enrolled and/or pursuant to his or her Visa requirements for the period for which coverage is elected. Except in the case of both waiver denial and withdrawal from School due to Sickness or Injury, any student who withdraws from the Policyholder’s School during the first 31 days of the period for which he or she is enrolled shall not be covered under the insurance plan. A full refund of Premium will be made, minus the cost of any claim benefits paid. A student who graduates or withdraws after 31 days of the period for which he or she is enrolled will remain covered under this policy for the term purchased and no refund will be allowed. The Insurer has the right to investigate Eligibility status and attendance records to verify Eligibility requirements are met. If it is discovered the Eligibility requirements are not met, the insurance coverage will be terminated. If the Insured Student or the Insured Student’s Dependent has performed an act that constitutes fraud; or the Insured Student has made an intentional misrepresentation of material fact during their enrollment under this insurance plan in order to obtain coverage for a service, coverage will be terminated immediately upon written notice of termination delivered by Us to the Insured Student and/or the Insured Student’s Dependent, as applicable. If termination is a result of the Insured Student’s action, coverage will terminate for the Insured Student and the Insured Student’s Dependents. If termination is a result of the Insured Student’s Dependent’s action, coverage will terminate for the Insured Student’s Dependent only. Who is Eligible: • Class 1: J1 valid visa holder who is outside their home country and engaged in educational activity and a minimum of 17 years old and a maximum of 64 years old, and is one of the following: 1) an undergraduate student registered for attending classes on a full-time basis or 2) graduate student, or 3) scholar or researcher who is invited by an educational organization, or 4) student involved in education, educational activities, or research related activities. • Class 2: The Spouse of a Class 1 Insured Person • Class 3: The dependents child(ren) of a Class 1 Insured Person Who is not Eligible: • Students taking distance learning, home study or OPT students
| Lifetime maximum | Unlimited |
| Annual maximum | $250,000 |
| Maximum per sickness/injury | $100,000 |
| Deductible per sickness or injury | $100 |
| Out of pocket in network | Unlimited |
| Co-pay in ER (waived if admitted) | $250 |
| Co-pay in SHC | $0 |
| Co-pay hospitalization | $0 |
| Pre-existing condition waiting period | 6 months |
| Preventative care | Not applicable |
| Medical evacuation | 100% |
| Repatriation | 100% |