Long-term, worldwide medical insurance for Individual/Family or group of two or more international students.
As a global student, assurance and peace of mind are a priority when you study abroad. That's why IMG has developed Student Health Advantage, an international health care plan designed to specifically meet the needs of international students involved in long-term educational programs. The plan offers a complete package of international benefits available 24 hours a day.
The following conditions apply to all persons applying for and/or enrolling in Student Health Advantage:
- The individual or group member must be a full-time student or scholar at a college, university or educational institution.
- The individual or group member must be residing outside his/her home country for the purpose of pursuing international, educational activities including but not limited to college course work, conducting research or teaching for a temporary period of time.
- Must not have obtained residency status in Host Country.
- Dependents have to be legal dependents, traveling with the individual applicant or group member and traveling outside their home country.
- Family members do not constitute a group.
Obtaining coverage is as simple as:
- Filling out the Enrollment Form with the information requested.
- Mailing or faxing the above information to your independent agent or IMG.
The Experienced Plan Administrator:
Since 1990, International Medical Group has provided a unique, full-service approach to insurance coverage. Dedicated exclusively to international insurance market, IMG provides coverage services to individuals and families in more than 150 countries. Medical treatment while traveling is often an unfortunate fact of life. Our goal is to make the medical process a smooth and efficient one. IMG's multilingual claims administrators, on-site medical staff and customer service professionals work together to ensure that you medical needs are met. We process as many as 100,000 claims each year from countries throughout the world, and can confidently handle virtually any language or currency.
To give you true Global Peace of Mind, IMG representatives are available 24 hours a day, seven days a week, 365 days a year for medical emergencies, evacuations and
precertification's. Our customer service is routinely rated among the highest in the industry. You can rest assured that IMG will be there for you, whether it be for routine treatment or during a medical emergency.
All the deductible and all the policy maximum plan options available
Student Health Advantage
An international health care plan designed to specifically meet the needs of
international students involved in long-term educational programs.
All premium rates are in U.S. dollars. Rates include 2.5% surplus lines tax. A dependent child is your
child shown on the Application Form over 14 days and under 19 years of age,
traveling with the group as a dependent of a group member, and for whom premium
has been paid.
U.S. Citizens - Monthly Rates - Individual international students.
| Age |
Student |
Spouse |
Dep. Child |
| Under 19 |
$57 |
$335 |
$62 |
| 19-23 |
$63 |
$335 |
$62 |
| 24-30 |
$83 |
$367 |
$62 |
| 31-40 |
$125 |
$489 |
$62 |
| 41-50 |
$204 |
$502 |
$62 |
| 51-64 |
$271 |
$489 |
$62 |
Non-U.S. Citizens - Monthly Rates
| Age |
Student |
Spouse |
Dep. Child |
| Under 19 |
$72 |
$386 |
$82 |
| 19-23 |
$95 |
$386 |
$82 |
| 24-30 |
$110 |
$426 |
$82 |
| 31-40 |
$197 |
$567 |
$82 |
| 41-50 |
$322 |
$586 |
$82 |
| 51-64 |
$430 |
$567 |
$82 |
Student Health Advantage
An international health care plan designed to specifically meet the needs of international students involved
in long-term educational programs.
All premium rates are in U.S. dollars. Rates include 2.5% surplus
lines tax. A dependent child is your child shown on the Application Form over 14 days and under 19 years of age,
traveling with the group as a dependent of a group member, and for whom premium has been paid.
U.S. Citizens - Monthly Rates - Groups of two or more international students.
