Policy Maximum

Unlimited max.

A policy maximum is the maximum amount that the insurance policy will pay for covered services or expenses.

Deductible

Coverage

Information

In-network (In-Patient)

$100/$500 per year

In-network refers to a health care provider that has a contract with your health plan to provide health care services to its plan members at a pre-negotiated rate.

Out of network (In-Patient)

$500/$750 per year

An out-of-network provider is any healthcare provider or hospital that has yet to sign a contract with your insurance company agreeing to the discounted rates of the insurance agreement.

Student Health Center

Waived

The Student Health Center is your one-stop healthcare clinic on campus.

In-network (Out-patient)

Waived

The basic difference between inpatient and outpatient care is that inpatient care requires a hospital stay and outpatient care does not.

Co-Insurance

Coverage

Information

In-network & SHC

90%:10%

In-network refers to a health care provider that has a contract with your health plan to provide health care services to its plan members at a pre-negotiated rate.

Out of network

70%:30%

An out-of-network provider is any healthcare provider or hospital that has yet to sign a contract with your insurance company agreeing to the discounted rates of the insurance agreement.

Co-Payments

Coverage

Information

On Campus / Hospitilisation

Nil

In-network refers to a health care provider that has a contract with your health plan to provide health care services to its plan members at a pre-negotiated rate.

Physician Visits

$25

An out-of-network provider is any healthcare provider or hospital that has yet to sign a contract with your insurance company agreeing to the discounted rates of the insurance agreement.

Urgent care / Specialists

$50

The Student Health Center is your one-stop healthcare clinic on campus.

Emergency Room

$250

The basic difference between inpatient and outpatient care is that inpatient care requires a hospital stay and outpatient care does not.

Out of Pocket Maximum

Coverage

Information

In-network providers

$5,000

An out-of-pocket maximum refers to the maximum amount an individual must pay out of pocket and not be reimbursed.

Preventive care immunisations

Covered

Information

Preventive care services at (In-network providers)

100% covered

Services in the field of medicine that emphasise staying healthy or early disease detection.

Titers

Covered

Information

Testes for immunizations (including TB test)

Blood tests that evaluate immunity by counting the number of antibodies present in a person's body.

Prescription drugs

Covered

Information

Coverage

$15 Copay for Tier 1 | 30% Coinsurance for Tier 2 | 45% Coinsurance for Tier 3

Medications that can only be obtained with a doctor's prescription.

Travel related coverage

Not Covered

We provide comprehensive travel insurance plans for students and parents traveling from India to any other country. Starting at Rs 85/day

Other coverage benefits

Coverage

Information

Personal accident

$1,250 - $5,000

Any expenses incurred due to accident during a trip abroad. Accident means sudden, unforeseen and involuntary event caused by external, visible and violent means.

AD &D Common Carrier

$1,250 - $5,000

Dental Treatment

$100 Max per tooth, $500 Max Per Policy Year

Only for Accidental injuries to sound and natural teeth

Optional coverage

Coverage

Information

Pre-existing Illness

Covered from day one without any limitations

It is the type of ailment which Insured have suffered from before the start date of the Insurance contract.

Treatment of Mental and Nervous Disorders

Paid as any other sickness

Maternity and Baby Cover

Paid as any other sickness

Information Required

Alcohol Related Disorder

Paid as any other sickness

Disorders related to substance such as alcohol. Coverage for the expenses thereof upto the maximum specified against this benefit is present in some of the Indian Insurance plans.