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| HCC StudentSecure | IMG Patriot Exchange Program | IMG Student Health Advantage Individual - Standard | |
|---|---|---|---|
| Daily Rate | See Rates & Application document | ||
| Yearly Rate | See Rates & Application document | ||
| Minimum Policy Premium | $35 | ||
| Maximum Sum Insured | $200,000, $250,000, $300,000, or $500,000 | $50,000, $100,000, $250,000, or $500,000 | Student: $500,000. Dependent: $100,000 |
| Physician and Hospital Fees | Included | Included | Included |
| Ambulance | Ground: $300, $500, or $750; Air: $25,000 or $50,000 | Included | Included |
| Prescription Drugs | 50-80% of actual cost | Included | Up to 90-day supply |
| Other Professional Services | $50 per visit, per day for physical therapy, chiropractor | Physical therapy | Physical therapy |
| Maternity | Smart plan: no coverage. Budget and Select plans: usual, reasonable, and customary charges for pregnancy that commences after effective date | ||
| 1 General Checkup - Applicable to annual plans | Not Included | ||
| 1 Eye Exam - Applicable to annual plans | Not Included | ||
| Pre-Existing Medical Condition Coverage | Smart plan: $25,000 for acute onset of pre-existing conditions. Budget and Select plans: 180-day waiting period for pre-existing condition coverage | $50,000 limit, after 12 months of coverage | Included after 12 months of coverage |
| Covered Areas | 1. Worldwide including the US; 2. Worldwide excluding the US | 1. Worldwide including the US; 2. Worldwide excluding the US; 3. Europe Only | Worldwide |