Student Insurance Mental and nervous Disorder Benefit

Student medical insurance plans cover the insured for mental disorder. The below list gives insight to some of the plans that offer coverage for mental disorder. The sum assured for mental disorder under student medical insurance plans are mentioned in the list. Refer to the details and make an informed choice on the plan you are buying.

IMG Insurance plans offering mental and nervous disorder coverage

1. Student Health Advantage
  • Out-patient: $50 per day, $500 lifetime maximum
  • In-patient: Usual, Reasonable, Customary charges to $10,000 lifetime maximum
  • The plan provides coverage for mental health disorders including alcohol and drug abuse. Out-patient treatment is covered up to $50 per day to the lifetime maximum. Usual, reasonable and customary charges are covered for in-patient treatment up to the lifetime maximum. Student Health Center charges are not eligible for coverage.
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SEVEN CORNERS Insurance plans offering mental and nervous disorder coverage

1. Liasion Student
  • Inpatient: Payable at 50%, up to $10,000 up to a max of 45 days
  • Outpatient: Payable at 80%, up to $500
  • Mental illness For the purpose of this section, only such expenses, incurred as the result of Treatment or Medication for Mental Illness, whichare specifically enumerated in the following list of charges, and which are not excluded, shall be considered as Covered Expenses
  • Inpatient Care:
    • Charges made by a Hospital or mental institution for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature, provided, however, that expenses donot exceed the Hospital's or mental institution's average chargefor semi-private room and board accommodation.
    • Charges made for diagnosis and Treatment by a Physician.
    • Charges made for the cost and administration of anesthetics.
    • Charges for Medication, x-ray services, laboratory tests and services, oxygen, and medical Treatment.
    • Drugs and Medicines that can only be obtained upon a written prescription of a Physician.
  • Outpatient care:
    • Charges made for diagnosis and Treatment by a Physician.
    • Charges made for the cost and administration of anesthetics.
    • Charges for Medication, x-ray services, laboratory tests and services, oxygen, and medical Treatment.
    • Drugs and Medicines that can only be obtained upon a written prescription of a Physician.
  • Only those expenses specifically described above which are incurred within the following Limits from the onset of the Mental Illness and which are not excluded are considered Covered Expenses. Mental Illness must first manifest itself during the Period of Coverage.
  • Inpatient Care - Shall be payable at 50% to $10,000, subject to a maximum of 45 days of Inpatient care.
  • Outpatient - Shall be payable at 80% up to a maximum of $500.
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2. Student Express
  • Inpatient: Payable at 50%, up to $10,000 up to a max of 45 days
  • Outpatient: Payable at 80%, up to $500
  • Mental illness For the purpose of this section, only such expenses, incurred as the result of Treatment or Medication for Mental Illness, whichare specifically enumerated in the following list of charges, and which are not excluded, shall be considered as Covered Expenses
  • Inpatient Care:
    • Charges made by a Hospital or mental institution for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature, provided, however, that expenses donot exceed the Hospital's or mental institution's average chargefor semi-private room and board accommodation.
    • Charges made for diagnosis and Treatment by a Physician.
    • Charges made for the cost and administration of anesthetics.
    • Charges for Medication, x-ray services, laboratory tests and services, oxygen, and medical Treatment.
    • Drugs and Medicines that can only be obtained upon a written prescription of a Physician.
  • Outpatient care:
    • Charges made for diagnosis and Treatment by a Physician.
    • Charges made for the cost and administration of anesthetics.
    • Charges for Medication, x-ray services, laboratory tests and services, oxygen, and medical Treatment.
    • Drugs and Medicines that can only be obtained upon a written prescription of a Physician.
  • Only those expenses specifically described above which are incurred within the following Limits from the onset of the Mental Illness and which are not excluded are considered Covered Expenses. Mental Illness must first manifest itself during the Period of Coverage.
  • Inpatient Care - Shall be payable at 50% to $10,000, subject to a maximum of 45 days of Inpatient care.
  • Outpatient - Shall be payable at 80% up to a maximum of $500.
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TOKIOMARINE HCC Insurance plans offering mental and nervous disorder coverage

