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Student & Scholars Insurance
Designed for individuals or groups of two or more students or scholars
Long-term international students and Their families while studying abroad    language :

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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 :
  • Standard and Platinum level benefits available
  • 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
  • Student Health Center $5 co-pay per visit
  • Universal Rx pharmacy discount savings
  • Meets student visa requirements
  • Maternity coverage
  • Mental health coverage
  • Organized sports coverage
  • International emergency care
  • Pre-existing coverage after 6 months with the Platinum option or 12 months with the Standard option

Who the plan is designed for :
  • Individual and groups of students participating in international programs
  • Cultural exchange participants
  • Graduate international students
  • Scholars and educators

SHA Standard - Individual Rates (Monthly Premium)
Non-U.S. Citizens Student Spouse Dep. Child
Under 19 $69 $405 $86
19-23 $92 $405 $86
24-30 $106 $448 $86
31-40 $190 $596 $86
41-50 $311 $616 $86
51-64 $415 $596 $86

SHA Platinum - Individual Rates (Monthly Premium)
Non-U.S. Citizens Student Spouse Dep. Child
Under 19 $111 $594 $126
19-23 $146 $594 $126
24-30 $169 $656 $126
31-40 $303 $873 $126
41-50 $496 $902 $126
51-64 $662 $873 $126

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

Maximum Limit
Standard Platinum
Student: $500,000 period of
Dependent: $100,000 period of
Student: $1,000,000 period of
Dependent: $100,000 period of
Per Illness/Injury Maximum
Standard Platinum
Student: $300,000
Dependent: $100,000
Student: $500,000
Dependent: $100,000
Standard Platinum
$100 per Illness/Injury

Student Health Center: $5
Outside of the U.S./Canada: $25 per Illness/Injury
Within the U.S./Canada PPO Provider: $25 per Illness/Injury
Within the U.S./Canada NON PPO Provider: $50 per Illness/Injury
Student Health Center: $5
Standard Platinum
Outside the U.S. & Canada: No coinsurance

In PPO Network or Student Health Center within U.S. & Canada: No coinsurance

Out of PPO Network if within U.S. & Canada: 80% of eligible expenses up to $5,000; then 100% thereafter
Hospital Room and Board Average semi-private room
Intensive Care URC
Standard Platinum
Subject to Special Maternity Pre-certification requirements
If Incurred Outside the U.S. & Canada: 100% eligible medical expenses to maximum limit.
If Incurred in U.S./Canada PPO Provider: 80% eligible medical expenses to maximum limit.
If Incurred in U.S./Canada NON PPO Provider: 60% eligible medical expenses to maximum limit.
Subject to Special Maternity Pre-certification requirements, same as any other illness.
Routine Nursery Care $750 maximum per period of coverage
Emergency Room
Standard Platinum
Injury: URC
Illness resulting in hospitalization: Up to maximum limit
Illness without In-Patient Admission: URC Subject to additional $250 deductible
Mental & Nervous Disorders
Standard Platinum
Out-patient: $50 per day; $500 lifetime maximum
In-patient: URC to $10,000 lifetime maximum
Student Health Center Treatment $0
Prescription Drugs
Standard Platinum
In-patient: URC
Out-patient: 50% of actual charges
Physical Therapy URC - limit once per day
Local Ambulance
Standard Platinum
Per Injury: Up to $350
Per Illness only if admitted In-patient: Up to $350
Per Injury: Up to $750
Per Illness only if admitted In-patient: Up to $750
Standard Platinum
Injury due to covered Accident: $500
Sudden & Unexpected Pain to natural teeth: $350
Eligible Medical Expenses URC
Emergency Medical Evacuation $500,000 lifetime maximum
Emergency Reunion $50,000 lifetime maximum
Return of Mortal Remains $50,000 maximum
Political Evacuation $10,000 lifetime maximum
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 (6 months for Platinum)
Terrorism Coverage $50,000 lifetime maximum
Standard Platinum
Student: $25,000 Principal sum
Spouse: $10,000 Principal sum
Dependent Child: $5,000 Principal sum
Accident Dismemberment percentage of principal sum
Treatment Period 60 Day minimum

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
Patriot Exchange Program
-No Coinsurance
Optional Riders
Additional Services

Patriot Travel Medical Insurance
-No Deductible
Optional Riders

Student Health Advantage
Additional coverage information

Contact Us
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