A COVID-19 Update: International Student Insurance
This is a sensitive and stressful time for schools and students. For those schools with international programs, you might wonder how to protect your international students if they cannot return home.
Should you need to house students longer than originally planned, even during school breaks, we have negotiated with Chubb to allow your International Student Accident & Health insurance to extend to students and schools in need.
Hopefully this will not impact many of our schools. But if you need it, we’re here. Contact Tascha Gourley, International Student Health Manager, at Tascha@isminc.com or 302-897-5738, to discuss the process for extending your coverage.
International Student Accident and Sickness
With three levels of kindergarten through grade 12 (K-12) coverage, there's an ISM plan for you—select the plan that meets your needs! In addition to ISM's friendly, experienced customer service, all plans offer up to $250,000 ($500,000 Gold Plan) of sickness/accident coverage, full coverage (100% of usual and customary charges) emergency medical evacuation, $25,000 or $50,000 of sports coverage (based on maximum selected by the school), and up to $1,000 of home country coverage.
Coverage is designed for students in grades K-12. Not all coverage is available in all states. Please contact us for details of coverage options in your state.
Plan Options
| Plan Levels | Bronze Plan The policy pays: (All percentages specified below are based on the customary charges incurred, except as stated otherwise.) |
Silver Plan The policy pays: (All percentages specified below are based on the customary charges incurred, except as stated otherwise.) |
Gold Plan The policy pays: (All percentages specified below are based on the customary charges incurred, except as otherwise.) |
| Accidental Death and Dismemberment Principal Sum | $10,000 | $10,000 | $10,000 |
| Total Maximum per Covered Accident and Sickness | $250,000 | $250,000 | $500,000 |
| Total Maximum per Covered Accident for Interscholastic/Intercollegiate Sports | $25,000 or $50,000 (based on maximum selected by the school) | $25,000 or $50,000 (based on maximum selected by the school) | $25,000 or $50,000 (based on maximum selected by the school) |
| Wellness Benefits Not all plans include wellness benefits |
Bronze Plan | Silver Plan | Gold Plan |
| Routine Physical Exam | 100% of U&C | 100% of U&C | 100% of U&C |
| Pediatric dental care (exam, cleaning, fluoride treatment) | 100% of U&C | 100% of U&C | 100% of U&C |
| Pediatric vision care (exam, frames) | 100% of U&C | 100% of U&C | 100% of U&C |
| Immunization vaccines | 100% of U&C | 100% of U&C | 100% of U&C |
| Alcohol, drug use and behavioral assessments | 100% of U&C | 100% of U&C | 100% of U&C |
| Blood pressure screening | 100% of U&C | 100% of U&C | 100% of U&C |
| Depression screening | 100% of U&C | 100% of U&C | 100% of U&C |
| Emergency Medical Benefit (guarantee of payment) | up to $10,000 | up to $10,000 | up to $10,000 |
| Deductible per Policy Term | $200 | $0 | $0 |
| Home Country Extension Benefit Maximum Benefit Period: 35 days | $1,000 35 days |
$1,000 35 days |
$1,000 35 days |
| Accident and Sickness Co-insurance Rate | 80% of U&C up to $5,000 then 100% of U&C | 100% of U&C | 100% of U&C |
| Acupuncture and physiotherapy charges | $2,500 100% of U&C | $2,500 | $2,500 |
| Maximum per person home country coverage | $1,000 | $1,000 | $1,000 |
| Accidental Sickness Benefit percentage | 80% of U&C | 100% of U&C | 100% of U&C |
| Acupuncture and physiotherapy charges | $2,500 | $2,500 | $2,500 |
| Medical Expense | Bronze Plan | Silver Plan | Gold Plan |
| Hospital room and board expense covered |
80% of U&C | 100% of U&C | 100% of U&C |
| Intensive care unit expense | 80% of U&C | 100% of U&C | 100% of U&C |
| Hospital miscellaneous expense | 80% of U&C | 100% of U&C | 100% of U&C |
| Inpatient hospital/emergency room services |
80% of U&C | 100% of U&C after $75 co-pay | 100% of U&C |
| Diagnostic x-ray and lab expense | 80% of U&C | 100% of U&C | 100% of U&C |
| Ambulance expense benefit | $1,000 including ground | $1,000 including ground | $1,000 including ground |
| Accidental dental expense | $200 per tooth $500 covered accident |
$200 per tooth $500 covered accident |
$200 per tooth $500 covered accident |
| Surgical expense benefit (inpatient/outpatient) |
80% of U&C | 100% of U&C | 100% of U&C |
| Physician office visit | 80% of U&C of actual charge | 100% of U&C after $25 co-pay | 100% of U&C |
| Chiropractor expense benefit | $50 per visit, $1,000 policy term |
$50 per visit, $1,000 policy term |
$50 per visit, $1,000 policy term |
| Outpatient hospital/emergency room services | 80% of U&C | 100% of U&C after$75 co-pay | 100% of U&C |
| Outpatient prescription drug | 100% of U&C charges up to a maximum of $2,000 | 100% of U&C charges up to a maximum of $2,000 | 100% of U&C charges up to a maximum of $2,000 |
| Mental and Nervous Disorders | Bronze Plan | Silver Plan | Gold Plan |
| Inpatient expense benefit maximum | $10,000 | $10,000 | $10,000 |
| Outpatient expense benefit maximum | $5,000 | $5,000 | $5,000 |
To learn more about how our Student Accident Insurance Services can serve your school, e-mail Tascha Gourley, International Student Accident & Health Coordinator, or call 302-656-4944.