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Student Health Advantage - Standard

Underwriter: SiriusPoint Speciality Insurance Corporation
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A
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Student Health Advantage - Standard (A.M. Best Rating: A) is a Travel Medical insurance plan that provides health coverage for international students. The plan is designed to provide basic medical coverage, emergency services, evacuation and repatriation, and more for International Students abroad. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 90% of eligible medical expenses up to $1,000, then 100% thereafter, up to the policy maximum. Outside of the PPO network, the plan will pay 80% in eligible medical expenses, up to the policy maximum.

Student Health Advantage - Standard covers pre-existing conditions after 12 months of continuous coverage.

Review the Student Health Advantage - Standard policy documents for complete coverage details, exclusions, and limitations.

Learn more about 2 optional add-on benefits available on this plan.

Plan BrochureSample Description of Coverage
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How Student Health Advantage - Standard Works

After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum

In Network

90%

After deductible, 90% of first $1,000, 100% thereafter

Out of Network

80%

After deductible, 80% up to policy maximum

PPO Network for Student Health Advantage - Standard

Inside the USA

The PPO provider for Student Health Advantage - Standard Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.

When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Student Health Advantage - Standard policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.

View Providers in USA

Outside the USA

There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can view the international list of providers for IMG.

View Providers Outside USA

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Emergency Room
Emergency Room
90% of first $1000, 100% thereafter
Hospitalization
Hospitalization
90% of first $1000, 100% thereafter
Physician Visits
Physician Visits
Included
Prescription Rx - Medicine
Prescription Rx - Medicine
Included
Pre-Existing Condition
Pre-Existing Condition
12 m waiting period. 90% of first $1000, 100% thereafter
Medical Evacuation
Medical Evacuation
Up to $500000
Emergency Dental Coverage
Emergency Dental Coverage
Up to $350
Mental or Nervous Disorder
Mental or Nervous Disorder
Included
Emergency Room
Emergency Room
90% of first $1000, 100% thereafter
Pre-Existing Condition
Pre-Existing Condition
12 m waiting period. 90% of first $1000, 100% thereafter
Hospitalization
Hospitalization
90% of first $1000, 100% thereafter
Medical Evacuation
Medical Evacuation
Up to $500000
Physician Visits
Physician Visits
Included
Emergency Dental Coverage
Emergency Dental Coverage
Up to $350
Prescription Rx - Medicine
Prescription Rx - Medicine
Included
Mental or Nervous Disorder
Mental or Nervous Disorder
Included

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.

Eligibility for Student Health Advantage - Standard

  • For J1, M1, F1 or A1 visa holders
  • For ages 31 days to 64 years
  • Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
  • Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
  • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
  • Meets student visa requirements
  • Extendable for up to 365 days
  • Plan can be purchased after arrival at the destination
Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Available Policy Maximums
Available Policy Maximums
$500K
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
$250
Limits may vary based on age or destination of traveler
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions
12 m waiting period. 90% of first $1,000, 100% thereafter
12 90% of first $1,000 100%
Acute onset Pre-Existing Condition
Acute onset Pre-Existing Condition
Not covered
Out-Patient

Out-Patient

Medical treatment that does not include an overnight stay at a hospital.

Dr. / Physician Visit
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Urgent Care
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to Policy Maximum
80%
Surgical Treatment
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Prescription Drugs / Medicines
In-Network
In-Network
After deductible, 90 % of first $1,000, 100% thereafter
Out-Network
Out-Network
After deductible, 80%
80%
Lab & X-rays
Out-Network
Out-Network
80% up to Policy Maximum
80%
In-Patient

In-Patient

Medical treatment that includes an overnight stay at a hospital.

Hospital Room and Board
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Dr. / Physician Visit
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Surgical Treatment
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Emergency Services

Emergency Services

Hospital emergency services (certain limits may apply).

Ambulance Expenses
In-Network
In-Network
Up to $350
Out-Network
Out-Network
Up to $350
Emergency Room
In-Network
In-Network
90% of first $1,000, 100% thereafter
90% $1,000 100%
Out-Network
Out-Network
80% up to policy maximum
80%
Dental Coverage

Dental Coverage

Treatment for injury to or acute and spontaneous pain in sound natural teeth.

