PLAN INFORMATION & HIGHLIGHTS - Standard Short-Term Travel Plan |
Plan Maximum |
Choice of $50,000, $250,000 or $500,000 per illness or injury with a Lifetime Maximum of $5,000,000 |
Coinsurance |
No coinsurance |
Deductible |
$100 per Illness or Injury |
Treatment Period |
60 days per chronic illness |
MyIMGSM |
24 hour secure access from anywhere in the world to manage your account at anytime |
International Emergency Care |
A wide range of international emergency benefits available including emergency evacuation, emergency reunion, and return of mortal remains |
Dependent Coverage |
Coverage provided for dependents of faculty, scholars, students and exchange participants |
Optional Add-on Plan |
Additional coverage is available for high school sports, personal liability and legal assistance |
Pre-existing Conditions |
Available to U.S. and non-U.S. citizens - see Additional Benefits for more information |
MEDICAL BENEFITS |
*Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment. |
Hospital Room and Board |
Up to semi-private room rate |
Hospital Intensive Care |
URC* |
Physical Therapy |
URC* - 1 visit per day |
Physician Visit |
URC* |
StudentHealthCenter |
$5 co-pay per visit |
Prescription Drugs |
URC* |
Eligible Medical Expenses |
URC* |
Emergency Room |
URC* |
 |
Emergency Room Illness with In-patient Admission |
URC* |
Emergency Room Illness without In-patient Admission |
Additional $250 deductible |
 |
Dental |
 |
INTERNATIONAL EMERGENCY CARE |
When coordinated through the Plan Administrator |
Emergency Medical Evacuation |
$50,000 Lifetime Maximum |
 |
Emergency Reunion |
$5,000 Lifetime Maximum |
 |
Return of Mortal Remains |
$25,000 |
 |
Political Evacuation |
Up to $10,000 |
 |
ADDITIONAL BENEFITS |
Accidental Death |
$25,000 |
Dismemberment |
$25,000 two limbs;
$12,500 one limb |
Terrorism Coverage |
Up to $50,000 Lifetime Maximum |
 |
Sudden Recurrence of a Pre-existing Condition (U.S. citizens) |
 |
Pre-existing Conditions (For U.S. citizens, this benefit will begin when the Sudden Recurrence benefit is exhausted) |
$500 per year; $50,000 lifetime maximum - after 12 months of continuous coverage |
Incidental Home Country Coverage |
Up to a cumulative two weeks |
 |
OPTIONAL ADD-ON PLAN |
Baggage |
 |
Legal Assistance |
 |
Personal Liability |
 |
Damage to third person property |
$500 limit after $100 deductible. Secondary to any other insurance in force |
Limited High School Sports Coverage |
URC* |