Medical Coverage

• All eligible inpatient and outpatient medical expenses — physician and specialist visits (1 per day; surgery not subject to visit limit), hospital room and board (average semi-private room rate), intensive care, surgery, and anesthesia
• Outpatient surgical facility, laboratory, radiology, X-ray, chemotherapy, and radiation therapy
• Pre-admission testing
• Reconstructive surgery (incidental to and following a covered surgery)
• Assistant surgeon (20% of primary surgeon's eligible fee)
• Durable medical equipment
• Chiropractic care (medical order or treatment plan required)
• Physical therapy — 1 visit per day maximum; medical order or treatment plan required
• Extended care facility and home nursing care (upon direct transfer from an acute care hospital)
• Prescription drugs and medications — up to $250,000 per period of coverage (student); retail pharmacy: not covered in-network, covered at 50% out-of-network and internationally; 90-day dispensing maximum per retail prescription
• Student Health Center — $5 copay per visit; plan pays 100% after copay; not subject to deductible; mental health services not covered at the student health center
• Hospital Emergency Room (U.S.) — injury not subject to ER deductible; illness subject to a $250 deductible per visit not resulting in direct inpatient admission
• Hospital Emergency Room (International) — 100%, no ER deductible
• Telehealth (Group plans only) — not subject to deductible or coinsurance; applicable inside the United States; mental/nervous disorders not covered via telehealth

Mental Health & Substance Abuse

Mental health support is built in for students navigating the challenges of living and studying far from home.

• Inpatient Mental Health / Substance Abuse — up to $10,000 per period of coverage; not covered if incurred at the student health center
• Outpatient Mental Health / Substance Abuse — up to $50/day; $500 maximum per period of coverage; not covered if incurred at the student health center
• Virtual counseling access available through IMG's assistance network

Sports Coverage

• Intercollegiate, Interscholastic, Intramural, or Club Sports — up to $5,000 per illness or injury per period of coverage; subject to deductible and coinsurance; covers injuries and illness arising from participation in organized school or club sports

Emergency Services

All emergency services paid at 100% regardless of network or location, not subject to deductible unless otherwise noted.

• Emergency Medical Evacuation — up to $500,000; must be approved in advance and coordinated by IMG; no coverage without pre-certification
• Repatriation for Medical Treatment — up to $100,000 in addition to the per illness/injury limit; medically necessary return to home country; must be approved and coordinated by IMG
• Interfacility Ambulance Transfer — 100%; covered for inpatient hospital admissions inside the U.S.; no coverage without pre-certification
• Emergency Local Ambulance — up to $350 per injury or illness resulting in hospitalization; subject to deductible
• Emergency Reunion — up to $50,000 for reasonable travel costs and accommodations for one person to join you when hospitalized; up to 15 days; $25/day meal maximum; must be approved by IMG
• Return of Mortal Remains — up to $50,000 to return remains to your country of residence; local burial or cremation up to $5,000; must be approved by IMG
• Political Evacuation & Repatriation — up to $10,000; must be approved in advance by IMG
• Bedside Visit — up to $1,500 for a visitor's reasonable expenses when hospitalized in the ICU; not subject to deductible

Accidental Death & Dismemberment

• AD&D — $25,000 Principal Sum (student) / $10,000 (spouse) / $5,000 (child); death must occur within 90 days of the accident; not subject to deductible or coinsurance
• Covers loss of sight of one eye or one hand/foot (50%), and various combinations at 100%

Additional Benefits

• Pre-Existing Conditions — charges from pre-existing conditions that existed within the 36 months prior to the effective date are excluded until the insured has maintained 12 continuous months of coverage under this plan
• Personal Liability — up to $10,000 combined; $100 per-incident deductible for injury to or property damage of a third party; secondary to all other insurance; no coverage for related-party injury or property damage
• Incidental Trip — up to 14 days of coverage during a brief return to your country of residence (available only when your country of residence is not the United States)
• Terrorism — up to $50,000; not subject to deductible or coinsurance
• Dental Treatment — up to $350 for unexpected pain to sound natural teeth; up to $500 per injury for non-emergency dental treatment following an accident; not covered in-network in the U.S.
• Traumatic Dental Injury — up to the policy maximum for hospital treatment due to accident; additional dental provider treatment for the same injury paid at 100%

COVID-19

Not specifically excluded — treated the same as any other illness under the plan's terms and conditions.

