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INTERNATIONAL - PPO DOCTOR/HOSPITAL
RENEWAL/EXTENSION LINKS
Reliable Protection. You’re busy — you’re studying or teaching abroad! The last thing you need to worry about is medical coverage. With Student Express®, you receive the benefits you need for a small daily fee:
Are you eligible to buy?
To buy Student Express®, you must be involved in full-time educational or research activities.
MEDICAL COVERAGE |
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We cover injuries and illnesses which occur during your coverage period. Benefits are paid in excess of your deductible and coinsurance, up to your medical maximum. Initial treatment must occur within 30 days of your injury or the onset of your illness. |
EMERGENCY MEDICAL EVACUATION* |
If medically necessary, we will:
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RETURN OF REMAINS* |
We will return your remains to your home country if you should die while traveling. If you utilize this benefit, the local cremation or burial benefit will not apply. |
LOCAL CREMATION OR BURIAL* |
We will pay for preparation, local burial or cremation at the place of death, in accordance with your cultural and religious beliefs. If you utilize this benefit, the Return of Remains benefit will not apply. |
EMERGENCY MEDICAL REUNION* |
If you require an emergency medical evacuation, we will send one person of your choice to be at your side while you are hospitalized. |
POLITICAL EVACUATION* |
If a formal recommendation is made for you to leave your host country, we will transport you to your home country. This benefit will not apply if a formal Travel Warning is in effect on or within 6 months prior to your arrival in your host country. |
TERRORISM |
If you are injured as a result of terrorist activity, we will provide benefits if the following conditions are met:
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MENTAL ILLNESS |
Inpatient care includes: 1) room and board and nursing; 2) diagnosis
and treatment by a physician; 2) cost and administration of anesthetics;
4) medication, x-rays, laboratory tests and services, oxygen, medical
treatment; 5) drugs and medicines that can only be obtained with a
written prescription from a physician.
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NONCONTACT AMATEUR SPORTS |
Covered Sports are: tennis, squash, ultimate frisbee, kickball, volleyball, track & field, water-polo, baseball, basketball, aerobics, dancing, sailing, sea kayaking/canoeing, horseback riding, surfing, snow skiing, snowboarding, roller skating, rollerblading, and swimming. |
PERSONAL LIABILITY |
We will pay for eligible court-entered judgments or settlements (settlements must be approved by us) that are related to the personal liability you incur for acts, ommissions, and other occurrences for losses or damages caused by your negligent acts or omissions that result in: 1) injury to a third person; 2) damage or loss to a third person’s personal property; 3) damage or loss to a related third person’s personal property. (See the plan document for conditions and restrictions applicable to this benefit.) |
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) |
Pays benefits for death, loss of limbs, or loss of sight due to an accident occurring while on your trip. |
HOME COUNTRY COVERAGE |
INCIDENTAL TRIPS - Provides up to 30 days of coverage for an illness or
injury which occurs in your home country while you are on an incidental trip.
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ACUTE ONSET OF A PRE-EXISTING CONDITION & EMERGENCY MEDICAL EVACUATION FOR ACUTE ONSET OF A PREEXISTING CONDITION |
You are covered for an acute onset of pre-existing conditions that occur
after your coverage start date and while you are outside your home country
if you receive treatment within 24 hours of the sudden and unexpected
recurrence. Coverage is available for eligible medical expenses until the
condition is no longer acute or you are discharged from the hospital. This
benefit covers one acute episode per pre-existing condition. It also covers
emergency medical evacuation as shown in the schedule. This benefit
does not cover known, scheduled, required, or expected medical care,
drugs or treatments existent or necessary prior to your period of coverage.
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Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.07 | $1.07 | $1.07 | $1.24 | $1.24 | $1.24 | $3.21 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
---|---|---|---|---|---|---|---|
Participant | $1.13 | $1.13 | $1.13 | $1.30 | $1.30 | $1.30 | $3.38 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
---|---|---|---|---|---|---|---|
Participant | $1.05 | $1.05 | $1.05 | $1.40 | $1.40 | $1.40 | $3.58 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
---|---|---|---|---|---|---|---|
Participant | $1.31 | $1.31 | $1.31 | $1.52 | $1.52 | $1.52 | $3.65 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.15 | $1.15 | $1.15 | $1.33 | $1.33 | $1.33 | $3.46 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.28 | $1.28 | $1.28 | $1.48 | $1.48 | $1.48 | $3.85 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.22 | $1.22 | $1.22 | $1.41 | $1.41 | $1.41 | $3.65 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.35 | $1.35 | $1.35 | $1.56 | $1.56 | $1.56 | $4.06 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
---|---|---|---|---|---|---|---|
Participant | $0.94 | $0.94 | $0.94 | $1.01 | $1.01 | $1.01 | $2.47 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.04 | $1.04 | $1.04 | $1.09 | $1.09 | $1.09 | $2.85 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.17 | $1.17 | $1.17 | $1.52 | $1.52 | $1.52 | $3.26 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.46 | $1.46 | $1.46 | $1.90 | $1.90 | $1.90 | $4.07 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.81 | $1.81 | $1.81 | $2.36 | $2.36 | $2.36 | $5.05 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.91 | $1.91 | $1.91 | $2.49 | $2.49 | $2.49 | $5.33 |
Age | 31 days - 11 | 12 - 18 | 19 - 23 | 24 - 30 | 31 - 40 | 41 - 50 | 51 - 64 |
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Participant | $1.48 | $1.48 | $1.48 | $1.80 | $1.80 | $1.80 | $3.61 |
Non-U.S. Citizens and U.S Citizens |
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If you are a student, visiting faculty, or scholar between 31 days and 64 years of age who is temporarily residing outside your home country, you may buy this plan. You must remain engaged in full-time educational or research activities outside your home country while covered. Educational or research activities include educational, vocational, cultural exchange, or training programs.
