Student Health Advantage Platinum - Including USA

Plan Detail

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius Group, Sirius Specialty Insurance Corporation

  • PPO Network(Within USA or Canada): 80% of Eligible Expenses after the Deductible up to $5,000, then 100% up to policy max.
  • Eligibility:  A Full time Student & Non US Citizen  Age 14-64 travelling USA to study
  • Coverage length: Min 3months to 12months
  • Provider Network: PPO Providers are contracted separately through First Health Group Corp
  • Renew Online: Provided there is no break in coverage, the plan may be renewed for up to five years
  • Cancel: Before effective date full refund and after policy effective date unused portion of premium minus $50 cancellation fees.
  • ID card & Visa Letter comes in email instantly.


The Insured Person shall have five (5) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate. If not completely satisfied, the Insured Person may request cancellation of this insurance retroactive to the Initial Effective Date of Coverage by sending a written request to the Company by email, mail or fax and received by the Company within the Review Period, thereby qualifying to receive a full refund of Premium paid. Upon effectuation of such cancellation and refund, neither the Company nor the Insured Person shall have any further rights, liabilities or obligations under this insurance. After the Review Period, the following conditions apply if the Insured Person wishes to cancel this insurance:

(a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
(b) If no claims have been filed with the Company:

(i) a cancellation fee of fifty dollars ($50.00 USD) will be charged; and
(ii) only Premium covering time periods after cancellation are refundable; and
(iii) only full month Premiums are refundable.

Before Policy Effective Date: Full Refund
After Policy Effective Date (if no claim filed): Unused Portion of Premium (Full Remaining Months Only) - $50 Cancellation Fee

Please send cancellation request at: and copy that email to us. Our email is given on Contact Us page.