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Student & Scholars Insurance
Designed for individuals or groups of two or more students or scholars
Medical coverage for students and their families while studying abroad

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download the PDF Brochure
Designed for individuals or groups of two or more students or scholars participating in a sponsored study abroad program, and desire an annually renewable comprehensive medical plan. This plan meets student visa requirements, includes benefits for maternity, mental health, organized sports and international emergency care.

Highlights :
  • Long-term medical coverage
  • Coverage for individuals and groups and their dependents
  • Coverage can be extended up to 12 months from the initial effective date if a minimum of three months is purchased
  • Freedom to seek treatment with the hospital or doctor of your choice
  • 24 hour secure access from anywhere in the world to manage your account at any time
  • Universal Rx pharmacy discount savings
  • Meets student visa requirements
  • Maternity coverage
  • Mental health coverage
  • Organized sport coverage
  • International emergency care
  • Pre-existing conditions coverage after 12 months

Who the plan is designed for :
  • Individual and groups of students participating in international programs
  • Cultural exchange participants
  • Graduate international students
  • Scholars and educators
Student Health Advantage - Group Rates (Monthly Premium)
Non-U.S. Citizens Student Spouse Dep. Child
Under 19 $64 $345 $73
19-23 $85 $345 $73
24-30 $98 $380 $73
31-40 $176 $506 $73
41-50 $288 $523 $73
51-64 $384 $506 $73
(Monthly Premium)
U.S. Citizens Student Spouse Dep. Child
Under 19 $51 $300 $56
19-23 $56 $300 $56
24-30 $74 $327 $56
31-40 $112 $437 $56
41-50 $182 $449 $56
51-64 $242 $437 $56

Schedule of Benefits
All amounts shown are in U.S. dollars. Click the orange headers for further information.

Lifetime Maximum
Per Illness/Injury Maximum
Hospital Room and Board Average semi-private room
Intensive Care URC
Maternity URC
Routine Nursery Care $750 maximum per period of coverage
Emergency Room
Mental Health (Includes alcohol and substance abuse. Treatment at Student Health Center is not eligible)
Prescription Drugs
Physical Therapy URC - limit once per day
Local Ambulance
All Other Eligible Medical Expenses URC
Emergency Medical Evacuation $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
Intercollegiate/Interscholastic/ Intramural or Club Sports $5,000 per Injury/Illness 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
Benefit Period 60 Days

Exclusions and Limitations

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under Student Health Advantage.
  1. 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 or at any time during the 12 months prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.

  2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.

  3. War, military action, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person's date of arrival in the Host Country.

  4. Immunizations and routine physical exams.

  5. Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.

  6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.

  7. Pre-natal, post-natal, and newborn care, unless related to a Covered Pregnancy, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.

  8. Expenses in excess of $5,000 for Injury or Illness sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding,snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, wind-surfing and whitewater rafting.

  9. Vision or ear tests and the provision of visual or hearing aids.

  10. Vocational, recreational, speech or music therapy.

  11. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.

  12. Charges, Injuries and/or Illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.

  13. Treatment for, and Injuries and/or Illnesses resulting or arising from, substance abuse or drug addiction.

  14. Injury and/or Illness resulting or arising from being under the influence of alcohol or drugs; and Injury or Illness resulting from operating any type of vehicle after consuming any alcohol or drugs.

  15. Willful self-inflicted Injury or Illness.

  16. Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.

  17. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.

  18. Organ or tissue transplants or related services.

  19. Illness or Injury where the trip to the host country is undertaken for treatment or advice for such illness or Injury, except as expressly provided for in the certificate of insurance.

  20. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

Your educational adventure should be enjoyable and gradifying. Maintaining the ability to be flexible and responsive, IMG developed Student Health Advantage, 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.

Additionally, you have access to more than 17,000 providers when seeking treatment outside the U.S. using our International Provider AccessSM (IPA). You can also reduce your out-of-pocket expenses when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.
Students & Scholars Insurance
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-No Coinsurance
Optional Riders
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Patriot Travel Medical Insurance
-No Deductible
Optional Riders

Student Health Advantage
Additional coverage information

Contact Us
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