Policy Maximum

$100k/$300k/$500k/$750

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 per injury/sickness

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)

$100 per injury/sickness

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

$100 per injury/sickness

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

In-network (Out-patient)

$100 per injury/sickness

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

100%:0%

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

100%:0%

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

Nil

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

Nil

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

Emergency Room

Nil

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/Out-of-network providers

$100 Deductible Per Treatment

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

Preventive care immunisations

Not Covered

Information

Preventive care services at (In-network providers)

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

Prescription drugs

Covered

Information

Coverage

Upto the Policy Maximum

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

Travel related coverage

Coverage

Information

Loss of Checked In Baggage

Upto $1000

Total loss of checked-in baggage during travel.

Loss of Passport

Upto $250

Total loss of passport during travel.

Loss of Laptop

Upto $500

Total loss of laptop during travel.

Other coverage benefits

Coverage

Information

Personal accident

Upto $25,000

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

Personal liability

Upto $150,000

In case of insured becomes legally liable to a third party under statutory liability provisions in private law for an incident which results in death, injury or damage to the health of such third party or damage to his/her properties.

Sponsor Protection

Upto $10,000

Coverage of sponsored student's tuition costs in the event of the sponsor's death.

Study interruption

Upto $10,000

Any expenses related to tuition fee in the event of hospitalization or death of any family member.

Two-way compassionate visit

Upto $7,500

Any expenses in the event of visit by one Immediate family member on compassionate grounds.

Bail bond

Upto $500

Bond to be paid to the appropriate authority/court as the bail amount towards the arrest or detention for a bailable offence by the police/judicial authorities of the place at which he has specified in the proposal form whilst.

AD &D Common Carrier

Upto $3000

Dental Treatment

Upto $500

Only for Accidental injuries to sound and natural teeth

Optional coverage

Coverage

Information

Pre-existing Illness

$20,000 - $40,000

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

$20,000 - $40,000

Maternity and Baby Cover

$10,000 - $25,000

Information Required

Alcohol Related Disorder

$20,000 - $40,000

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.