Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility: US/Non US Citizen active participant in a study and exchange program or spouse of the participant outside their Country of citizenship.
  • Coverage Length: Min 1 month to 48 Months.
  • Renew: whose initial Period of Coverage is at least one (1) month can request coverage under this insurance plan to be renewed monthly for up to 12 month periods and a maximum of forty-eight.
  • Provider Network: All PPO Providers are contracted separately through First Health Group Corp.
  • ID card & Visa Letter comes in email instantly.

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  • Doctor Visit: Up to policy max.
  • Urgent Care: Up to policy max.
  • Hospital room and board: Up to the average semi-private room rate, including nursing service
  • Local Ambulance: Up to policy max.
  • Emergency Room Accident: Up to policy max An additional Deductible of $250 will be applied for each Emergency Room visit for Treatment of an Illness which does not result in inpatient status.
  • X-rays & Lab Services: Up to policy max.
  • Physical Therapy: Up to policy max.

Complete details are given in certificate of insurance.

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  • Routine physical exams
  • Any wilfully Self-inflicted Injury or Illness.
  • Any sexually transmitted or venereal disease
  • Any Substance Abuse except as otherwise expressly set forth
  • Any sleep disorder, including without limitation sleep apnea
  • Any efforts to keep a donor alive for a transplant procedure
  • Any artificial or mechanical devices designed to replace human organs temporarily or permanently after termination of Inpatient status

Complete details are given in certificate of insurance.

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If condition existed within thirty-six (36) months prior to Effective Date, Charges are excluded until after twelve (12) months of coverage and then $500 Maximum Limit Per Period of Coverage and $50,000 Maximum Limit per lifetime.

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic, or recurring complications or consequences related thereto or resulting or arising there from.

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The Insured Person shall have five (5) days from the Initial Effective Date of Coverage (the “Review Period”) to review the benefits, conditions, limitations, exclusions and all other Terms of the Master Policy as evidenced and outlined by this Certificate.

After the Review Period, the following conditions apply if the Insured Persons wishes to cancel this insurance:

  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company,
    • a cancellation fee of US$50.00 will be charged; and
    • only full month premiums will be considered as refundable.

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Renew

If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to 48 months. Renewals may be completed online or by using a paper application.

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The Insured Person and/or Physician, Hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred to submit a complete Proof of Claim, and the Company at its option may pend resolution and adjudication of submitted claims and/or may deny coverage: for Proofs of Claim submitted thereafter; or for incomplete Proofs of Claim; and/or for failure to submit a Proof of Claim; provided, however, that the Company at its option may waive the requirements regarding submission of a new Claim Form for subsequent claims incurred by an Insured Person relating to a continuing Illness, Injury or other medical condition for which a properly completed and signed Claim Form has previously been submitted and received.

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