Collegiate Care Silver

Product Plan Overview

Collegiate Care Silver provides student insurance coverage to you when you are temporarily residing outside your home country or country of permanent residence and actively engaged in education or research activities in the USA. Your spouse and dependent children are also eligible for coverage if they are accompanying you and enrolled in your plan. As an international, you are considered “actively engaged“ in education, teaching, or research activities if you are one of the following: F1/J1/H1 Visa holder; undergraduate registered for and attending classes on full time basis; graduate student; student involved in education, educational activities, or research related activities; scholar; researcher; or teacher who is invited by an educational organization. For students to be eligible you must be actively attending classes for at least the first 31 calendar days after the date for which your coverage is purchased. Home study, correspondence, internet classes, and television courses do not fulfill the eligibility requirements of Collegiate Care Plans. The student, scholar or teacher must be enrolled to cover a spouse and/or children. Permanent residents (green card holders) and US Citizens are not eligible for this Plan. It is only available for internationals while in the USA. Please be sure to check the benefits and policy exclusions. Upon effective date - this plan is fully earned and non-refundable. There are no partial refunds.

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Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.

Maximum for all Medical Expense Per Injury or Sickness

IN NETWORK

$150,000 per Sickness or Injury             $400,000 Annual Maximum                  (Motor Vehicle Accident Maximum: $10,000 per Period of Insurance)

OUT OF NETWORK

$150,000 per Sickness or Injury             $400,000 Annual Maximum                     (Motor Vehicle Accident Maximum: $10,000 per Period of Insurance)

Deductible - Per Injury or Sickness

$45 if first treated by the Student Health Center

$100 if not first treated by the Student Health Center

$45 if first treated by the Student Health Center

$100 if not first treated by the Student Health Center

Coinsurance

Refer to below for specifics

Refer to below for specifics

Maximum Benefit Period

13 weeks from the date first treated

13 weeks from the date first treated

1) Physician Visit (Inpatient) or Outpatient

100% of the Preferred Allowance up to $50 maximum; 1 visit per day 30 visits maximum

60% of URC up to $50 maximum; 1 visit per day 30 visits maximum

2) Specialist Visits

Same as any other Sickness

Same as any other Sickness

3) Consultation Fee

100% of the Preferred Allowance up to $400 maximum benefit

60% of URC up to $400 maximum benefit

2)Hospital Room & Board

100% of the Preferred Allowance up to $1,000 per day maximum,

30 days per Occurrence, subject to a $100 Co-Pay

60% of URC up to $1,000 per day maximum,

30 days per Occurrence, subject to a $100 Co-Pay

5) ICU Room and Board Charges:

100% of the Preferred Allowance up to $1,525 per day maximum

30 days per Occurrence subject to a $100 Co-Pay

60% of URC up to $1,525 per day maximum

30 days per Occurrence subject to a $100 Co-Pay

6)Hospital Miscellaneous

100% of the Preferred Allowance up to $500 maximum;

30 days maximum per Occurrence

60% of URC up to $500 maximum;  

30 days maximum per Occurrence

7a) Surgeon (In or Outpatient)

100% of the Preferred Allowance up to $3,000 maximum

60% of URC up to $3,000 maximum

7b) Day Surgery – Outpatient

100% of the Preferred Allowance up to $1,000 maximum

60% of URC up to $1,000 maximum

8) Assistant Surgeon

100% of the Preferred Allowance up to 25% of the Surgeon Allowance

60% of URC up to 25% of the Surgeon Allowance

9) Emergency Room

80% of the Preferred Allowance,

$300 Co-Pay waived if admitted

60% of URC

$300 Co-Pay waived if admitted

10) Pre-Admission Testing – within 3 days of admission

100% of the Preferred Allowance up to $900 maximum

60% of URC up to $900 maximum

11) Anesthesia

100% of the Preferred Allowance up to 25% of the Surgeon Allowance

60% of URC up to 25% of the Surgeon Allowance

12) Diagnostic X-Ray and Lab

100% of the Preferred Allowance up to $500 maximum;

Cat Scan, PET Scan or MRI up to $850

60% of URC up to $500 maximum;

Cat Scan, PET Scan or MRI up to $850

13) Physiotherapy – Inpatient or Outpatient

100% of the Preferred Allowance up to $35 per visit,

1 visit per day, 12 visits maximum

60% of URC up to $35 per visit, 

1 visit per day, 12 visits maximum

14) Ambulance Benefit

100% of the Preferred Allowance up to $400 maximum

60% of URC up to $400 maximum

15a) Mental & Nervous Conditions Inpatient

100% of the Preferred Allowance 30 days maximum

60% of URC 30 days maximum

15b) Mental & Nervous Conditions Outpatient

40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance

40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance

16) Alcohol and Drug Abuse In-Patient or Outpatient

100% of Preferred Allowance Same as any other Sickness

60% of URC Same as any other Sickness

17) Emergency Dental

100% of Preferred Allowance up to $500 maximum

60% of URC up to $500 maximum

18) Prescriptions

$100 per Period of Insurance

 

19) Durable Medical Equipment

100% of the Preferred Allowance up to $1,000 maximum

60% of URC up to $1,000 maximum

20a) Emergency Medical Evacuation or Repatriation

100% of actual expense up to $60,000

 

20b) Return of Mortal Remains

100% of actual expense up to $50,000

 

21) Emergency Reunion

100% of actual expense up to $10,000

 

22) Maternity and Pre-natal Care (Conception must occur while covered under the current policy)

100% of Preferred Allowance up to $5,000 maximum for normal delivery;

$7,500 for c section delivery

60% of UCR up to $5,000 maximum for normal delivery;

$7,500 for c section delivery

23) Radiation/Chemotherapy

100% of Preferred Allowance $1,000 maximum

60% of URC up to $1,000 maximum

Accidental Death Benefit– the plan pays $10,000 when your death occurs as a result of accidental injury. Loss of life must result within 90 days of the date of the accident causing such loss. Your coverage under the Policy must be in force on the date of the accident and when loss of life occurs.

Dismemberment Benefit - up to $7,500 If you sustain accidental injury that results in loss of a limb or sight the plan will pay the portion of the Principal Sum shown below. Loss must occur within 90 days of the accident causing such loss.   In the event of more than one loss only one sum, the largest, will be paid.

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  • Up to $500 for expenses incurred in your home country per Period of Insurance 
  • Incidental Trips to your Home Country during the school year are covered
  • 24-Hour Worldwide Assistance Service
  • Refund Provision -  Upon effective date, this plan is fully earned and non-refundable. There are no partial refunds.