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Covid-19 Coverage - Included in all Student & Scholar plans, HCC Atlas Travel and Trawick travel plan
IMG Insurance Review - International Student and Scholar Insurance
By Steve P.
published at: 2020-08-25T02:28:00Z

A guide to help select the best IMG International Student and Scholar Insurance Plan for your needs: TaiAn Patriot Exchange, TaiAn Exchange Select, Student Health Advantage, and Patriot Exchange Program

This review will help you select from the different IMG plans designed specifically for international students and scholars. It will cover plans for people coming to the US who need F visa insurance, J visa insurance, M visa insurance, or OPT insurance. It will also cover IMG insurance selections for people traveling outside the US for educational purposes.

2020 Updates:

COVID-19 is covered by TaiAn Patriot Exchange, TaiAn Exchange Select, Student Health Advantage, and Patriot Exchange Program.

Family Premium (Kids Free) on TaiAn Patriot Exchange and TaiAn Exchange Select - For each adult insured there is no cost for a dependent child under 10. Available on Individual policies. TaiAn Exclusive.

TaiAn Patriot Exchange

The TaiAn Patriot Exchange Plan is designed for non- US citizens traveling outside their home country as international students and scholars.

Why do people choose the TaiAn Patriot Exchange Plan?

  • Choice of Benefit Level - Members can choose a per illness or injury benefit level of $50,000, $100,000, $250,000 or $500,000.  All of the choices come with an unlimited lifetime maximum.  Each illness or injury will be covered to your selected per illness maximum.
  • Choice of Deductible Level - Members can choose a deductible of $0, $100 per illness, $250 annual, or $500 annual.
  • There is no coinsurance - Once you've had covered medical expenses meeting your deductible, additional covered expenses have no coinsurance payment. You can select a $0 deductible and the plan has no coinsurance. With these options covered medical expenses would not have any out of pocket costs!
  • TaiAn Patriot Exchange offers TaiAn special group, individuals join the group and get a 10% discount - Learn More
  • TaiAn Patriot Exchange charges no additional premium for a dependent under 10 years old included on a parent's policy.

IMG Patriot Exchange Program

The IMG Patriot Exchange Program is designed for non- US residents traveling outside their residence country as international students and scholars. It is also designed for US residents traveling overseas for an educational purpose.

Why do people choose the IMG Patriot Exchange Program?

  • Choice of Benefit Level - Members can choose a per illness or injury benefit level of $50,000, $100,000, $250,000 or $500,000.
  • Choice of Deductible Level - Members can choose a deductible of $0, $100 per illness, $250 per illness, or $500 per illness.
  • There is no coinsurance - Once you've had covered medical expenses meeting your deductible, additional covered expenses have no coinsurance payment. You can select a $0 deductible and the plan has no coinsurance. With these options covered medical expenses would not have any out of pocket costs!
  • Coverage for mental health and substance abuse.

Compare TaiAn Patriot Exchange vs Patriot Exchange Program

  • TaiAn Patriot Exchange has kid-free option - Patriot Exchange doesn't have this benefit.
  • Individuals can join TaiAn special group and get a 10% discount - Patriot Exchange doesn't have this benefit.
  • TaiAn Patriot Exchange is less expensive for people coming to the US.
  • Patriot Exchange Program is less expensive for people travelling to a non -US destination.
  • TaiAn Patriot Exchange is not available to US citizens.
  • TaiAn Patriot Exchange annual deductible options have lower out of pocket costs than Patriot Exchange Program per illness deductible options.
  • Patriot Exchange Program has a benefit for mental health and substance abuse.

TaiAn Exchange Select

The TaiAn Exchange Select Plan is designed for non- US citizens traveling outside their home country as international students and scholars.

Why do people choose the TaiAn Exchange Select Plan?

  • Choice of Benefit Level - Members can choose a per illness or injury benefit level of $50,000, $100,000, $250,000 or $500,000.
  • Choice of Deductible Level - Members can choose a deductible of $100 per illness, $250 annual, or $500 annual.
  • There is 20% coinsurance - Compared to the TaiAn Patriot Exchange Plan the TaiAn Exchange Select is less expensive to buy because of the coinsurance.
  • There is a TaiAn Exchange Select Plan available with a 6 month exclusion for pre-existing medical conditions. Some schools require this coverage.
  • There is a TaiAn Exchange Select Plan available with extra coverage for pre-existing conditions after a 12 month wait. Some schools require this coverage.
  • TaiAn Exchange Select offers TaiAn special group, individuals join the group and get a 10% discount - Learn More
  • TaiAn Exchange Select charges no additional premium for a dependent under 10 years old included on a parent's policy.

Student Health Advantage

The Student Health Advantage Plan is designed for non- US residents coming to the US as international students and scholars. It is also designed for US residents traveling overseas for an educational purpose.

Why do people choose the IMG Student Health Advantage Plan?

  • Choice of Benefit Level - Standard benefit level of $300,000 per illness or injury or Platinum level with $500,000 coverage per illness or injury.
  • Choice of Deductible Level - Members can choose a deductible of $100 per illness (Standard Plan) or $25 per illness (Platinum Plan).
  • Pre-existing medical conditions coverage up to the policy limit after the waiting period of 12 months for the Standard plan or 6 months for the Platinum plan.
  • Coverage for mental health and substance abuse.
  • Coverage for maternity expenses with the Platinum Plan for pregnancy where conception is after the plan effective date.

ALL Plans Share These Features

  • All plans meet the US Department of State insurance requirements for J visa holders if you select a $100,000 benefit level or more.
  • United Healthcare Options Network - Provides access to broadest top tier national network in the US with convenient access to simplified claims processing and direct billing.
  • Choice of Medical Provider - You can see any medical provider you choose.  TaiAn Patriot Exchange and Patriot Exchange Program have the same benefits for a network provider or an out of network provider.  TaiAn Exchange Select and Student Health Advantage have better benefits with a network provider.
  • Coverage for illness, injury, medical evacuation, and repatriation of remains.
  • A group plan is available for groups of 5 or more with a 10% to 18% discount depending on the plan.

The typical purchasers are:

  • Students participating in international programs
  • Cultural exchange participants
  • Graduate international students
  • Scholars and educators
  • Dependents (Dependents can buy alone on most plans, but not Student Health Advantage)

Learn more from one of these resources:


TaiAn Student and Scholar page - Plan Side by Side Benefit Comparison
TaiAn Patriot Exchange
TaiAn Exchange Select
Student Health Advantage
Patriot Exchange Program

Content Updated 8/25/2020