You may also purchase coverage for your dependents, including your lawful spouse and children, if you are covered on the plan. Lawful spouse includes domestic partner or civil union partner. Children include unmarried children over 30 days and under 19 years or under 25 years if attending an accredited institution on a full-time basis and/or wholly dependent on you for maintenance and support. |
Length of Coverage |
Your coverage length may vary from 5 to 364 days. You may continue to renew coverage beyond 364 days as long as you are eligible for the plan. Coverage Start Date - This is the start date of your policy. Coverage begins at 12:01 AM North American Eastern Time on the later of the following dates: 1) the day after we receive your application and correct premium if you apply and pay online or by fax; 2) the day after the postmark date of your application and correct premium if you apply and pay by mail; 3) the moment you depart your home country; 4) the date you request on your application. Coverage End Date - Your coverage ends on the earlier of the following: 1) your return to your home country (except for Home Country Coverage); 2) the end of the coverage period purchased; 3) the expiration of 364 days from your coverage start date; 4) the date shown on your ID card; 5) when you are no longer eligible for coverage; 6) when the maximum benefit amount has been paid; 7) the date you request in writing that your coverage end; 8) the date you become a permanent residence of your host country; 9) the date you report for full-time active duty in any armed forces. Continuing Coverage - If you initially buy less than 364 days of coverage, you may purchase additional time, to a total of 364 days. Your initial coverage start date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. We will send a renewal notice to your email address, giving you the option to extend your plan. A non-refundable $5.00 administrative fee will be added for each renewal. |
Filing A Claim |
Filing a claim is easy! Simply send the itemized bill to Seven Corners within 90 days of service, along with a completed claim form. Payments are automatically converted from local currencies to U.S. dollars. |
Refund Of Premium |
We will provide a refund of your plan cost if we receive a written request from you prior to your coverage start date. If we receive your written request after your coverage start date, the unused portion of your plan cost may be refunded minus a cancellation fee if you have not submitted any claims. |
Pre-notification |
You or your medical service provider must notify Seven Corners Assist prior to any medical treatment in the U.S. and all hospital admissions and inpatient/outpatient surgeries worldwide. For an emergency admission, we must be contacted within 48 hours or as soon as reasonably possible. Pre-notification does not guarantee that benefits will be paid. |
Important Information |
Please be aware that this is not a general health insurance plan, but an interim, limited benefit period, travel medical plan intended for use while away from your home country. This website is intended as a brief summary of benefits and services. It is not your plan document. If there is any difference between this website and your plan document, the provisions of the plan document will prevail. Benefits and premiums are subject to change. Patient Protection and Affordable Care Act:This insurance is not subject to, and does not provide certain insurance benefits required by the United States Patient Protection and Affordable Care Act (“PPACA”). The insurance benefits provided by this plan are stated in your plan documents and do not include additional benefits required by PPACA. The PPACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances penalties may be imposed on U.S. residents and citizens who do not maintain PPACA compliant insurance coverage. You should consult your attorney, insurance agent or tax professional to determine if the PPACA’s requirements are applicable to you. |
About Your Insurance Company |
Student Express is underwritten by Certain Underwriters at Lloyd’s, London*, an established organization with an A.M. Best rating of "A" (Excellent). *We cannot provide coverage if you provide a mailing or residence address in one of these countries: Canada, Australia, Switzerland, United States Virgin Islands, Syria, or Iran.
Seven Corners, Inc. |
Below is a list of the exclusions in your policy. You can view a sample certificate online. View a sample plan document.
No Benefit shall be payable for Accident Medical, Sickness Medical, Mental Illness, Alcohol and Drug Abuse, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, and Emergency Medical Reunion, as the result of:
We can give you a call back when you are ready to chat. Please share your details below.
You can call us toll-free at 1-800-344-9540 or 1-847-897-5120
WhatsApp us at 1-847-897-5120
Our email is info@visitorsinsurance.com
Hours of Operation :
9:00 AM - 5:30 PM CST
(Monday – Friday)