The Student Health Advantage plan is built specifically for non-U.S. students, scholars, and cultural exchange participants who are living and studying outside their home country. It goes beyond standard travel medical coverage to address the unique, longer-term healthcare needs of students — including sports injuries, mental health, and continuous care across an academic year.

This plan is an excellent fit for:

• International students enrolled at U.S. colleges and universities
• Scholars, researchers, and visiting faculty at U.S. institutions
• J1, J2, F1, and related visa holders requiring compliant health coverage
• Students participating in long-term study abroad or cultural exchange programs
• Dependents (spouses and children) accompanying the student
• Educational institutions and universities seeking a compliant group student health plan
• Students involved in organized sports or intramural athletics

Visa compliance: The Student Health Advantage plan is designed to meet U.S. student, scholar, and cultural exchange program visa insurance requirements, including J1, J2, and F1 visa holders. Confirm specific visa requirements with your school's international student office.

Why Student Health Advantage vs. Patriot Exchange Program: Both plans target the international student market, but Student Health Advantage offers several meaningful upgrades: a significantly higher Emergency Reunion benefit ($50,000 vs. $15,000), a higher Return of Mortal Remains benefit ($50,000 vs. $25,000), differentiated AD&D for the student vs. dependents, built-in Personal Liability coverage, and the fixed $250 deductible structure. It is also the plan most commonly required by U.S. universities for compliance with school health insurance mandates.

Eligibility notes:

• Available to individuals and groups; group plans include Telehealth at no additional cost
• Coverage is available for spouses and unmarried, dependent children
• Maximum period of coverage: 365 days; annually-renewable group long-term plans available
• Area of coverage: worldwide excluding the insured person's country of residence
• Pre-existing conditions excluded until 12 months of continuous coverage is maintained (36-month lookback period)
• Underwritten by SiriusPoint Specialty Insurance Corporation
• Pre-certification required for certain services; failure to pre-certify results in a 50% reduction of eligible expenses; Interfacility Ambulance Transfer and Emergency Medical Evacuation have no coverage without pre-certification

Mobile Device Protection Rider (Individual Plans Only)

Covers repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your studies abroad. Keeps you connected throughout your academic program without the worry of being without your device.

Note: No additional riders beyond Mobile Device Protection are listed for individual plans in the current Certificate of Insurance. Group plans may have additional customizable options — contact us for group plan details.

Provided by International Medical Group (IMG) — 24/7 Global Assistance Services

Every Student Health Advantage plan includes access to IMG's multilingual global assistance team, available around the clock to support international students wherever they are in the world.

To reach IMG Assistance:

• Phone: +1 (317) 655-4500
• Online: www.imglobal.com
• MyIMG Member Portal & Mobile App — manage your plan, submit and track claims, view Explanations of Benefits, and search for providers 24/7

What assistance services include:

• Coordination and pre-authorization of Emergency Medical Evacuation and Repatriation for Medical Treatment
• Coordination of Political Evacuation and Emergency Reunion
• Return of Mortal Remains coordination
• Location of physicians, hospitals, and student health facilities worldwide
• U.S. Board Certified Physicians on staff around the clock
• Multilingual nurses, doctors, and case managers
• Access to virtual counseling and mental health support resources
• U.S. PPO Network (UnitedHealthcare): 1.4M+ physicians, 6,797+ hospitals, 45,000+ clinics, and 67,000 pharmacies for in-network access
• International Provider Access (IPA): 18,550+ physicians and facilities worldwide with direct billing
• Travel Intelligence — location-specific health, security, and safety alerts via the IMG mobile app
• Telehealth (Group plans only) — 24/7 access to board-certified doctors via phone or video for non-emergency medical issues inside the U.S.; not subject to deductible or coinsurance

Important: Emergency Medical Evacuation and Interfacility Ambulance Transfer require advance approval and coordination by IMG — no coverage is provided without pre-certification. Failure to obtain pre-certification for other required services results in a 50% reduction of eligible expenses.

