|
Insurance Plan Comparison
Compare International Insurance Plans Quickly and Easily
If you are not sure what plan is right for you, please use the side-by-side comparison to learn more about the main plans we offer, who they are ideal for and how the plan benefits compare to each other. Please only use this comparision as a guideline, and please be sure to check the individual product pages for full benefit and exclusion listings.
| Student Secure | Atlas Travel | Citizen Secure | |
|---|---|---|---|
| Terrorism Coverage | Yes |
Yes | No |
| View Benefits | Apply Online | View Benefits | Apply Online | View Benefits | Apply Online | |
| Plan Type | International Student Health Insurance for study in the USA and study abroad around the world. | International Travel Medical Insurance for both students and non-students around the world. | International Major Medical Insurance coverage for students and non-students. |
| Plan ideal for? | Full-time students | Students and non-students who are traveling or studying | Students and non-students living, working and studying |
| Terms | Monthly renewable | Daily or monthly renewable | Annual |
| PPO Network | Yes, but not required | Yes, but not required | Yes, but not required |
| Deductible | $100 per injury/ illness | $0 to $2,500 per period | $250 to $5,000 per year |
| Co-insurance in USA | Yes* | Yes* | Yes* |
| *Coinsurance will be waived if expenses are incurred within the PPO for the Atlas, Citizen Secure, and the Student Secure Select plans. For the Student Secure Budget plan, coinsurance is not waived within the PPO. | |||
| Co-insurance out USA | No | No | No |
| Medical Benefits | |||
| Hospital Charges | Yes | Yes | Yes |
| Medical Expenses | Yes | Yes | Yes |
| Outpatient Medical | Yes | Yes | Yes |
| Rehabilitative care | Yes | Yes | Yes |
| Chemotherapy/ Radiation | No | No | Yes |
| Prescription Drugs | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Second Medical Opinion | No | No | Yes |
| Transplants | No | No | Yes |
| Emergency Care | |||
| Medical Evacuation | Yes | Yes | Yes |
| Emergency Reunion | Yes | Yes | Yes |
| Repatriation | Yes | Yes | Yes |
| Local Ambulance | Yes | Yes | Yes |
| Returning Minor Children | Yes | Yes | Yes |
| Special Coverage | |||
| Supplemental Accident | No | No | Yes |
| Maternity | Yes* | No | Yes** |
*For the Student Secure, conception must be after the effective date of the policy **For the Citizen Secure, maternity coverage applies after 12 months of continous coverage |
|||
| Newborn Coverage | Yes | No | Yes |
| Adult Wellness | No | No | Yes |
| Child Wellness | No | No | Yes |
| Pre-Existing Conditions | Yes* | No | Yes** |
* For the Student Secure, pre-existing conditions are covered after 12 months of continuous coverage **For the Citizen Secure, pre-existing conditions are covered If disclosed on the application and not excluded by the underwriter |
|||
| Mental/ Nervous Care | Yes |
No | Yes |
| Home Country Coverage | Yes* |
Yes* | Yes* |
| * For the Atlas Travel and Student Secure Plans - Up to 15 Days of Coverage While in Home Country For Citizen Secure - non-US Citizens get full home country coverage and US Citizens get a maximum of 6 months coverage within the US |
|||
| Chiropractor | No | Yes | Yes |
| Trip Interruption | No | Yes | No |
| Lost Luggage | Yes | Yes | Yes |
| Common Carrier Death Benefit | Yes |
Yes | No |
| Death & Dismemberment | Yes |
Yes | Yes* |
| *Can be purchased for an extra cost | |||
| Sports Coverage | Yes | Yes (with rider) | Yes (with rider) |
