बीमा तुलना 2026
ISO छात्र स्वास्थ्य बीमाबनामIMG Patriot Exchange Program
लाभ, लागत और कवरेज विवरण की स्वतंत्र तुलना।
✓ आधिकारिक पॉलिसी दस्तावेज़ों पर आधारित✓ अपडेटेड अप्रैल 2026✓ स्वतंत्र तुलना
अनुशंसित प्लान की तुलना: ISO छात्र स्वास्थ्य बीमा ISO Gold गोल्ड योजना। प्रत्येक प्रदाता कई स्तर प्रदान करता है।
| विशेषता | सबसे सस्ताISO छात्र स्वास्थ्य बीमाविवरण देखें | IMG Patriot Exchange Program — छात्र स्वास्थ्य बीमाविवरण देखें |
|---|---|---|
$49 | from $56 | |
USD | USD | |
$50,000, $100,000, $250,000, $500,000, or $5,000,000 (your choice) | ||
$500 in-network; $750 out-of-network | $0, $100, $250, or $500 per illness/injury | |
Up to $250,000 per period; 90-day max per retail prescription | ||
Up to $60,000 | Up to policy maximum for evacuation; $25,000 for return of remains | |
Inpatient up to $10,000; outpatient $50/day, $500 max | ||
Up to $350 for unexpected pain to natural teeth; up to $500 from accident | ||
up to 64 years | ||
संयुक्त राज्य अमेरिका में F-1, J-1, M-1 वीजा या OPT स्थिति के साथ पूर्णकालीन अंतर्राष्ट्रीय छात्र | F-1, F-2, J-1, J-2, M-1, M-2, A-1 या A-2 वीजा धारक, 31 दिन से 64 वर्ष की आयु, जो अपने देश के बाहर अध्ययन या सुविधा कर रहे हैं | |
12 महीने की निरंतर कवरेज के बाद कवर किया जाता है — प्रति अवधि $500 तक, आजीवन अधिकतम $1,500 | ||
| देखेंISO छात्र स्वास्थ्य बीमा → | देखेंIMG Patriot Exchange Program — छात्र स्वास्थ्य बीमा → |
IMG Patriot Exchange Program — छात्र स्वास्थ्य बीमाविवरण देखें
$49
from $56
USD
USD
$50,000, $100,000, $250,000, $500,000, or $5,000,000 (your choice)
$500 in-network; $750 out-of-network
$0, $100, $250, or $500 per illness/injury
Up to $250,000 per period; 90-day max per retail prescription
Up to $60,000
Up to policy maximum for evacuation; $25,000 for return of remains
Inpatient up to $10,000; outpatient $50/day, $500 max
Up to $350 for unexpected pain to natural teeth; up to $500 from accident
up to 64 years
संयुक्त राज्य अमेरिका में F-1, J-1, M-1 वीजा या OPT स्थिति के साथ पूर्णकालीन अंतर्राष्ट्रीय छात्र
F-1, F-2, J-1, J-2, M-1, M-2, A-1 या A-2 वीजा धारक, 31 दिन से 64 वर्ष की आयु, जो अपने देश के बाहर अध्ययन या सुविधा कर रहे हैं
12 महीने की निरंतर कवरेज के बाद कवर किया जाता है — प्रति अवधि $500 तक, आजीवन अधिकतम $1,500
FAQ
अक्सर पूछे जाने वाले प्रश्न
ISO plans are accepted by over 3,200 U.S. universities for the insurance waiver. Always check your specific school's waiver criteria — Platinum and Gold meet most requirements (unlimited annual max), while Silver may not satisfy schools requiring no per-condition cap.
Silver ($31/month) is the cheapest with a $400,000 annual cap and $150,000 per condition. Gold ($49) has unlimited annual maximum and $300,000 per condition. Platinum ($85) is the most comprehensive with unlimited annual max, $500,000 per condition, lower deductible ($250), and unlimited evacuation/repatriation.
Yes, all ISO plans use the Aetna Passport PPO network. This means you can visit Aetna network doctors and hospitals across the U.S. with direct billing — no upfront payment required for covered services.
All three ISO plans cover pre-existing conditions after 6 months of continuous coverage. This is more generous than many competitors that require 12 months — useful if you have ongoing health needs.
Both. The plan was designed primarily for J-1 exchange visitors but is also widely used by F-1 students. F-1 students are not legally required to carry insurance under U.S. immigration rules — but most universities require it. Check with your school whether Patriot Exchange meets their waiver criteria.
For most full-time graduate students staying 6–12 months, $250,000–$500,000 is the best balance of cost and protection. Short-term programs may use $100,000. The $5,000,000 tier offers maximum peace of mind for high-risk activities or universities with strict requirements. Note: U.S. healthcare is expensive — going below $250,000 is risky for serious accidents.
When you visit a UnitedHealthcare Options PPO doctor or hospital, IMG often handles direct billing — you pay only your copay/deductible at the desk. Outside the network, you pay upfront and submit claims. The network covers most major U.S. cities and universities.
Yes. F-2 and J-2 dependents can be added to the policy. Importantly, F-2 or J-2 dependents can also buy their own Patriot Exchange policy independently — even if the F-1 or J-1 main visa holder is on a different plan.
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