Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • PPO Network (Within PP0 Network): Plan pays 100% , Insured pays 0%
  • Eligibility: A Full time Student & Non US Citizen Age 14-64 travelling USA to study
  • Coverage length: Min 3 months to 12 months
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Provided there is no break in coverage, the plan may be renewed for up to five years
  • ID card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age 0-64 $ $500,000

Doctor Visit Maximum Visits per Day: 1 • Surgery is not subject to the maximum visit limit
Surgical Treatment Up to the overall maximum limit
Hospital Room and Board Average semi-private room rate • Includes nursing, miscellaneous and Ancillary Services
Ambulance Period of Coverage Limit per Injury: $350 • Period of Coverage Limit per Illness $350 (resulting in an Inpatient Hospitalization)
Prescription Inpatient:100% Outpatient:N/A

Complete details are given in certificate of insurance.

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  • Routinephysical exams.
  • A Pre-existing Condition is defined as any Injury, Illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application
  • Treatment or surgeries which are elective.
  • Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions and HIV.
  • Vocational, recreational, speech or music therapy.
  • Willful self-inflicted Injury or Illness.
  • Organ or tissue transplants or related services.
  • Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

Complete details are given in certificate of insurance.

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Maternity & Pre-Existing Condition Rider (Standard Plan Only):

Charges excluded until after 12 months of continuous coverage

Pre-Existing Condition Rider(Platinum Plan Only):

Charges excluded until after 6 months of continuous coverage

The Maternity & Pre-Existing Condition Rider is available for eligible participants. Under this rider, eligible medical expenses for pre-natal care, delivery, post-natal care, and care of newborns can be covered after the insured has maintained coverage continuously for 10 months and the pregnancy is a result of natural insemination. Eligible medical expenses relating to a pre-existing condition can be covered after the insured has maintained coverage continuously for 6 months.

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With the Student Health Advantage Plan you may seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you can reduce your out-of-pocket costs by using the independent Preferred Provider Organization (PPO), a separately organized network of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. contracted by IMG. You can quickly search the network through MyIMG. Additionally, to help you locate health care providers outside the U.S., IMG provides its online International Provider AccessSM(IPA), a database of over 17,000 providers.Our goal is to provide quality medical coverage wherever you may be. The PPO and our IPA enable us to do just that, and our online directories put the information at your fingertips - anytime, anywhere.

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Renew

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.

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Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

  • A $50 cancellation fee will apply for administrative costs incurred by us; and
  • Only the unused portion of the plan cost will be refunded; and
  • You cannot have filed any claims to be eligible for premium refund.

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Each proposed hospital admission, in-patient or out-patient surgery, and other procedures as noted in the Certificate Wording must be Precertified for medical necessity, which means the insured person or their attending physician must call the number listed on the IMG Identification Card prior to admittance to a hospital or performance of a surgery. In case of an Emergency Admission, the Precertification call must be made within 48 hours of the admission, or as soon as reasonably possible. If a hospital admission or a surgery is not Precertified, eligible claims and expenses will be reduced by 50%. It is important to note that Precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. All medical expenses must meet usual, reasonable, customary, and eligible payment guidelines. Please refer to the Certificate Wording for full details of the Precertification requirements.

All benefits payable under Student Health Advantage are subject to the provisions described in this brochure and as contained in the Certificate Wording and certificate of coverage. To make claim processing efficient, claims may be paid in two ways:

  • Eligible claims that have been paid by or on behalf of the Insured Person will be reimbursed by check directly to the Insured Person, and
  • Eligible claims that have not yet been paid by the Insured Person will, at the discretion of IMG, be paid either to the Insured Person or directly to the provider

 

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