IMG Student Health Advantage Medical Insurance - Review

IMG Student Health Advantage Medical Insurance

8

Insurance Partner

9/10

Coverage Options

8/10

Price

7/10

Strengths

• Strong Insurance Partner
• Designed for Students
• Two Policy Options

Weaknesses

• Weak for Pre-Existing Conditions

IMG Global Travel Insurance Review: Student Health Advantage

A flexible, responsible medical plan geared towards international students, the IMG Global Student Health Advantage ticks the boxes when it comes to travel medical cover.

• Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
• Deductible of $100
• Maximum limit of $500,000
• Provides cover for mental health, organized sports and pre-existing conditions

Overview of IMG Student Health Advantage Medical Insurance

IMG Student Health Advantage Medical Insurance is one of IMG Global Travel Insurance’s many travel protection products, geared specifically for international students. It features affordable deductibles and wide ranges of cover. Student Health Advantage is designed from the ground up to support students and scholars of all stripes.

What is IMG Global Travel Insurance’s Student Health Advantage?

IMG Student Health Advantage Medical Insurance is available either for individuals or for groups of five or more students. Maximum limits are $500,000 per student per period of cover. Dependents are also included in this plan at a lower maximum limit of $100,000 per period. The deductible is $100 per illness or injury. Co-pays for visits to student health centers are just $5.

There are per illness or injury maximums with this plan. Students are covered up to $300,000 in this instance. Again, dependents are offered cover of up to $100,000. Additionally, IMG Student Health Advantage Medical Insurance provides cover for mental and nervous disorders and substance abuse. Outpatient treatment is capped at $50 a day or a $500 lifetime maximum. Treatment Inpatient has a $10,000 lifetime maximum. Treatment sought at student health centers is fully covered and has no charge.

Students often pursue an active extracurricular lifestyle. In order to support this, IMG Student Health Advantage has an available Adventure Sports Rider. This covers costs of up to $50,000 for a number of different activities. Listed recreational sports include kayaking, mountain climbing, paragliding, and other, similar activities.

IMG Global Travel Insurance’s Student Health Advantage: The Missing Pieces

The Student Health Advantage plan from IMG Global Travel Insurance offers high levels of standard cover. However, there are some holes in this cover that you should be aware of. IMG Global makes it clear that Student Health Advantage is not subject to the Affordable Care Act. Additionally, it doesn’t provide any benefits required under the ACA. It’s up to individual students to determine if they qualify for an exemption from ACA requirements. However, many types of international students are exempt.

Applying for Student Health Advantage from IMG Global Travel Insurance

Applying for IMG Student Health Advantage Medical Insurance is as easy as visiting IMG Global’s website and clicking the Get Quote button. Group quotes are also available for groups of five or more students.

If you have specific questions, such as if trip cancellations are covered, you can contact IMG Global service reps for answers. Whether it’s by live chat, email, or even over the phone, your questions about Student Health Advantage are just moments away.

Eligibility

To be eligible to apply to the Student Health Advantage plan, you must:

• Be a full-time student or scholar, the spouse of the full-time student or scholar, or a dependent traveling with the full-time student or scholar
• Reside outside the country of residence for the purpose of pursuing international educational activities including college course work, research, or teaching for a temporary period of time.
• Be physically and legally residing in host country with the intent to reside there for at least 30 days on the effective date and at renewal.
• Not be hospitalized, disabled, or HIV+ on the initial effective date.

IMG Student Health Advantage - Summary of Benefits - Standard Plan

Maximum Limit

Student -     $500,000 per period of coverage

Dependent - $100,000 per period of coverage

Per Illness or Injury Maximum

Student -     $300,000

Dependent - $100,000

Deductible

$100 per illness or injury

Student Health Center: $5 copay per visit

Coinsurance

Outside of the U.S.: No coinsurance

In PPO Network or Student Health Center within the U.S.: No coinsurance

Out of PPO Network if within the U.S.: 80% of eligible expenses up to $5,000; then 100% thereafter

