. Student Health Advantage also includes mental and nervous disorder coverage as well as organized sports coverage.
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Student Health Advantage Standard insurance pays 90%. And Outside the PPO Network the plan pays 80% of eligible expenses.
The Student Health Advantage Standard cost for students ranges from $95 to $262 per month for studying in 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 $500,000 with $250 deductible
| Age of Student | Medical maximum $50,000 |
|---|---|
| Under 18 years | $95 |
| 19 – 23 years | $124 |
| 24 – 30 years | $146 |
| 31 – 40 years | $262 |
The Student health advantage Standard cost ranges from $73 to $167 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 $500,000 with $250 deductible.
For example here is the cost of Student health advantage standard insurance per month with a deductible of $250.
| Eligible medical expenses | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Hospital room and board help | Average semi-private room rate, including nursing services In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Surgery | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Intensive care unit help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Student Health Center | $5 co-pay per visit. Not subject to deductible. |
| Mental/Nervous help | Not covered if incurred in student health center; Inpatient: $10K
maximum limit; Outpatient: $50 maximum limit per day. $500 maximum limit In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Coinsurance In addition to Deductible |
In-Network: Plan pays 90%, insured pays 10% Out-Network: Plan pays 80%, insured pays 20% International: Plan pays 100%, insured pays 0% |
| Out of Pocket Maximum | In-Network: $1K Out-Network: Up to the Maximum Limit International: $0 |
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
| Physician visits help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Teladoc Consultation help | Company pays 100% within the U.S.; mental and nervous disorders not covered (Group plans only) |
| Emergency Room and Outpatient Office Visits Prescription Drugs and Medication | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Radiology / X-ray help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Laboratory help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Anesthesia help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Retail Pharmacy Prescription Drugs and Medication help | Dispensing maximum for Retail Pharmacy: 90 days per prescription In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Physical Therapy help | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Prescription Drugs and Medications help | Period of Coverage limit: $250K per person Spouse and Child: Up to the Maximum Limit ($100K) |
| Emergency local ambulance help | Up to $350 |
| Hospital emergency room help | Injury: 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. In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Interfacility ambulance transfer help | Company pays 100% |
| Emergency dental treatment help | Injury due to covered accident - $500 maximum; Sudden & unexpected pain
to natural teeth - $350 maximum In-Network: Not Covered Out-Network: 90% up to policy maximum International: 100% up to policy maximum |
| Traumatic Dental Injury | In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Emergency medical evacuation help | $500K maximum limit |
| Emergency reunion help | $50K lifetime maximum |
| Repatriation for Medical Treatment | $100K maximum limit. Not subject to deductibley |
| Return of mortal remains or cremation/burial help | $50K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial |
| Political evacuation and repatriation help | $10K lifetime maximum |
| Pre-Existing Condition help | Standard:Covered after a waiting period of 12 months Platinum: Covered after a waiting period of 6 months |
| Intercollegiate/interscholastic/intramural or club sports | $5K maximum per injury or illness |
| Incidental Emergency in the U.S. help | Up to a cumulative 14 days (available for non-U.S. residents only) In-Network: 90% up to policy maximum Out-Network: 80% up to policy maximum International: 100% up to policy maximum |
| Terrorism help | $50K maximum limit. Not subject to deductible |
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 Standard 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 Standard 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 Standard offers plan maximum up to $500k with deductible up to $250 while the Student Health Advantage Standard 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 Standard 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.
