Student Health AdvantageSM
Long-term, worldwide medical insurance for groups of 2 or more international students
Long-term, worldwide medical
insurance for groups of two or more international
students.
Student Health Advantage is designed to meet the needs of student visa requirements for group members and their dependents. This plan includes benefits for maternity, mental health and organized sports. After a period of 12 months, pre-existing conditions will be covered as well.
As a global student, assurance
and peace of mind are a priority when you study
abroad. That's why IMG has 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.
The following conditions apply to all persons applying for and/or enrolling in Student Health Advantage:
- The group member must be a full-time student or scholar at a college or university.
- 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.
- Must not have obtained residency status in Host Country.
- Dependents have to be legal dependents, traveling with the group as a dependent of a group member and traveling outside their home country.
| SCHEDULE OF BENEFITS | |
| (All amounts are in U.S. dollars. URC - Usual, Reasonable, Customary) | |
| PLAN INFORMATION | |
| Lifetime Maximum | |
| Student | $500,000 |
| Dependent | $50,000 |
| Per Illness/Injury Maximum | |
| Student | $300,000 |
| Each eligible dependent | $50,000 |
| Deductible | |
| $100 per Illness/Injury | |
| $50 per Illness/Injury if Treatment received in Student Health Center | |
| Coinsurance | |
| 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 $5,000 of eligible charges, then 100% thereafter |
|
| Medical Benefits | |
| Hospital Room & Board | Average semi-private room |
| Intensive Care | URC |
| Maternity | URC following 10 month waiting period up to policy maximum |
| Subject to a waiting period for the first 10 months of coverage, the plan provides coverage for maternity the same as any illness. Routine nursery care of newborns is also subject to the maximum limit. | |
| Routine Nursery Care | $750 maximum per certificate period |
| Emergency Room | |
| Injury | URC |
| Illness resulting in hospitalization | URC |
| No hospitalization | Subject to additional $250 deductible |
| Mental Health (Treatment at Student Health Center is not eligible) | |
| Outpatient | $50 per day $500 lifetime maximum |
| Inpatient | URC to $10,000 lifetime maximum |
| Prescription Drugs | |
| Inpatient | URC |
| Outpatient | 50% of actual charges |
| Physical Therapy | URC ? limit once per day |
| Local Ambulance | |
| Per Injury | Up to $350 |
| Per Illness only if admitted Inpatient | 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 maximum limit per Illness/Injury |
| Student Health Advantage includes coverage for emergency medical evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Policy Limit. | |
| Emergency Reunion | $2,500 lifetime maximum |
| Student Health Advantage provides emergency reunion coverage for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured. The coverage also includes a round trip air ticket for a relative if the member is hospitalized for seven days or longer. | |
| Return of Mortal Remains | $25,000 maximum |
| If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered. | |
| Political Evacuation | Up to $10,000 lifetime maximum |
If the
United States Department of State,
Bureau of Consular Affairs issues a
mandatory evacuation order of the host
country that becomes effective on or
after the insured person?s date of
arrival in the host country, the Company
will pay up to $10,000 lifetime maximum
for transportation to the nearest place
of safety or for repatriation to the
insured person?s home country or country
of residence provided that:
|
|
| ADDITIONAL BENEFITS | |
| Intercollegiate/Interscholastic/ Intramural or Club Sports | $5,000 per Injury/Illness Medical Expenses only |
| Pre-existing Conditions | After 12 months of continuous coverage |
| Terrorism Coverage | Up to $50,000 lifetime maximum |
| Student
Health Advantage provides coverage for
injuries and illness incurred as a
result of an act of Terrorism, limited
in amount and by circumstances. If an
insured person is injured as a result of
an act of Terrorism, and the insured
person has no direct or indirect
participation in the act, the plan will
reimburse eligible medical claims
subject to a $50,000 lifetime maximum.
However, claims incurred as a result of
radiological, nuclear, chemical or
biological weapons or events are not
covered. Terrorism is defined as the systematic or planned use of violence, fear, or threat of violence in order to intimidate a population or government, especially as a means of coercion or to obtain a granting of any demand. However, this benefit does not cover an act of Terrorism in any country or location where the United States government has issued a travel advisory that has been in effect within the six months prior to the insured person's date of arrival. This benefit also does not cover an act of Terrorism in the event that an advisory to leave a certain country or location is issued by the United States government after the insured person's arrival date, and the insured person unreasonably fails or refuses to depart the country or location. |
|
| AD&D | |
| Student | $25,000 |
| Dependent Spouse | $10,000 |
| Dependent Child |
$5,000 |
| Dismemberment Levels | Scheduled |
| Benefit Period | 60 Days |
| This web page contains only a consolidated and summary description of all current Student Health Advantage 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. IMG reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request. | |
Exclusions
Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under Student Health Advantage.
1. Pre-existing Conditions. 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).
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).
This web page contains only a
consolidated and summary description
of all current Student Health
Advantage 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. IMG
reserves the right to issue the most
current Certificate Wording for this
insurance plan in the event this
application and/or brochure has
expired, is modified, or is replaced
with a newer version. Current
Certificate Wordings are available
upon request.
