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IMG Student Medical Insurance PlansFor International Students

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As an international student or scholar, the thrill of studying abroad is extraordinary. Your new surroundings are amazing and you’re involved in new and exciting experiences. You’re seeing and visiting places for the first time, while receiving the benefits of a long-term education.

Caught up in all of the excitement, you may not think about falling ill or becoming injured during your studies. Without warning, your experience abroad can quickly become frightening and risky if you’re not prepared for a medical emergency. As an international student, peace of mind is a priority when you study abroad.

Your educational adventure or cultural exchange program should be enjoyable and gratifying. Maintaining the ability to be flexible and responsive, International Medical Group® (IMG®) has developed Student Health AdvantageSM, an international medical plan designed to specifically meet the needs of international students, scholars, and people involved in long-term educational and cultural exchange programs.

The plan offers a complete package of benefits while outside your home country available 24-hours a day, providing you with Global Peace of Mind®. After all, you are global. Your medical insurance should be too.

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Highlights

Meets U.S. student, scholar and cultural exchange program
visa requirements

Coverage for individuals or groups of five or more participants and their dependents

Mental & nervous disorders and substance abuse coverage

Intercollegiate / interscholastic/intramural or club sports coverage

Maternity coverage (Platinum only)

International emergency care

How Does the United States Affordable Care Act (ACA) Affect Coverage?

Non-U.S. Citizens:

As non-resident aliens, international students, scholars, and people involved in cultural exchange programs on F, J, M and Q visas (and certain family members) are not subject to the individual mandate for their first five years in the U.S.

All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for two years (out of the past six). Since international students are not subject to the mandate, they are eligible to purchase Student
Health Advantage.

U.S. Citizens:

Under ACA, all U.S. citizens, nationals and resident
aliens are required to purchase minimum essential coverage (ACA compliant coverage), unless they are exempt.

Exempt U.S. citizens include U.S. citizens who reside outside of the U.S. for 330 of any 365-day period, or have a tax home (main place of work or employment, or if you don’t have a main place of work or employment, your main residence) in a foreign country, and is a bona fide resident of a foreign country.

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