Health Insurance for International Students
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Student Health Advantage

Student Health Advantage Insurance

Individual or groups of two or more members – Long-term coverage available from one month up to five years for educational programs.

Student Health Advantage is designed to meet the needs of international students, scholars, and faculty, their families, and groups of two or more involved in long-term educational programs. In addition to meeting the requirements of the J1 Visa, the Standard plan includes benefits for maternity, mental health and organized sports. After a period of 12 months, pre-existing conditions will be covered as well.

Student Health Advantage Platinum is designed for students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan offers Platinum level benefits and meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

Plan Brochure Quote & Buy - Standard Quote & Buy - Platinum  

Student Health Advantage Policy Overview

Student Health Advantage Insurance is administered by IMG Insurance and is underwritten by Sirius International. Student Health Advantage is an ideal student medical insurance for international students seeking coverage worldwide.

Lifetime Maximum: Student:  $500,000 (Standard)  $1,000,000 (Platinum)
Dependent: $100,000
Deductible $100 per Illness/Injury
$50 per Illness/Injury if Treatment received in Student Health Center
Co-pay Co pay of $5 for Student Health Center
Co insurance Charges incurred outside the U.S
100% of eligible expenses
Charges incurred within the U.S
– In PPO network or Student Health Center
100% of eligible expenses

– Out of PPO network
80% of the first $5000 of eligible charges, then 100% thereafter.

Plan Life 3 months, can be extended from 12 months to 5 years with no breakage period.
  1. The group member must be a full-time student or scholar at a college or university.
  2. The group member must be residing outside his/her home country for the purpose of pursuing international, educational activities including but not limited to college course work, conducting research or teaching for a temporary period of time.
  3. Must not have obtained residency status in Host Country.
  4. Dependents have to be legal dependents, traveling with the group as a dependent of a group member and traveling outside their home country.
Pre-Existing Condition Coverage After 12 months of continuous coverage, the plan provides benefits for pre-existing conditions.
Additional Benefits – Covers intercollegiate/interscholastic/intramural or club sports
– US$5,000 per Injury/Illness Medical Expenses only
Optional Riders Pre existing Conditions rider: Waiting Period of 6 months and is available for:

  1. Non US Citizens.
  2. Insured visiting Florida, Hawaii, Idaho and Massachusetts.
  3. For group plan, the group address must be in one of these four states.
  4. If rider is selected a 10 months, waiting period for Maternity Coverage will be applicable (the pre-ex waiver will not apply to maternity).

Adventure Sports Rider: Covers Adventure Sports up to age of 65 years:

Age Lifetime Maximum
0-49 $50,000
50-59 $30,000
60-64 $15,000
Coverage – Hospital Room & board
– Emergency Medical Evacuation
– Emergency Reunion
– Return of Mortal Remains
– Maternity Benefits
– Dental Charges
– Intensive Care
Plan Administrator Plan is administered by International Medical Group (IMG)
Policy Underwriter Student Health AdvantageSM is underwritten by Sirius International Insurance Corporation (publ)