Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: US students Age up to 64 studying outside their home country.
  • Coverage length: Minimum 15 days to maximum 1 year.
  • Provider Network: Direct Billing through First Health Network
    In PPO network (USA): We will pay 80% of the next $5,000 of eligible expenses after the deductible, then 100% to the overall maximum limit.
    In PPO network (Outside USA): 100% to the certificate period maximum.
  • Renew Online: You may renew your coverage as long as you continue to meet the eligibility requirements.
  • ID card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age (0-64)- $6,00,000

Doctor Visit Up to Policy Maximum
Urgent Care Up to Policy Maximum
Hospital Room and Board Average semi-private room rate, including nursing services.
Ambulance Up to $750 per injury or illness, when covered illness or injury results in hospitalization as inpatient
Prescription 50% of actual charges.

Complete details are given in certificate of insurance.

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Exclusion

  • Routine physical exams
  • Chiropractic treatment, unless ordered in advance by a physician for medically necessary treatment related to a covered injury or illness.
  • Elective termination of pregnancy
  • Mental health disorders if treatment is obtained at a student health center Mental health disorders if treatment is obtained at a student health center Mental health disorders if treatment is obtained at a student health center
  • Congenital illnesses.
  • Sleep apnea or other sleep disorders.

Complete details are given in certificate of insurance.

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Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions)

Up to $25,000 lifetime maximum for eligible medical expenses

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Complete details are given in certificate of insurance

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You may renew your coverage as long as you continue to meet the eligibility requirements. Renewal may be completed within the last 6 months of a certificate period. Deductible and coinsurance must be re-satisfied as of each renewal date. After four years of continuous coverage or any break in coverage, a new plan must be purchased. A new application is required and you must re-satisfy your deductible, coinsurance, pre-existing condition provisions, and all otherbenefit limits. Extensions and renewals must be made online with payment by credit card.

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Premiums will be refunded in full if cancellation request is received prior to the certificate effective date. Premiums may be refunded after the certificate effective date subject to the following provisions:

  • $25 cancellation fee will apply for administrative costs incurred by us; and
  • Only the unused portion of the plan cost will be refunded; and
  • You cannot have filed any claims to be eligible for premium refund.

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You must submit a claim for any expenses to be paid by us. This includes treatment or services for which the medical provider will bill us directly. No payments will be made by us without you first submitting a claim.

Notice of claim, Claimant’s Statement and Authorization, and proof of claim must be mailed to:
Tokio Marine HCC - MIS Group
P.O. Box 2005
Farmington Hills, MI 48333-2005
USA.

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