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Student & Scholars Insurance
Designed for individuals or groups of two or more students or scholars
Schedule of Benefits
All amounts shown are in U.S. dollars. Click the orange headers for further information.

Rates are based on a $250 deductible option.
For other deductible options, please see the application.

(Four Maximum Limit options. Maximums are per covered insured per certificate period.)
Option 1

Option 2

Option 3

Option 4

Age One Month One Month One Month One Month
18-29 $43 $50 $64 $76
30-39 $56 $67 $84 $97
40-49 $84 $96 $126 $142
50-59 $120 $147 $178 $206
60-64 $142 $174 $207 $248
65-69 $162 $208 $226 $270
70-79 $219 $N/A $N/A $N/A
80 (10,000 Manimum) $381 $N/A $N/A $N/A
Dep.Child $38 $45 $58 $65
Child Alone $39 $46 $59 $66

Maximum Limits $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Individual Deductible Your choice of $0, $100, $250, $500, $1,000 or $2,500
Coinsurance Click for more information
Benefit Period Six months
MEDICAL BENEFITS Usual, reasonable and customary charges, subject to deductible and coinsurance when applicable.
Hospital Room and Board Up to the Maximum Limit for average semi-private room rate
Intensive Care Up to the Maximum Limit
Medical Expenses Up to the Maximum Limit
Out-patient Medical Up to the Maximum Limit
Local Ambulance Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Emergency Room Accident Up to the Maximum Limit
Emergency Illness - with In-patient Admission Up to the Maximum Limit
Emergency Illness - without In-patient Admission Up to the Maximum Limit
Dental Click for more information
Hospital Daily Indemnity Click for more information
INTERNATIONAL EMERGENCY CARE When coordinated through the Plan Administrator
Emergency Evacuation Up to $500,000 lifetime maximum (independent of the Maximum Limit)
Emergency Reunion Up to $50,000
Return of Mortal Remains Up to $50,000
Return of Minor Children Up to $50,000
Political Evacuation Up to $50,000
Natural Disaster $100 per day for five days
Identity Theft Assistance Up to $500 per Period of Coverage
Terrorism Coverage Up to $50,000 lifetime maximum
Sports & Activities Coverage Up to the Maximum Limit for basic sports Coverage as described below
Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical existing Condition - Medical Click for more information
Sudden and Unexpected Recurrence of a Pre-existing Condition - Emergency Medical Evacuation Click for more information
Incidental Home Country Coverage Up to a cumulative two weeks
End of Trip Home Country Coverage Click for more information
Trip Interruption Up to $5,000
Common Carrier Accidental Death $50,000 to Beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage Up to $50 per item of personal property; maximum of $250 per Period of Coverage

* This Web page contains only a consolidated and summary description of all current benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.
Students & Scholars Insurance
Patriot Exchange Program
-No Coinsurance
Optional Riders
Additional Services

Patriot Travel Medical Insurance
-No Deductible
Optional Riders

Student Health Advantage
Additional coverage information

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