| Eligibility
Students, faculty, and scholars engaged full-time in international education
or research activities outside their home country (inbound & outbound)
and who have not applied for permanent residency are eligible to enroll
as participants.
Renewing Coverage
Coverage shall be continuous if acceptable renewal form and premium
are received prior to the expiration of coverage. There is a 31 day
grace period in which to pay the premium due. Premiums will be based
upon the attained age of the covered participant at the time of renewal.
Any Covered Person whose coverage under the Policy lapses after the
grace period shall be subject to all Policy exclusions as of any subsequent
effective date. Renewals may be subject to a minimum premium payment.
This website describes the benefits under the plan
of insurance. This is not a contract of insurance. Coverage is governed
by a policy of blanket accident and sickness insurance underwritten
by UniCare Life & Health Insurance Company. Complete information
on the Gold Plan is contained in Policy No. U11-65-09 and Silver Plan
No. U1164-09, The new Gold Plan is & Silver Plan is which will be
provided to you as evidence of coverage under the policy. Coverage may
vary based on state laws.
Policy Exclusions
Pre-existing conditions: Pre-existing condition means any Injury or
Sickness which had its origin or symptoms, or for which a Physician
was consulted or for which a treatment or a medication was recommended
or received up to (1) year prior to the covered Person's effective date
of coverage. This insurer does not pay benefits for loss due to a Pre-Existing
Condition during the first one (1) year of coverage. Pre-Existing Conditions
will be covered after the Covered Person has been covered for one (1)
year. This limitation does not apply to the Medical Evacuation Benefit,
the Repatriation of Remains Benefit and to the Bedside Visit Benefit.
- Unless specifically provided for elsewhere under the Policy, the
Policy does not cover loss caused by or resulting from, nor is any
premium charged for, any of the following:
Preventative medicines, routine physical examinations, or any other
examination where there are no objective indications of impairment
in normal health.
- Services and supplies not Medically Necessary for the diagnosis
or treatment of a Sickness or Injury.
- Surgery for the correction of refractive error and services and
prescriptions for eye examinations, eye glasses or contact lenses
or hearing aids, except when Medically Necessary for the Treatment
of an Injury.
- Plastic or cosmetic surgery, unless they result directly from
an Injury which necessitated medical treatment within 24 hours of
the Accident.
- For diagnostic investigation or medical treatment for infertility,
fertility, or birth control.
- Expenses incurred in excess of Reasonable Expenses.
- Expenses incurred for Injury resulting from the Covered Person's
being legally intoxicated or under the influence of alcohol as defined
by the jurisdiction in which the Accident occurs. This exclusion
does not apply to the Medical Evacuation Benefit, to the Repatriation
of Remains Benefit and to the Bedside Visit Benefit.
- Voluntarily using any drug, narcotic or controlled substance,
unless as prescribed by a Physician. This exclusion does not apply
to the Medical Evacuation Benefit, to the Repatriation of Remains
Benefit and to the Bedside Visit Benefit.
- Organ or tissue transplant.
- Participating in an illegal occupation or committing or attempting
to commit a felony.
- For treatment, services, supplies, or Confinement in a Hospital
owned or operated by a national government or its agencies. (This
does not apply to charges the law requires the Covered Person to
pay.)
- While traveling against the advice of a Physician, while on a
waiting list for a specific treatment, or when traveling for the
purpose of obtaining medical treatment.
- The diagnosis or treatment of Congenital Conditions, except for
a newborn child insured under the Policy.
- Treatment to the teeth, gums, jaw or structures directly supporting
the teeth, including surgical extraction's of teeth, TMJ dysfunction
or skeletal irregularities of one or both jaws including orthognathia
and mandibular retrognathia.
- Expenses incurred in connection with weak, strained or flat feet,
corns or calluses.
- Diagnosis and treatment of acne and sebaceous cyst.
- Outpatient treatment for specified therapies including, but not
limited to Physiotherapy and Acupuncture.
- Deviated nasal septum, including submucous resection and/or surgical
correction, unless treatment is due to or arises from an Injury.
- Self inflicted Injuries while sane or insane; suicide, or any
attempt thereat while sane or insane. This exclusion does not apply
to the Medical Evacuation Benefit, to the Repatriation of Remains
Benefit and to the Bedside Visit Benefit.
- Loss due to war, declared or undeclared; service in the armed
forces of any country or international authority; riot; civil commotion;
or acts of terrorism.
- Riding in any aircraft, except as a passenger on a regularly
scheduled airline or charter flight.
- Elective termination of pregnancy.
- Loss arising from participation in professional sports, scuba
diving, hang gliding, parachuting or bungee jumping.
- Medical Treatment Benefits provision for loss due to or arising
from a motor vehicle Accident if the Covered Person operated the
vehicle without a proper license in the jurisdiction where the Accident
occurred.
- GOLD PLAN ONLY: Under the Accidental Death and
Dismemberment provision, for loss of life or dismemberment for or
arising from an Accident in the Covered Person's Home Country.
- Expenses incurred as a result of pregnancy that is not covered.
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