Student Health Advantage - Platinum

Underwriter: SiriusPoint Speciality Insurance Corporation

Comprehensive A.M. Best Rating: A

Student Health Advantage - Platinum (A.M. Best Rating: A) is a premium travel medical insurance plan for international students, scholars, and their eligible dependents studying abroad. As the highest level of coverage within the Student Health Advantage product line, it offers comprehensive medical benefits, higher coverage limits, emergency assistance, and enhanced healthcare protection throughout the covered period. 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 does not cover pre-existing conditions during the first 6 months of continuous coverage. Coverage may become available after 6 months of continuous enrollment, subject to policy terms and conditions.

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

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

Plan Brochure Sample Description of Coverage

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How Student Health Advantage - Platinum 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 - Platinum

Inside the USA

The PPO provider for Student Health Advantage - Platinum 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 - Platinum policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.

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.

Key Travel Medical Insurance Benefits

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

Emergency Room

90% of first $1000, 100% thereafter

Hospitalization

90% of first $1000, 100% thereafter

Physician Visits

Included

Prescription Rx - Medicine

Included

Pre-Existing Condition

6 m waiting period. 90% of first $1000, 100% thereafter

Medical Evacuation

Up to $500000

Emergency Dental Coverage

Up to $350

Mental or Nervous Disorder

Included

Emergency Room

90% of first $1000, 100% thereafter

Pre-Existing Condition

6 m waiting period. 90% of first $1000, 100% thereafter

Hospitalization

90% of first $1000, 100% thereafter

Medical Evacuation

Up to $500000

Physician Visits

Included

Emergency Dental Coverage

Up to $350

Prescription Rx - Medicine

Included

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 - Platinum

For J1, M1, F1 or A1 visa holders
For ages 31 days old 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

Eligible Medical Expenses

In-Network

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

Out-Network

80% up to policy maximum

Available Policy Maximums

$1M

Limits may vary based on age or destination of traveler

Available Deductibles

$10M

Limits may vary based on age or destination of traveler

Pre-Existing Conditions

6 m waiting period. 90% of first $1,000, 100% thereafter

Acute onset Pre-Existing Condition

Not covered

Dr. / Physician Visit

In-Network

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

Out-Network

80% up to policy maximum

Urgent Care

In-Network

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

Out-Network

80% up to Policy Maximum

Surgical Treatment

In-Network

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

Out-Network

80% up to policy maximum

Prescription Drugs / Medicines

In-Network

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

Out-Network

After deductible, 80%

Lab & X-rays

Out-Network

80% up to Policy Maximum

Hospital Room and Board

In-Network

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

Out-Network

80% up to policy maximum

Dr. / Physician Visit

In-Network

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

Out-Network

80% up to policy maximum

Surgical Treatment

In-Network

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

Out-Network

80% up to policy maximum

Ambulance Expenses

In-Network

Up to $750

Out-Network

Up to $750

Emergency Room

In-Network

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

Out-Network

80% up to policy maximum

Dental Emergency

Up to $350

US Border Entry Protection

Not covered

Emergency Medical Evacuation / Repatriation

Up to $500,000

Return of Mortal Remains

Up to $50,000

Trip Interruption

Not covered

Trip Delay

Not covered

Lost Luggage

Not covered

Terrorism

Up to $50,000

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

Not covered

Legal Fees

Not covered

Lost or Stolen Passport

Not covered

Missed Connection

Not covered

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

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.

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

Student Health Advantage - Platinum FAQs

All questions are answered by our Licensed Travel Insurance Consultants.

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 reside outside his/her home country for the purpose of pursuing international, educational activities.
Must not have obtained residency status in the host country.
Dependents have to be legal dependents, traveling with individual applicants or group members and traveling outside their home country Family members do not constitute a group.

Yes, after 6 months of continuous coverage. For more details & exclusions regarding the pre-existing conditions, please check the plan brochure.

Within 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.

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 printout of the online 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.

Student Health Advantage-Platinum 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-Platinum 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-Platinum 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-Platinum 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-Platinum plan does not offer any coverage for quarantine.

This plan provides coverage for the participants spouse and unmarried dependent children traveling with them.

Yes, this plan covers pregnancy up to $5,000. The benefit includes newborn routine care during the first 31 days of life.

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-Platinum 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-Platinum 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.

Student Health Advantage - Platinum

How Student Health Advantage - Platinum Works

In Network

Out of Network

PPO Network for Student Health Advantage - Platinum

Inside the USA

Outside the USA

Key Travel Medical Insurance Benefits

Eligibility for Student Health Advantage - Platinum

Medical Coverage

Pre-existing Conditions

Out-Patient

In-Patient

Emergency Services

Dental Coverage

Travel Coverage

Optional add-on benefits

Student Health Advantage - Platinum Exclusions

Manage Plan, Support, and Claims Information

Manage Your Policy Online

Helpful Links

Claims Contact Information

Send Claim Form to:

Administrator Contacts:

Claims Form(s):

Student Health Advantage - Platinum FAQs

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