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Student Health Advantage Insurance

Student Health Advantage Standard International Student Insurance

Review the Student Health Advantage Standard low-cost international student health insurance plan for foreign students studying in USA or outside home country. Quote, review and buy SHA Standard Insurance that provides affordable student medical coverage.

Review the Student Health Advantage Standard or SHA Standard, plan for international students studying in the USA, or study abroad participants requiring long-term international student health insurance coverage outside their home country. Student Health Advantage Standard is a basic international student policy designed to meet the needs of full-time international students, exchange scholars, and faculty members, and their dependent families.

Student Health Advantage Standard plan meets requirements of the US J1 visa or F1 visa holders, and includes several standard medical benefits such as sickness/injury coverage, doctor visits, emergency room, student health centers. SHA Standard is is extendable and renewable, and coverage duration is from 1 month up to 4 years (48 months) total continuous coverage, and after a wait-period period of 12 months, pre-existing conditions are also covered. The Student Health Advantage Platinum plan enhances the coverage offered by the Student Health Advantage Standard plan and includes benefits for maternity, mental health, organized sports, and international emergency care.

Student Health Advantage Insurance is designed for international students participating in education programs in a foreign country, cultural exchange participants such as J1 visa holders who are Au Pairs, international scholars and educators and graduates, and their dependents.

Student Health Advantage is plan is administered by International Medical Group (IMG), and the policy coverage is underwritten and issued by Sirius International Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

COVID-19/SARS-CoV-2: Effective July 1, 2020, plan administrator has amended the current Public Health Emergency exclusion in the international student insurance policy certificate wording by issuing an endorsement that provides coverage for COVID-19 / coronavirus medical expenses.

Review the Student Health Advantage Insurance Brochure for the summary of benefits table, or the Student Health Advantage Certificate of Insurance sample document for plan description details and more information. Renew Student Health Advantage Standard or extend an existing policy online prior to expiration date, Student Health Advantage Standard Insurance is extendable and renewable up to 48 months (4 years) of continuous coverage.

Student Health Advantage Standard International Student Health Insurance

Student Health Advantage Standard is an affordable choice for international student insurance and the plan is available for students and enrolled in full time academic study or research, and SHA Standard plan offers the connivence of easy monthly payments.

Student Health Advantage Standard international student health insurance plan is designed specifically to meet the needs of international students, academic researchers and scholars. The Student Health Advantage Standard  meets or exceeds most government and visa requirements, plan is available for F-1/F-2 or J-1/J-2 US visa holders Student Health Advantage Standard international student insurance also meets the requirements of many universities and colleges. With two distinct levels of coverage to choose from—SHA Standard or SHA Platinum —students can find the plan that best fits their needs and budget. Each plan option is designed with needs of international students in mind, and includes coverage for student health center, eligible medical expenses, hospitalization, doctor visits, medical evacuation in emergency, repatriation of remains, and whole lot more.

Student Health Advantage Insurance Review

Student Health Advantage Insurance plan review and policy highlights of coverage:

  • Eligibility: International students studying (full-time) outside their home country (age more than 14 days). Medical coverage for students,  deponent spouse and children while studying in USA or abroad.
  • Dependents: Coverage for students, and/or their spouses and unmarried dependent children.
  • Plan Choice:  Offers two levels of benefits:Standard and Platinum.
  • Instant Purchase: Immediate coverage proof available, print virtual ID cards online after purchase.
  • Policy Maximum: Maximum limits up to $500,000 (Standard), and $1,0000,000 (Platinum) option.
  • Deductible: Deductible of $100 per incident/accident per insured member.
  • Coinsurance: No coinsurance with all the SHA plan options.
  • Student Health Center: Access within campus for $5 co-pay only
  • Duration: Minimum certificate period of 5 days to maximum coverage renewable up to 48 months, if minimum of one month is purchased.
  • PPO Network: NO PPO network, freedom to seek treatment with hospital or doctor of your choice.
  • US Visa: Plan meets US student insurance requirements for F-1, F-2, J-1, J-2, M-1. M2 visa.
  • Pre-Existing Conditions: Coverage for pre-existing conditions is available with this plan, provides up to selected Medical Maximum per coverage period, wait period is 6 months with Platinum option, and 12 months with Standard option.
  • Pregnancy/Childbirth: Maternity/newborn care included in coverage in Platinum option.
  • Mental health: Covered and benefits included in Platinum option.
  • Organized Sports: College sports participation is included in coverage in Platinum option, optional add-on in Standard.
  • Coverage Benefits: Hospitalization, surgery, prescription drugs, ambulance service, emergency dental treatment and doctor visits. Covered charges is provided for eligible expenses and/or benefits only, examples include instances of Hospital Room and Board, Intensive Care Unit (ICU), Local Ambulance, Prescription Drugs, Physician visits, Surgeon Fees, Hospital Emergency Room (ER), Pre-admission tests and/or Diagnostics: X-Rays, Labs, MRI, etc. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits. Only eligible expenses and/or benefits are included, not all treatment instances are covered, not all Rx drugs covered including ongoing prescriptions, please refer to the “Exclusions” section as in the “Description of Coverage” sample document for list of plan exclusions.
  • Exclusions: Please refer to the “Description of Coverage” sample document for entire list of excluded items and exact policy term definitions.
  • Underwriter: Policy is underwritten by Sirius International Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.
  • Administrator: Plan is administered by International Medical Group (IMG).