 |
| Benefits | Participant |
|---|---|
| Medical Expense Coverage | |
| Policy Year Maximum Benefits | $250,000 |
| Lifetime Maximum Benefits | $1,000,000 |
| Deductible (per Injury or Sickness) | $100 (reduced to $50 if first seen at student health center) |
| Basic Medical | 100% up to $5,000 |
| Supplemental Major Medical (SMM) | After Basic Medical, 80% up to an additional $245,000 |
| Outpatient Prescription Drugs | 50% |
| Durable Medical Equipment | Rental or Purchase charges |
| Physician Office Visits |
For Basic, after deductible, 100% of reasonable expenses. For SMM benefit, after deductible, 80% of reasonable expenses. |
| Mental Disorders, Drug/Alcohol Abuse |
$500 Outpatient $5,000 Inpatient |
| Therapeutic Abortion | $500 |
| Motor Vehicle Accident | $10,000 |
| Sports Injuries | $5,000 |
| Ground Ambulance | $350 |
| Routine Care of Newborn Child | $750 |
| Injuries to Sound Teeth | $250/tooth per injury |
| Accidental Death & Dismemberment | $10,000 |
| Medical Evacuation | $100,000 |
| Bedside Visit to Hospitalized Insured | Up to $1,500 for Airfare and Hotel Accommodations |
| Repatriation of Remains | $25,000 |
Services provided in addition to the benefits above
- Access to more than 4,200 contracted physicians in 180 countries outside the U.S., through online search of the HTH International Provider Community.
- Access to hundreds of thousands of doctors inside the U.S., through online search of the Aetna Passport network
- Access to worldwide security information in more than 166 countries and 245 cities
- Access to Drug Translation Guide
- Health and security news alerts
- View More Details
24 Hour/ 7 Day Global Medical Assistance
Eligibility -- Available to participants in full-time international education or research, age 64 or younger -- see Eligibility Requirements.
Renewable Coverage - Coverage is continuous if acceptable renewal form and premium are received by HTH Worldwide Insurance Services prior to the expiration of coverage. There is a 31 day grace period in which to pay the premium due. Limitations apply - see Plan Description - Preferred and Plan Description - Standard.
Pre-Existing Condition Exclusion -- This plan does not pay benefits for loss due to a Pre-Existing Condition during the first one (1) year of coverage (this limitation does not apply to the Medical Evacuation Benefit, the Repatriation of Remains Benefit and to the Bedside Visit Benefit).
For Exclusions and Limitations, and State to State variation in benefits, Plan Description - Preferred and Plan Description - Standard.
Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our Global Student Health Product, simply return your Certificate of Insurance and your ID Card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already used your insurance benefits, you will receive a full refund.
