Student Insurance Pre-Existing Condition Coverage

There are only few insurance companies who offer coverage for pre existing medical conditions under international student medical insurance plans. This page will give an insight to the coverage details and sum assured for pre existing conditions under student medical insurance. Refer to the details of pre existing conditions under student insurance and select plan to buy online.

IMG Insurance Plans offering Pre-Existing Condition Coverage

1. Patriot Exchange
  • Sudden and unexpected recurrence of a pre-existing condition(U.S. citizens plan only)
    • Eligible medical expenses: $5,000 lifetime maximum
    • Emergency medical evacuation: $25,000 maximum
  • Pre-existing conditions - For conditions existing within 36 months before effective date, charges excluded until after 12 months of coverage and then $500 maximum per period of coverage and $1,500 lifetime maximum.
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2. Student Health Advantage
  • Standard plan: Charges excluded until after 12 months of continuous coverage
  • Platinum plan: Charges excluded until after 6 months of continuous coverage

SEVEN CORNERS Insurance Plans offering Pre-Existing Condition Coverage

1. Liasion Student Economy
  • Acute Onset of a Pre-existing Condition: Medical covered expenses up to $5,000 (during the initial 364 days of coverage)
  • Waiver of Pre-existing Conditions - After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
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2. Liasion Student Choice
  • Acute Onset of a Pre-existing Condition: Medical covered expenses up to $10,000 (during the initial 364 days of coverage)
  • Waiver of Pre-existing Conditions - After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
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3. Liasion Student Elite
  • Acute Onset of a Pre-existing Condition: Medical covered expenses up to $25,000 (during the initial 364 days of coverage)
  • Waiver of Pre-existing Conditions - After a waiting period of 364 days of continuous coverage, pre-existing conditions are covered as any other disablement.
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TOKIOMARINE HCC Insurance Plans offering Pre-Existing Condition Coverage

1. Atlas America
  • Acute onset of pre-existing condition only available to members under age 80
    • Under age 70: Up to the overall maximum limit.
    • Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower.
    • Excludes chronic and congenital conditions
  • $25,000 lifetime maximum for emergency medical evacuation.
  • An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.
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2. Student Secure
  • Limit-Elite: 6 months waiting period
  • Limit-Select: 6 months waiting period
  • Limit-Budget: 12 months waiting period
  • Acute onset of pre-existing condition: $25,000 lifetime maximum for eligible medical expenses
  • The acute onset of a pre-existing condition means a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care. The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A pre-existing condition that is a chronic or congenital condition
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TRAWICK INTERNATIONAL Insurance Plans offering Pre-Existing Condition Coverage

1. Collegiate Care Standard
  • Covered after 6 months
  • Pre-Existing condition means an Injury, Sickness, disease, or other condition during the 365 day period immediately prior to the date the Covered Person's coverage is effective for which the Covered Person.
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2. Collegiate Care Preferred
  • Covered after 6 months
  • Pre-Existing condition means an Injury, Sickness, disease, or other condition during the 365 day period immediately prior to the date the Covered Person's coverage is effective for which the Covered Person.
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3. Collegiate Care Gold
  • Covered after 6 months
  • The "Pre-existing Condition Waiting Period" is 6 months. If you receive treatment or service for a Pre-Existing Condition: a) No benefits will be paid for such condition until the day after a 6 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 6 consecutive month period.
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4. Collegiate Care Silver
  • Covered after 6 months
  • The "Pre-existing Condition Waiting Period" is 6 months. If you receive treatment or service for a Pre-Existing Condition: a) No benefits will be paid for such condition until the day after a 6 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 6 consecutive month period.
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5. Study Abroad Basic
  • Covered after 12 months
  • The Pre-existing Condition Waiting Period is 12 months. If you receive treatment or service for a Pre Existing Condition: a) No benefits will be paid for such condition until the day after a 12 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 12 consecutive month period.
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6. Study Abroad Premier
  • Covered after 12 months
  • The Pre-existing Condition Waiting Period is 12 months. If you receive treatment or service for a Pre Existing Condition: a) No benefits will be paid for such condition until the day after a 12 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 12 consecutive month period.
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GEOBLUE Insurance Plans offering Pre-Existing Condition Coverage

1. Navigator
  • The plan covers pre-existing conditons with creditable coverage.
  • The 365-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.
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