Student Health Advantage |
Plan Features: |
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As an international student or scholar, the thrill of studying abroad is extraordinary. Your new surroundings are amazing and you’re involved in new and exciting experiences. You’re seeing and visiting places for the first time, while receiving the benefits of a long-term education.
Caught up in all of the excitement, you may not think about falling ill or becoming injured during your studies. Without warning, your experience abroad can quickly become frightening and risky if you’re not prepared for a medical emergency. As an international student, peace of mind is a priority when you study abroad. Your educational adventure or cultural exchange program should be enjoyable and gratifying. Maintaining the ability to be flexible and responsive, International Medical Group® (IMG®) has developed Student Health AdvantageSM, an international medical plan designed to specifically meet the needs of international students, scholars, and people involved in long-term educational and cultural exchange programs. The plan offers a complete package of benefits while outside your home country available 24-hours a day, providing you with Global Peace of Mind®. After all, you are global. Your medical insurance should be too. |
This plan is designed for:
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Student Health Advantage Plan Description
SUMMARY OF BENEFITS
Benefit |
Benefit Amount |
Maximum Limit |
Student: $500,000; Dependent: $100,000 |
Maximum Limit per Illness or Injury |
Student: $300,000; Dependent: $100,00 |
Deductible |
$100 per illness or injury Student health center: $5 copay per visit |
Coinsurance |
Outside 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 |
Medical benefits
Benefit |
Benefit Amount |
Hospital Room and Board |
Average semi-private room rate, including nursing service |
Intensive Care |
After deductible is met, company pays 80% of expenses out-of- network (U.S.) or 100% in-network (U.S.) and internationally |
Emergency Room Injury |
After deductible is met, company pays 80% of expenses out-of- network (U.S.) or 100% in-network (U.S.) and internationally |
Emergency Room Illness resulting in Hospitalization |
After deductible is met, company pays 80% of expenses out-of- network (U.S.) or 100% in-network (U.S.) and internationally |
Emergency Room Illness without Inpatient Admission |
After deductible is met, company pays 80% of expenses out-of- network (U.S.) or 100% in-network (U.S.) and internationally; Subject to additional $250 deductible |
Mental or Nervous / Substance Abuse |
Outpatient: $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; Student health center treatment: $0 |
Prescription Drugs |
Inpatient: After deductible is met, company pays 80% of expenses out-of- network (U.S.) or 100% in-network (U.S.) and internationally Outpatient: 50% of actual charges 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 |
Local Ambulance |
$350 per illness resulting in an inpatient hospitalization or injury |
Other benefits
Other Benefits |
Benefit Amount |
Dental |
Non-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 |
Eligible Medical Expenses |
After deductible is met, company pays 80% of expenses out-of- network (U.S.) or 100% in-network (U.S.) and internationally |
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 Coverage |
Up to a cumulative 14 days (available for non-U.S. residents only) |
Pre-existing Conditions |
Charges excluded until after 12 months of continuous coverage |
Terrorism |
$50,000 maximum limit |
AD&D |
Student: $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 |
Questions? |
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