Plan Detail

Plan Administrator: Seven Corners | AM Best Rating: A- "Excellent"  | Underwriter: Nationwide Insurance Company

• Plan best suited - US students studying outside their home country.
• Ages - 31 days to 64 years.
• Coverage length - Minimum 15 days to maximum 364 days.
• ID card - Apply online to get ID card in email.
• Renew - Renew online, by phone, by email, by fax.
• Acute Pre-existing condition coverage up to $25,000.

Exclusions

No Benefit shall be payable for Accident Medical, Sickness Medical, Mental Illness, Alcohol and Drug Abuse, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, and Emergency Medical Reunion, as the result of:

• Any Pre-existing Condition as defined hereunder. This exclusion does not apply to Emergency Medical Evacuation/ Repatriation or Return of Mortal Remains.
• Injury or Illness which is not presented to the Company for payment within ninety (90) days of receiving Treatment;
• Charges for Treatment which is not Medically Necessary;
• Charges provided at no cost to you;
• Charges for Treatment which exceed Reasonable and Customary charges;
• Charges incurred for Surgery or Treatments which are, Experimental/Investigational, or for research purposes;
• Services, supplies or Treatment, including any period of hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
• Suicide or any attempt thereof, self-destruction or attempt thereof while sane or insane (may vary by state of residence.);
• Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:
  • war, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
  • mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.
  • acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto.
  • martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (Lloyd’s of London has alternative exclusionary wording. See program summary for details)
• Injury sustained while participating in professional athletics;
• Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a Disablement established by a prior call or attendance of a Physician;
• Treatment of the Temporomandibular joint;
• Vocational, speech, recreational or music therapy;
• Services or supplies performed or provided by a Relative of yours, or anyone who lives with you;
• Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purposes of this Plan, Treatment of a deviated nasal septum shall be considered a cosmetic condition;
• Elective Surgery which can be postponed until you return to your Home Country, where the objective of the trip is to seek medical advice, Treatment or Surgery;
• Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
• Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
• Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent, unless otherwise covered under this policy;
• Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with Treatment prescribed and directed by a Physician;
• Any Mental and Nervous disorders or rest cures, unless otherwise covered under this policy;
• Congenital abnormalities and conditions arising out of or resulting there from;
• Expenses which are non-medical in nature;
• Expenses as a result of, or in connection with, intentionally self-inflicted Injury or Illness;
• Expenses as a result of, or in connection with, the commission of a felony offense;
• Injury sustained while taking part in mountaineering where ropes or guides are normally used; hang gliding, parachuting, bungee jumping, racing by horse, motor vehicle or motorcycle, snowmobiling, motorcycle/motor scooter riding (whether as a passenger or a driver), scuba diving involving underwater breathing apparatus, unless PADI or NAUI certified, snorkeling, water skiing, snow skiing, spelunking, parasailing and snow boarding;
• Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through an employer to the extent so furnished or paid, or under any mandatory government program or facility set up for Treatment without any cost to you;
• Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this Plan;
• Routine Dental Treatment;
• For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage, unless otherwise covered under this Plan;
• Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof;
• Treatment for human organ tissue transplants and their related Treatment;
• Expenses incurred while in your Home Country, except as provided under the Home Country Coverage and Home Country Extension of Benefits Coverage;
• Expenses incurred during a hospital emergency visit which is not of an emergency nature;
• Injury sustained as the result of the Insured Person operating a motor vehicle while not properly licensed to do so in the jurisdiction in which the motor vehicle accident takes place;
• Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical Treatment for a condition;
• Covered Expenses incurred during a Trip after your Physician has limited or restricted travel;
• Policy does not insure against loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act regardless of any other cause or event contributing concurrently or in any other sequence thereto;
• Sex change operations, or for Treatment of sexual dysfunction or sexual inadequacy;
• Weight reduction programs or the surgical Treatment of obesity.