The Secure, Reliable Academic Health Insurance You Demand
As an international scholar, the thrill of studying outside of your home country is extraordinary. Your new surroundings are amazing and you're involved in new and exciting experiences. You're seeing andvisiting places for the first time, while receiving the benefits of a long term education.
Caught up in all the excitement, you may not think about the chance that you or a member of your group may fall ill or become injured during your studies. But what if this did happen? Without warning, your experience can quickly become unpleasant and frightening if you're not prepared for a medical emergency. As a global student, assurance and peace of mind are a priority when you study abroad. Your educational adventure should be enjoyable and gratifying.
Maintaining the ability to be flexible and responsive, International Medical Group® (IMG®) has developed Student Health Advantage-SM, an international health care plan designed to specifically meet the needs of international students involved in long-term educational programs. The plan offers a complete package of international benefits available 24 hours a day, providing you and your group Coverage Without Boundaries®. After all, you are global. Your health insurance and peace of mind should be too.
Student Health Advantage ■ Meets student visa requirements ■ Coverage for individuals or groups of two or more members and their dependents ■ Maternity coverage ■ Mental health coverage ■ Organized sports coverage ■ International emergency care ■ Pre-existing coverage after 12 months or six months (depending on rider eligibility) Student Health Advantage
Schedule of Benefits
Lifetime Maximum Student $500,000 Dependent $50,000
Per Illness/Injury Maximum
Each eligible dependent $50,000
Deductible $100 per Illness/Injury
$5 co-pay per visit if Treatment received in Student Health Center
Coinsurance Charges incurred outside the U.S. or Canada No Coinsurance
Charges incurred within the U.S. or Canada In PPO network or Student Health Center No Coinsurance Out of PPO network 80% of the first $5,000 of eligible charges, then 100% thereafter
Hospital Room & Board Average semi-private room Intensive Care URC Maternity URC Routine Nursery Care $750 maximum per period of coverage Emergency Room Injury - URC Illness resulting in hospitalization - URC Illness without hospitalization - Subject to additional $250 deductible Mental Health(Includes alcohol and substance abuse. Treatment at Student Health Center is not eligible) Out-patient - $50 per day - $500 lifetime maximum In-patient- URC to $10,000 lifetime maximum
Prescription Drugs In-patient - URC Out-patient - 50% of actual charges (All coverages, benefits and premium amounts shown in this booklet are in U.S. dollars. URC - Usual, Reasonable, Customary
Physical Therapy URC – limit once per day Local Ambulance Per Injury - Up to $350 Per Illness only if admitted In-patient - Up to $350
Dental Injury due to covered Accident - $500 Sudden & Unexpected Pain - $350 All Other Eligible Medical Expenses - URC
International Emergency Care Emergency Medical Evacuation - Up to $500,000 lifetime maximum (independent of Maximum Limit) Emergency Reunion - $50,000 maximum Return of Mortal Remains - $50,000 maximum Political Evacuation - Up to $10,000 lifetime maximum
Additional Benefits Intercollegiate/Interscholastic/ - $5,000 per Injury/Illness Intramural or Club Sports - Medical Expenses only Incidental Home Country Coverage - Up to a cumulative two weeks Pre-existing Conditions After 12 months of continuous coverage Terrorism Coverage Up to $50,000 lifetime maximum
Optional Riders Adventure Sports Rider (Available to insureds up to age 65) Age Lifetime Maximum 0-49 $50,000 50-59 $30,000 60-64 $15,000 Six Month Pre-existing Condition Rider (available only if the insured's destination is Florida, Hawaii, Idaho, or Massachusetts) All premium rates are effective as of 5/1/12. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Application Form over 14 days and under 19 years of age, traveling with the individual or the group member as a dependent, and for whom premium has been paid.
Description of Benefits The following is a partial list of benefits and terms that are offered on the Student Health Advantage plan.
Maternity: The plan provides coverage for maternity the same as any illness. Conception must occur after the effective date. Routine nursery care of newborns is also subject to the Maximum Limit. Intercollegiate / Interscholastic / Intramural or Club Sports: The plan provides coverage for injuries or illnesses sustained while participating in intercollegiate, interscholastic, intramural or club sports.
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 are not eligible for coverage.
Six Month Pre-Existing Condition Rider:
The Six Month Pre-Existing Condition Rider is available for those individuals whose destination is the United States, to the states of Florida, Hawaii, Idaho, or Massachusetts only. This rider is also available for groups whose address is in any of those states. The rider will replace the 12 month pre-existing condition waiting period with a six month pre-existing condition waiting period. If this rider is selected, a 10 month waiting period on Maternity will apply.
Quality Guarantee Your satisfaction is very important to IMG. If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium. You may cancel your plan after your effective date if you do not have any claims filed with IMG, however, the following conditions will apply: 1) you will be required to pay a $50 cancellation fee and 2) only full month premiums will be considered for refunds (e.g., if you choose to cancel your coverage two months and two weeks prior to the date your coverage ends, IMG will only consider the two full months for a refund). If you have filed claims, your premium is non-refundable.
NOTE FROM ROCO: Student Health Advantage is a international student insurance for student on a F1,J1,M1, who have traveled to the USA from their home country. Student Health Advantage is a comprehensive international student insurance that covers things like maternity, pre-existing conditions*, hospitalizations, repatriation, and more. If you would like more information on this International Student Insurance or any of out International Students plans please contact as soon as possible. This is not a complete brochure. For a detailed description please see the FULL BROCHURE above.