| Age |
Student |
Spouse |
Dep. Child |
| Under 19 |
$51 |
$300 |
$56 |
| 19-23 |
$56 |
$300 |
$56 |
| 24-30 |
$74 |
$327 |
$56 |
| 31-40 |
$112 |
$437 |
$56 |
| 41-50 |
$182 |
$449 |
$56 |
| 51-64 |
$242 |
$437 |
$56 |
Non-U.S. Citizens - Monthly Rates
| Age |
Student |
Spouse |
Dep. Child |
| Under 19 |
$64 |
$345 |
$73 |
| 19-23 |
$85 |
$345 |
$73 |
| 24-30 |
$98 |
$380 |
$73 |
| 31-40 |
$176 |
$506 |
$73 |
| 41-50 |
$288 |
$523 |
$73 |
| 51-64 |
$384 |
$506 |
$73 |
Benefits:
| SCHEDULE OF BENEFITS |
| (All amounts listed are in U.S. dollars. URC - Usual, Reasonable, Customary) |
|
|
| PLAN INFORMATION |
| Lifetime Maximum |
|
| Student |
$500,000 |
| Dependent |
$50,000 |
|
| Per Illness/Injury Maximum |
|
| Student |
$300,000 |
| Each eligible dependent |
$50,000 |
|
| Deductible |
|
| $100 per Illness/Injury |
| $50 per Illness/Injury if Treatment received in Student Health Center |
|
| Coinsurance |
|
Charges incurred outside the U.S.: 100% of eligible expenses
Charges incurred within the U.S.:
In PPO network or Student Health Center: 100% of eligible expenses
Out of PPO network: 80% of the first $5,000 of eligible charges, then 100% thereafter |
|
| Medical Benefits |
| Hospital Room & Board |
Average semi-private room |
|
| Intensive Care |
URC |
|
| Maternity |
URC following 10 month waiting period up to policy maximum |
| Subject to a waiting period for the first 10 months of coverage, the plan provides coverage
for maternity the same as any illness. Routine nursery care of newborns is also subject to the maximum limit. |
|
| Routine Nursery Care |
$750 maximum per certificate period |
|
| Emergency Room |
|
| Injury |
URC |
| Illness resulting in hospitalization |
URC |
| No hospitalization |
Subject to additional $250 deductible |
|
| Mental Health (Includes alcohol and substance abuse, Treatment at Student Health Center is not eligible) |
| Outpatient |
$50 per day
$500 lifetime maximum |
| Inpatient |
URC to $10,000 lifetime maximum |
|
| Prescription Drugs |
|
| Inpatient |
URC |
| Outpatient |
50% of actual charges |
|
| Physical Therapy |
URC – limit once per day |
|
| Local Ambulance |
|
| Per Injury |
Up to $350 |
| Per Illness only if admitted Inpatient |
Up to $350 |
|
| Dental |
|
| Injury due to covered Accident |
$500 |
| Sudden & Unexpected Pain |
$350 |
|
| All Other Eligible Medical Expenses |
URC |
|
| INTERNATIONAL EMERGENCY CARE |
| Emergency Medical Evacuation |
Up to maximum limit per Illness/Injury |
| Student Health Advantage includes coverage for emergency medical evacuations
to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from
the evacuation; and the cost of returning to either the home country or the country where the evacuation
occurred, up to the Policy Limit. |
|
| Emergency Reunion |
$2,500 lifetime maximum |
| Student Health Advantage provides emergency reunion coverage for the reasonable
travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost
of accompanying the insured during the evacuation or traveling from the home country to be reunited with the
insured. The coverage also includes a round trip air ticket for a relative if the member is hospitalized for
seven days or longer. |
|
| Return of Mortal Remains |
$25,000 maximum |
| If a covered illness/injury results in death, expenses for repatriation of bodily
remains or ashes to the home country will be covered. |
|
| Political Evacuation |
Up to $10,000 lifetime maximum |
If the United States Department of State, Bureau of Consular Affairs issues a
mandatory evacuation order of the host country that becomes effective on or after the insured person’s date
of arrival in the host country, the Company will pay up to $10,000 lifetime maximum for transportation to
the nearest place of safety or for repatriation to the insured person’s home country or country of residence provided that:
- The Insured Person contacts the Company within 10 days of the United States Department of State,
Bureau of Consular Affairs issues the evacuation order;
- Political Evacuation and Repatriation is approved and coordinated by the Company.
|
|
| ADDITIONAL BENEFITS |
| Intercollegiate/Interscholastic/ Intramural or Club Sports |
$5,000 per Injury/Illness Medical Expenses only |
|
| Pre-existing Conditions |
After 12 months of continuous coverage |
|
| Terrorism Coverage |
Up to $50,000 lifetime maximum |
Student Health Advantage provides coverage for injuries and illness incurred
as a result of an act of Terrorism, limited in amount and by circumstances. If an insured person is injured
as a result of an act of Terrorism, and the insured person has no direct or indirect participation in the
act, the plan will reimburse eligible medical claims subject to a $50,000 lifetime maximum. However, claims
incurred as a result of radiological, nuclear, chemical or biological weapons or events are not covered.
