Student Health Advantage

From International Medical Group

Renewable for up to 60 months of coverage, Student Health Advantage is a comprehensive travel medical plan that provides up to $500,000 in coverage per any new illness & injury that might occur while studying abroad.

Quote & Buy Standard Plan

Student Health Advantage: Summary of Benefits

Benefit

Description

Maximum Limit
  • Student: $500,000 period of coverage
  • Dependent: $100,000 period of coverage
Coinsurance
Outside the U.S. & Canada
No coinsurance
Coinsurance
In PPO Network or Student Health Center within U.S. & Canada
No coinsurance
Coinsurance
Out of PPO Network if within U.S. & Canada
80% of eligible expenses up to $5,000; then 100% thereafter
Deductible
Outside the U.S. & Canada
  • $100 per Illness / Injury
  • Student Health Center: $5
Inpatient / Outpatient Benefits
Hospital Room and Board
Average semi-private room rate, including nursing service
Hospital Intensive Care
URC*
Emergency Room
  • Injury: URC*
  • Illness resulting in hospitalization: Up to maximum limit
  • Illness without In-Patient Admission: URC* Subject to additional $250 deductible
Mental & Nervous Disorders
  • Out-patient: $50 per day; $500 lifetime maximum
  • In-patient: URC* to $10,000 lifetime maximum
  • Student Health Center Treatment: $0
Prescription Drugs
  • Out-patient: URC*
  • In-patient: 50% of actual charges
Physical Therapy
URC*, limit 1 visit per day
Local Ambulance
  • Per Injury: $350
  • Per Illness only if admitted In-patient: $350
Dental
  • Injury due to covered Accident - $500 maximum
  • Sudden & Unexpected Pain to natural teeth - $350 maximum
Eligible Medical Expenses
URC*
Evacuation Benefits
Emergency Medical Evacuation
$500,000 lifetime maximum
Emergency Reunion
$50,000 lifetime maximum
Return of Mortal Remains or Cremation / Burial
$50,000 maximum
Political Evacuation
$10,000 lifetime maximum
Additional Benefits
Intercollegiate / Interscholastic / Intramural or Club Sports
$5,000 maximum per injury / illness
Incidental Trip Coverage
Up to a cumulative two weeks
Pre-Existing Conditions
Charges excluded after 12 months of continuous coverage
Terrorism Coverage
Up to $50,000 lifetime maximum
AD&D
  • Student: $25,000 Principal sum
  • Spouse: $10,000 Principal sum
  • Dependent: $5,000 Principal sum
  • Accident Dismemberment percentage of principal sum
Treatment Period
60 day minimum

Adventure Sports Rider:

The Adventure Sports Rider is available for eligible participants. Certain activities designated as adventure sports can be covered up to the maximums listed below. Certain activities are never covered regardless of whether or not the Adventure Sports Rider is issued. For a list of activities which can be considered to be adventure sports, a sample rider can be provided upon request. Ages 31 days to 49 years; $50,000 lifetime maximum.

*Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment.

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Patient Protection and Affordable Care Act

(“PPACA”): This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States PPACA. PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney or tax professional to determine if PPACA’s requirements are applicable to you. The policy contains the plan benefits, including a lifetime maximum that you have selected. Please review your choices to ensure that you have sufficient coverage to meet your medical needs.

InsuranceQuest.com is a web site from CDA Insurance LLC. CDA Insurance LLC is not an insurance carrier, we are an agency that represents many companies offering products to the general public. We do our best to assure that all information presented on our web site is current and accurate. The information and suggestions on our site are intended for informational purposes only, and we expressly disclaim any representations or warranties, express or implied, regarding the accuracy of such information.

[ learn more ]