• • • • • Student Health Advantage Certificate of Insurance (Individual — America) — full benefit schedule, provisions, exclusions, and definitions
        • Student Health Advantage Brochure — plan overview and summary of benefits
        • Find a Doctor — search IMG's U.S. and international provider networks

• • • • • Get a Quote / Apply Online (Group)

        The Certificate of Insurance and governing policy documents are the only source of actual benefits provided. This page is a summary for illustration purposes only. Benefits are subject to exclusions, limitations, and Usual, Reasonable, and Customary charge requirements. Underwritten by SiriusPoint Specialty Insurance Corporation. Administered by International Medical Group, Inc. (IMG).

IMG requires claims to be submitted within 180 days of the date a claim is incurred. Claims can be filed online through the MyIMG member portal or by mail.

Step-by-step claims process:

1. Pre-certify when required — contact IMG before scheduled inpatient admissions, surgeries, or other listed services. Emergency Medical Evacuation and Interfacility Ambulance Transfer have no coverage without pre-certification. All other required services are subject to a 50% reduction of eligible expenses if pre-certification is not obtained.
2. Log in to MyIMG at www.imglobal.com/member to complete and submit an IMG Claim Form online. One claim form is required per new illness, diagnosis, or injury.
3. Gather required documentation:
   • Completed IMG Claim Form
   • Universal Billing Forms, Superbills, and itemized statements from all treating providers
   • Original receipts for all costs, medications, and expenses paid out-of-pocket (including provider name, address, phone, date of service, procedure codes, and diagnosis codes)
   • If IMG is secondary payer: copy of the primary insurer's Explanation of Benefits (EOB)
4. Submit within 180 days of the date of service. If additional information is requested by IMG, respond within 60 days to avoid denial.

Claims mailing address:

International Medical Group Attn: Claims Department PO Box 240429 Apple Valley, MN 55124 USA

Appeals: If a claim is denied, you have 90 days from the date of the denial notice to submit a written appeal with supporting documentation to:

International Medical Group Attn: Benefit Review PO Box 240429 Apple Valley, MN 55124 USA

General contact:

Phone: +1 (317) 655-4500 Email: Insurance@imglobal.com Secure messages: www.imglobal.com/secure-message-center Online portal: www.imglobal.com/member

The Student Health Advantage plan includes a free look period — if you are not completely satisfied with your coverage, you may request cancellation and a full refund of premium provided no claims have been filed.

Free Look / Cancellation: The insured person may request cancellation of the Certificate and a refund of premium if not completely satisfied, provided the request is made before any claims have been submitted. A 10-day grace period applies to renewal premium payments — if premium is unpaid at the end of the grace period, coverage lapses from the initial due date. Contact IMG directly to initiate a cancellation request.

In plain terms:

• You may cancel for a full refund before any claims are filed, provided you act promptly after receiving your policy documents
• Once a claim has been submitted, the premium is considered earned for the coverage period
• A 10-day grace period applies to renewal premiums — coverage terminates from the original due date if unpaid, not the end of the grace period
• For renewals: a new pre-existing condition exclusion period may apply

To request a cancellation or refund, contact IMG:

International Medical Group, Inc. 9200 Keystone Crossing, Suite 800 Indianapolis, IN 46240 USA Phone: +1 (317) 655-4500 Email: Insurance@imglobal.com Online: www.imglobal.com/contact

This page is a general summary only and does not supersede the Certificate of Insurance or governing policy documents, which are the only source of actual benefits. Benefits are subject to exclusions, limitations, and Usual, Reasonable, and Customary charge requirements. Underwritten by SiriusPoint Specialty Insurance Corporation. Administered by International Medical Group, Inc. (IMG), 9200 Keystone Crossing, Suite 800, Indianapolis, IN 46240. This insurance is not subject to and does not provide benefits required by PPACA. This insurance is issued pursuant to applicable surplus lines law.