| Feature | Student Select |
| Policy Maximum | • $1 Million lifetime
• $100,000 per illness/injury
|
Plan Deductible
This is the annual amount a
customer pays before benefits are paid. | • Individual: $250, $500, $1,000, $2,500
• This is a calendar year deductible |
Coinsurance
(also referred to as Rate Payment)
This is the percentage of covered medical
expenses Assurant Health pays after
the deductible is met. | • 80% of the next $10,000 in covered expenses
• Assurant Health pays 100% thereafter to $100,000
|
| OfficeVisits | • Subject to deductible and coinsurance |
| Prescription Drugs | • Only inpatient prescriptions are covered. There is no co-payment and no prescription card is issued. Cost is subject to deductible and coinsurance. |
| Wellness Benefit | • Not covered except where state mandated |
| Hospital Room and Board | • Semi-private rate, subject to deductible and coinsurance |
| Lab and X-ray | • Subject to deductible and coinsurance |
| Substance Abuse, Mental/Nervous Disorders | • Not covered except where state mandated |
| Intensive Care | • Subject to deductible and coinsurance |
| In and Outpatient Surgery | • Subject to deductible and coinsurance |
| Repatriation Benefit | • Benefit is $10,000 over and above any other maximum benefit amount. (Not available in all states) |
| Medical Evacuation | • Coverage is up to $10,000 per lifetime when medically necessary after illness or injury resulting in hospital admission. Evacuation will be to home country or to a facility operating within the laws and standards of home country. (Not available in all states) |
| Pre-Existing Conditions | • Not covered for the first 12 months |
| Pregnancy | • Usually this plan does not cover pregnancy. Complications of pregnancy may be covered but are subject to deductible and coinsurance. |
