Collegiate Care Plans
You are eligible for this international insurance coverage in the USA, if you have a current passport or visa and are temporarily residing outside your home country/country of permanent residence while actively engaged in education or research activities. You are considered “actively engaged“ in education, teaching or research activities if you are one of the following: F1/J1 Visa holder; Undergraduate –registered for and attending classes on full - time basis; Graduate Student; Scholar or researcher who is invited by an educational organization; Students involved in education, educational activities, or research related activities. Students must actively attend classes for at least the first 31 calendar days after the date for which coverage is purchased. Home study, correspondence, internet classes and television courses do not fulfill the eligibility requirements. Your spouse and dependent children are also eligible for coverage if accompanying you and enrolled on your policy.
For purposes of this insurance, if the Eligible Person’s home country or country of permanent residence (passport country) is different from the Eligible Person’s country of permanent residence (location in which the Eligible Person permanently resides), the Eligible Person will not be covered in either location. Permanent residents (green card holders) and US Citizens are not eligible for coverage under this Plan. Home Country will be that country which the Covered Person has declared to Us in writing as his or her Home Country. Injury or Accidents while on an Incidental trips to a country outside the USA, during the period of coverage are covered.
“Pre-Existing Condition” means –an illness, disease or other condition, that in the 12 month period before your coverage became effective under the Policy: 1.manifested itself, worsened, became acute or exhibited symptoms that would have caused a prudent person to seek diagnosis, care or treatment; or 2. required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or 3.treated by a Doctor or treatment had been recommended by a Doctor.
The “Pre-Existing Condition Waiting Period” is 12 months. If you receive treatment or service for a Pre-Existing Condition: a) No benefits will be paid for such condition until the day after a 12 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 12 consecutive month period.