Dental Emergency
Dental Emergency
Up to $350
Travel Coverage

Travel Coverage

Travel-related coverage

US Border Entry Protection
US Border Entry Protection
Not covered
Emergency Medical Evacuation / Repatriation
Emergency Medical Evacuation / Repatriation
Up to $500,000
Return of Mortal Remains
Return of Mortal Remains
Up to $50,000
Trip Interruption
Trip Interruption
Not covered
Trip Delay
Trip Delay
Not covered
Lost Luggage
Lost Luggage
Not covered
Terrorism
Terrorism
Up to $50,000
Personal Liability
Personal Liability
Up to Combined Maximum Limit: $10,000

Injury to Third Person:
• Per Injury Deductible: $100

Damage to Third Person’s property:
• Per damage Deductible: $100
Identity Theft
Identity Theft
Not covered
Legal Fees
Legal Fees
Not covered
Lost or Stolen Passport
Lost or Stolen Passport
Not covered
Missed Connection
Missed Connection
Not covered
Optional add-on benefits

Optional add-on benefits

More coverage options available for extra protection.

Adventure Sports Rider
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: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; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
Age Lifetime Maximum
0-49 $50,000
50-59 $30,000
60-64 $15,000
Device Protection Rider
Device Protection Rider
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

Unlike most riders, Device Protection Coverage is sold for each Traveler independently.
Student Health Advantage - Standard Exclusions

Student Health Advantage - Standard Exclusions

What is not covered

Manage Your Policy Online

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Helpful Links

Claims Contact Information

Send Claim Form to:
Claims Department,International Medical Group, Inc. Attn: Claims Department P.O. Box 240429,
Apple Valley, MN 55124 USA
317-655-4500
imgcustomercare@imglobal.com
Administrator Contacts:
800-628-4664 or 317-655-4500
imgcustomercare@imglobal.com
Claims Form(s):
Download Insurance Claim Form

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

You must meet the following criteria to be eligible for Student Health Advantage program:
The individual applicant or group member must be a full time student or scholar at a college ,university or educational institution.
The individual applicant or group member must residing outside his/her home country for the purpose of pursuing international, educational activities.
Must not have obtained residency status in host country.
Dependents have to be legal dependents, travelling with individual applicant or group member and traveling outside their home country
Family members do not constitute a group.

Yes, after 12 months of continuous coverage. For more details & exclusions regarding the pre-existing conditions, please check the plan brochure.
Within the USA, the network provider for this plan is UnitedHealthcare Network. Or you can go to any doctor of your choice.

Please refer to the following article about the policy usage:
How to Use Your Visitor Insurance

Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.
Yes, if you purchase the plan for a minimum of 5 days, coverage may be extended for a total of up to 12 months from the initial effective date. Provided there is no break in coverage, the plan may be extended up to 5 years.

A full refund is available if you request for cancellation before the start date. After the start date, a refund for the unused days is available if no claims have been made. A $50 Cancellation fee is applicable.

You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.


You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.

The print out of the on-line confirmation /virtual ID card is the proof of insurance and can be used when you visit the doctor or hospital. While filling out the online application, if you select online fulfillment you will not receive anything in snail mail but in your email. If you select the snail mail option then you won't receive your ID card in email but to your mailing address within 5-10 business days.
Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.
Student Health Advantage - Standard can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Coverage will begin on the date selected and once the policyholder has left their home country. The policy will cover for new conditions that occur after the policy effective date. For pre-existing condition coverage, there may be a specified waiting period before coverage is provided. Please review the policy documents for any limits or exclusions.
Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.
No, your Student Health Advantage - Standard plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.
The Student Health Advantage - Standard plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
Student Health Advantage - Standard will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.
The Student Health Advantage - Standard plan does not offer any coverage for quarantine.
Yes, this plan provides coverage for the participants spouse and unmarried dependent children travelling with them.
No, the Student Health Advantage Standard option does not covers pregnancy. However, it will be covered under the Student Health Advantage Platinum option.
The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
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, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and 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. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age

Lifetime Maximum

0-49

$50,000

50-59

$30,000

60-64

$15,000
The Mobile Device Protection rider is an optional coverage that can cover the insured's cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.
Yes, you may purchase the policy even after the traveler has entered their destination country. Eligible benefits and coverage will begin after the policy’s effective start date.
Learn more from informative articles at Visitor Insurance Information section.

Student Health Advantage-Standard can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

The Student Health Advantage-Standard plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.
If your original payment method is invalid, refunds require a wire/ACH transfer. Please provide complete account holder details, including full address, account type (checking/savings), bank information, and complete addresses for processing.

Have specific questions about this plan?

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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Optional add-on benefits

Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

Adventure Sports Rider
View Rider Document
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: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; whitewater kayaking or whitewater rafting in water less than Class V difficulty; wildlife safaris; and windsurfing.
Age Lifetime Maximum
0-49 $50,000
50-59 $30,000
60-64 $15,000
Device Protection Rider
View Rider Document
Provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip.

Unlike most riders, Device Protection Coverage is sold for each Traveler independently.

Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

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