Terrorism is defined as the systematic or planned use of violence, fear, or threat of violence in order
to intimidate a population or government, especially as a means of coercion or to obtain a granting of
any demand. However, this benefit does not cover an act of Terrorism in any country or location where
the United States government has issued a travel advisory that has been in effect within the six
months prior to the insured person's date of arrival.
This benefit also does not cover an act of Terrorism in the event that an advisory to leave a
certain country or location is issued by the United States government after the insured person's
arrival date, and the insured person unreasonably fails or refuses to depart the country or location. |
|
| AD&D |
|
| Student |
$25,000 |
| Dependent Spouse |
$10,000 |
| Dependent Child |
$5,000
|
| Dismemberment Levels |
Scheduled |
|
| Benefit Period |
60 Days |
Exclusions:
Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under Student Health Advantage.
- A Pre-existing Condition is defined as any Injury, Illness, sickness, disease, or other physical, medical, mental
or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of
application or at any time during the 12 months prior to the effective date of the insurance, whether or
not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date,
including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
- Treatment or surgeries which are elective, investigational, experimental or for research purposes.
- War, military action, political insurrection, protest, or any act thereof. The Company will not pay for a
Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the
Insured Person's date of arrival in the Host Country.
- Immunizations and routine physical exams.
- Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
- Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing
for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was
HIV+ at time of enrollment into this insurance.
- Pre-natal, post-natal, and newborn care, unless related to a Covered Pregnancy, treatment for
infertility or impotency, sterilization or reversal thereof, or abortion.
- Expenses in excess of $5,000 for Injury or Illness sustained while participating in amateur or
professional sports or other athletic activity which is organized and/or sanctioned, or which involves
regular or scheduled practices, games or competition. The following hazardous activities are excluded:
racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX,
BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing,
hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking,
mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving,
snow skiing, snowboarding,snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing,
wind-surfing and whitewater rafting.
- Vision or ear tests and the provision of visual or hearing aids.
- Vocational, recreational, speech or music therapy.
- Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
- Charges, Injuries and/or Illnesses resulting or arising from or occurring during the commission or
continuing perpetration of a violation of law by the insured, including without limitation, the engaging
in an illegal occupation or act, but excluding minor traffic violations.
- Treatment for, and Injuries and/or Illnesses resulting or arising from, substance abuse or drug addiction.
- Injury and/or Illness resulting or arising from being under the influence of alcohol or drugs; and
Injury or Illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
- Willful self-inflicted Injury or Illness.
- Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
- Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
- Organ or tissue transplants or related services.
- Illness or Injury where the trip to the host country is undertaken for treatment or advice for such
illness or Injury, except as expressly provided for in the certificate of insurance.
- Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
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This web page contains only a consolidated and summary description of all current
Student Health Advantage benefits, conditions, limitations and exclusions. A certificate containing
the complete Certificate Wording with all terms, conditions and exclusions will be included in the
fulfillment kit. IMG reserves the right to issue the most current Certificate Wording for this
insurance plan in the event this application and/or brochure has expired, is modified, or is replaced
with a newer version. Current Certificate Wordings are available upon request.
Nationwide PPO Network:
Click here to ACCESS THE PPO DIRECTORY
You may seek treatment under Student Helath Advantage Insurance Plan, including in the United States, with the hospital or doctor of your choice. When seeking treatment in the U.S., you may use the independent Preferred Provider Organization (PPO) contracted by IMG, a separately organized network (First Health Group) of approximately 500,000 physicians and 4,700 privately owned and operated hospitals. * This PPO network includes a large number of hospitals including some of the most well recognized university medical centers and transplant facilities.
Using this provider network could significantly reduce your out-of-pocket expenses.
When a U.S. hospital outside the network is used, a co-payment of US $250 is required in addition to the regular deductible and coinsurance. This co-payment is waived, however, if there is not a network provider within 50 miles of the location of treatment.
Each proposed hospital admission, inpatient or outpatient surgery, and certain other medical procedures must be Pre-certified for medical necessity. This means the insured person or their attending physician must call the number listed on the IMG identification card prior to admittance to a hospital or performance of a surgery, or medical procedure. In the case of an emergency hospital admission, the Pre-certification call must be made within 48 hours of the admission, or as soon as reasonably possible. For a complete list of procedures requiring Pre-certification, please refer to your certificate wording.
If Pre-certification guidelines are not followed, eligible claims and expenses will be reduced by 50%.
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