Hospital Room and Board

Average semi-private room rate, including nursing service

Intensive Care

URC

Emergency Room Injury

URC

Emergency Room Illness resulting in hospitalization

URC

Emergency Room Illness without Inpatient Admission

URC; subject to additional $250 deductible

Mental & Nervous Disorders and Substance Abuse

Outpatient - $50 per day; $500 lifetime maximum

Inpatient -  URC up to $10,000 lifetime maximum

Student Health Center Treatment - $0

Prescription Drugs

Inpatient URC

Outpatient - 50% of actual charges

Physical Therapy

URC - limit one visit per day

Local Ambulance

Per injury - up to $350

$350 per illness only if admitted as inpatient

Dental

Injury due to covered accident - $500 maximum per accident

Sudden & unexpected pain to natural teeth - $350 maximum

Eligible Medical Expenses

URC

Emergency Medical Evacuation

$500,000 lifetime maximum

Emergency Reunion

$50,000 lifetime maximum

Return of Mortal Remains

$50,000 maximum

Political Evacuation and Repatriation

$10,000 lifetime maximum

Intercollegiate/Interscholastic/

Intramural or Club Sports

$5,000 maximum per injury or illness

Incidental Trip Coverage

Up to a cumulative 14 days

Pre-existing Conditions

Charges excluded until after 12 months of continuous coverage

Terrorism

$50,000 lifetime maximum

AD&D

Student -     $25,000 principal sum

Spouse -     $10,000 principal sum

Dependent child - $5,000 principal sum

Accidental dismemberment - percentage of principal sum

Treatment Period

60-day minimum

IMG Student Health Advantage - Summary of Benefits - Platinum Plan

Maximum Limit

Student -    $1,000,000 per period of coverage

Dependent - $100,000 per period of coverage

Per Illness or Injury Maximum

Student -     $500,000

Dependent - $100,000

Deductible

For treatment received outside of the U.S.: $25 per illness or injury

For treatment received within the U.S.:

PPO Provider: $25 per illness or injury

Non-PPO Provider: $50 per illness or injury

Student Health Center: $5 copay per visit

Coinsurance

Outside of the U.S.: No coinsurance

In PPO Network or Student Health Center within the U.S.: No coinsurance

Out of PPO Network if within the U.S.: 80% of eligible expenses up to $5,000; then 100% thereafter

Hospital Room and Board

Average semi-private room rate, including nursing service

Intensive Care

URC

Maternity

Coinsurance:

Outside of the U.S.: 100% of eligible expenses

Within the U.S. PPO Network: 80% of eligible expenses

Within the U.S. Out of PPO Network: 60% of eligible expenses

Routine Newborn Care

$750 maximum per period of coverage

Emergency Room Injury

URC

Emergency Room Illness resulting in hospitalization

URC

Emergency Room Illness without Inpatient Admission

URC; Subject to additional $250 deductible

Mental & Nervous Disorders and Substance Abuse

Outpatient - $50 per day; $500 lifetime maximum

Inpatient - URC up to $10,000 lifetime maximum

Student Health Center Treatment - $0

Prescription Drugs

Inpatient - URC

Outpatient - 50% of actual charges

Physical Therapy

URC - limit one visit per day

Local Ambulance

Per injury - up to $750

$750 per illness only if admitted as inpatient

Dental

Injury due to covered accident - $500 maximum per accident

Sudden & unexpected pain to natural teeth - $350 maximum

Eligible Medical Expenses

URC

Emergency Medical Evacuation

$500,000 lifetime maximum

Emergency Reunion

$50,000 lifetime maximum

Return of Mortal Remains

$50,000 maximum

Political Evacuation and Repatriation

$10,000 lifetime maximum

Intercollegiate/Interscholastic/

Intramural or Club Sports

$5,000 maximum per injury or illness

Incidental Trip Coverage

Up to a cumulative 14 days

Pre-existing Conditions

Charges excluded until after six months of continuous coverage

Terrorism

$50,000 lifetime maximum

AD&D

Student - $25,000 principal sum

Spouse - $10,000 principal sum

Dependent child - $5,000 principal sum

Accidental dismemberment - percentage of principal sum

Treatment Period

60-day minimum

Overall Rating for IMG Global Travel Insurance’s Student Health Advantage

Student Health Advantage is a rock-solid medical insurance plan that will suit most students quite well. Benefits like substance abuse and mental illness treatment provide an added layer of support. Students of average health – or those who enjoy adventure sports – will be covered adequately and affordably. However, with its relatively low lifetime cover amounts, students with chronic conditions may find it a relatively poor choice.

Safe travels.

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