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Student Health Advantage - Standard
Underwriter: Sirius International
Long-term medical coverage up to 5 years
- Coverage for $300K/incident for individuals and groups and $100,000 for their dependents
- Freedom to seek treatment with the hospital or doctor of your choice
- Meets student visa requirements
- Maternity coverage
- PPO network (See list of doctors and hospitals)
Policy info
Plan Administrator: IMG
Carrier: Sirius International
AM Best Rating: A(Excellent)
Useful Links
First Health Network
Student Health Advantage is designed to meet the needs of international students, scholars, and faculty, their families, and groups of two or more involved in long-term educational programs. In addition to meeting the requirements of the J1 Visa, this plan includes benefits for maternity, mental health and organized sports. After a period of 12 months, pre-existing conditions will be covered as well.
Please review Student Health Advantage Insurance Brochure
or policy document for complete and accurate coverage information. All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage. Benefits
Plan Overview
FAQs
Dr. / Physician Visit
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Prescription Drugs / Medicines
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
(For Outpatient Perscription insurance pays 50% of Actual Charges),
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
(For Outpatient Perscription insurance pays 50% of Actual Charges),
Lab & X-rays
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Physical Therapy
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.(Limit Once per day)
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum. (Limit Once per day)
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum. (Limit Once per day)
Hospital Room
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Hospital Intensive Care Unit
Inside PPO Network or Student Health Center: Insurance pays 100 % after deductible, to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Outside PPO Network : Insurance company will pay 80% of $5,000 of Eligible Expenses after deductible, then 100% to coverage maximum.
Ambulance Expenses
Up to $500 per injury
Up to $350 per illness (only if admitted as in-patient)
Up to $350 per illness (only if admitted as in-patient)
Acute, spontaneous and unexpected pain
Up to $350 (Not Available for Basic Short Term Plan )
Accidental emergency
Up to $500 (Not Available for Basic Short Term Plan )
Emergency Medical Evacuation / Repatriation
Up to $500,000 life maximum (independent of Maximum limit)
Return of Remains
Up to $50,000 Maximum
Emergency Reunion
Up to $50,000 Maximum
Return of minor Child(ren)
Not Covered
Loss of checked Baggage
Covered under Optional Add-On plan
AD&D
Student : $25,000
Dependent Spouse :$10,000
Dependent Child :$5000
Dependent Spouse :$10,000
Dependent Child :$5000
Pre-Existing Conditions
Covered after 12 months of continuous coverage( Rider Available for certain states resident . See policy details)
Maternity
Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to $50,000 Life Time Maximum
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
