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International Health Insurance | Expatriate Insurance

IMG Student Health Advantage Insurance

Our best international student plan for families/dependents/maternity coverage

Why we like it:

WE RECOMMEND the IMG International Student Insurance plan because it provides worldwide health insurance for foreign students in USA that follows them wherever they go. It covers Students, Faculty, and Scholars with valid J-1, H-3, F, M or Q visas.

We like that this student health insurance plan includes pre-existing medical coverage after 12 continuous months on the plan. If the plan is purchased for a minimum of 3 months, it may be extended/renewed up to 12 months. If no break in coverage, this plan may be renewed for up to 5 years maximum.

It is also the best if you are looking for maternity coverage or coverage for dependents (Platinum plan).

Good for:

  • Covers Students, Faculty, Scholars with valid J-1, H-3, F, M or Q visas
  • This is our best student Plan for families and dependents
  • Covers pre-existing conditions after 12 months on policy
  • The best international student plan if you are looking for maternity coverage
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More about IMG International Student Insurance – Student Advantage
college-campus
  • This student health insurance plan exceeds J1-visa requirements. It covers Students, Faculty, Scholars with valid J-1, H-3, F, M or Q visas
  • Provides worldwide health insurance for foreign students in USA or in any other nation
  • Maternity coverage on Platinum only
  • Coverage for individuals, or groups of two or more members, and their dependents
  • Includes sports coverage and international emergency care
  • This is our best student plan for families/dependents/maternity coverage
  • If the plan is purchased for a minimum of 3 months, it may be extended/renewed up to 12 months. If no break in coverage, this plan may be renewed for up to 5 years.
  • IMG has served over a million people around the globe

Description:

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Protection when you go overseas to study or teach

International Medical Group® (IMG®) has developed Student Health Advantage. It is a special health care plan designed for students and professors to specifically meet the needs of those involved in long-term educational programs. The plan offers a complete package of international benefits available 24 hours a day. This provides you (or your group) Coverage Without Boundaries®. IMG has also has great multilingual customer service and dedicated claims administrators.

 

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Specific Benefits

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Standard:

  • Pre-existing coverage after 12 months
  • Medical Maximum – Student $500,000 / Dependent $100,000 per period of coverage.
  • Per Illness/Injury Maximum – Student $300,000 / Dependent $100,000

Platinum:

  • Pre-existing coverage after 6 months
  • Medical Maximum – Student $1,000,000 / Dependent $100,000 per period of coverage.
  • Per Illness/Injury Maximum – Student $500,000 / Dependent $100,000

Deductible

  • $100 per Illness/Injury (Standard) $25 in PPO (Platinum)
  • $5 co-pay per visit if treatment received in Student Health Center

Coinsurance

  • Charges incurred outside the U.S. or Canada – No Coinsurance 100% paid
  • Charges incurred within the U.S. or Canada
  • In PPO network or Student Health Center – No Coinsurance 100% paid
  • Out of PPO network – 80% of the first $5,000 of eligible charges, then 100% thereafter

Benefits:

  • In-Patient Usual, reasonable and customary
  • Out-patient 50% of actual charges
  • Prescriptions
  • Physical Therapy URC – limit once per day
  • Local Ambulance – Per Injury Up to $350 or per Illness (only if admitted In-patient) Up to $350
  • Dental injury ($500) and sudden and unexpected pain ($350)
  • Incidental Home Country Coverage Up to a cumulative two weeks
  • Optional rider for adventure sports
  • Terrorism, political evacuation, Emergency medical reunion, return of mortal remains
  • Mental health – Incl. Alcohol and drug-related – Up to $50 per day

 

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Extension of Coverage

If the plan is purchased for a minimum of three months, coverage may be extended up to 12 months from the initial effective date. Provided there is no break in coverage, the plan may be renewed for up to five years

Maternity:

The Platinum plan provides coverage for maternity the same as any illness.

Conception must occur after the effective date. Routine nursery care of newborns is $750. Newborns cannot be added if born in the U.S., as they are U.S. citizens.

Intercollegiate / Interscholastic / Intramural or Club Sports:

The plan provides coverage for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural or club sports up to $5000. (Not NCAA)

Mental Health:

The plan provides coverage for mental health disorders including alcohol and drug abuse. Out-patient treatment is covered up to $50 per day to the lifetime maximum. Usual, reasonable and customary charges are covered for in-patient treatment up to the lifetime maximum. Student Health Center charges for mental health are covered.

Dental:

Injury due to an accident – the plan covers up to $500.

Sudden dental pain – the plan covers to $350.

Adventure Sports Rider:

Optional coverage for 20%. Covers adventure sports but not extreme sports such as base jumping and motocross.

Scuba Diving above 30 meters is covered by the Adventure sports rider.

 

Here at Good Neighbor Insurance it is very important for us to connect with you.

As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!

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