International Student Accident and Sickness

ISAH Hero
ISAH SUB

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

 

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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.