International Student Accident and Sickness

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AnnouncementA 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

 

Enroll Online

 

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.