1. Student Secure
  • Limit-Elite, Limit-Select, Limit-Budget and Limit-Smart covers mental disorders, click plus for more details
  • Limit-Elite
    • Outpatient or inpatient: 80% within the PPO, 60% out of network. Maximum 30 days of coverage. Coverage includes drug abuse or alcohol abuse
    • Treatment must not be obtained at a student health center
  • Limit-Select
    • Outpatient or inpatient: 80% within the PPO, 60% out of network. Maximum 30 days of coverage. Coverage includes drug abuse or alcohol abuse
    • Treatment must not be obtained at a student health center
  • Limit-Budget
    • Outpatient: $50 maximum per day, $500 maximum lifetime
    • Inpatient: Usual, reasonable, and customary charges to $10,000 maximum lifetime. Coverage includes drug abuse or alcohol abuse. Treatment must not be obtained at a student health center
  • Limit-Smart
    • Outpatient: $50 maximum per day, $500 maximum lifetime
    • Inpatient: Usual, reasonable, and customary charges to $5,000 maximum lifetime.
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TRAVELINSURE Insurance plans offering mental and nervous disorder coverage

1. Study USA
  • Preferred 300: $10,000
  • Preferred 500: 80% in network, 60% out of network

TRAWICK INTERNATIONAL Insurance plans offering mental and nervous disorder coverage

1. Collegiate Care Standard
  • Inpatient: up to 40 days per period of insurance
  • Outpatient: up to $500 maximum per period of insurance
2. Collegiate Care Preferred
  • Inpatient: up to 40 days per period of insurance
  • Outpatient: up to $500 maximum per period of insurance
3. Collegiate Care Gold
  • Covers Inpatient and Outpatient, click plus for more details
  • Inpatient
    • In Network: 100% of the Preferred Allowance 30 days maximum
    • Out of Network: 60% of Usual, Reasonable and Customary Charge (URC) 30 days maximum Subject to a $100 Co-Pay, $1,525 per day Maximum 8 days per Occurrence. This payment is in lieu of payment for the Hospital Room and Board charges for those days and includes nursing services.
  • Outpatient
    • In Network: 40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance
    • Out of Network: 40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance
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4. Collegiate Care Silver
  • Covers Inpatient and Outpatient, click plus for more details
  • Inpatient
    • In Network: 100% of the Preferred Allowance 30 days maximum
    • Out of Network: 60% of Usual, Reasonable and Customary Charge (URC) 30 days maximum Subject to a $100 Co-Pay, $1,525 per day Maximum 8 days per Occurrence. This payment is in lieu of payment for the Hospital Room and Board charges for those days and includes nursing services.
  • Outpatient
    • In Network: 40 visits per year at 100% of the Preferred Allowance up to $5,000 maximum, per Period of Insurance
    • Out of Network: 40 visits per year at 60% of URC up to $5,000 maximum, per Period of Insurance
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5. Study Abroad Basic
  • Inpatient: 50% of Usual & Customary Charges $500 Maximum per Policy Year
  • Outpatient: 50% of Usual & Customary Charges $500 Maximum per Policy Year
6. Study Abroad Premier
  • Inpatient $5,000 30 days max per Period of Insurance
  • Outpatient $1,000 Maximum per Period of Insurance

GEOBLUE Insurance plans offering mental and nervous disorder coverage

1. Navigator
  • Inpatient Mental Health
    • Outside the U.S.: 100% up to 60 days
    • In-Network, U.S.: 80% up to 60 days
    • Out-of-Network, U.S.: 60% up to 60 days
  • Outpatient Mental Health
    • Outside the U.S.: 75% up to 40 visits/ 60% thereafter
    • In-Network, U.S.: 75% up to 40 visits/ 60% thereafter
    • Out-of-Network, U.S.: 75% up to 40 visits/ 60% thereafter
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