Medical Plans for Students going outside U.S.

Plan | Special Features |Optional Benefits | Plan Features | Company Profiles

	Carrier   Plan           Quote (link to carrier) Brochure View PDF View PDF View PDF View PDF           Special Features Preexisting Condition Coverage No No No Full coverage if you have a primary health plan Sudden & Unexpected Preexisting Condition Coverage $15,000 $20,000 maximum $15,000 maximum Full coverage if you have a primary health plan Online Provider Search Yes No Yes Yes Online Health & Safety Tools No No Yes Yes Renewable Yes - up to 2 years Yes - Up to 3 years Yes N/A Terrorism Coverage Yes, up to $50,000 Yes, limited to certain states Yes, up to $50,000 Included Claim Precertification Required Yes Yes Yes No Incidental Home Country Rider Included Included Included N/A           Optional Benefits Hazardous Sports Rider Yes Yes Yes Limited benefits included                     Quote (link to carrier) Brochure View PDF View PDF View PDF View PDF           Plan Features Assistance Services 24/7 Multilingual Emergency Assistance 24/7 Multilingual Emergency Assistance 24/7 Multilingual Emergency Assistance 24/7 Multilingual Emergency Assistance Emergency Medical Evacuation Policy Maximum $300,000 $500,000 $500,000 Medical Expenses Covered Covered Covered Covered Outpatient Medical Expenses Covered Covered Covered Covered Hospitalization Average Semi-private Room Rate Average Semi-private Room Rate Average Semi-private Room Rate Average Semi-private Room Rate Surgery Covered Covered Covered Covered AD&D $25,000 $25,000 $25,000 $50,000 Repatriation of Remains $50,000 $300,000 Policy Maximum $25,000 Lost Luggage $250 Limit $250 Limit $250 Limit N/A                     Quote (link to carrier) Brochure View PDF View PDF View PDF View PDF           Company Profiles IMG Seven Corners HCC Medical Insurance Services HTH Worldwide Ratings A  A.M Best      A- Standard & Poor's Nationwide is rated A+  by AM Best and Lloyds is rated (for the restricted states) A- A  A.M Best      A Standard & Poor's A-  A.M Best Location Indianapolis, IN Carmel, IN Indianapolis, IN Pittsburgh, PA Insurance Carrier SIRIUS International Insurance Corporation Nationwide & Lloyd's of London (Depending upon state) Lloyd's London HM Life Insurance Company

Notes

The notes below apply to all plans listed in this comparison.

• This is only a summary. Consult brochure and/or policy for benefit details.
• All plans have limitations and restrictions.
• OvernightCampInsurance would be happy to provide you with a sample policy contract.
• Benefits for medical expenses are in accordance to the plans covered expenses.
• Travel insurance should be used as a supplement to a primary health insurance plan while traveling outside one's home country.
• Certain benefits and services, like emergency medical evacuation, must be handled by the carrier.