Finding international student health insurance can be a daunting task for many students. Between meeting school requirements and understanding all of the terms, things can get confusing. One term that often raises questions is the benefit period.
Many students assume that the benefit period refers to the entire effective period of a plan. In actuality, the benefit period can be thought of as extra time provided at the termination of the plan for a specific condition that was diagnosed or treated while the plan was still in effect. Each plan will vary with the specific terms and length of time attached to this benefit.
For example, the Student Secure plan has a benefit period of 60 days. If a covered individual is hospitalized as an inpatient for an eligible expense on their termination date, that condition would be covered for the next 60 days.
The benefit period for the Atlas Travel plan is slightly different in that an eligible condition that was diagnosed or treated while the plan was in effect, will be covered for 180 days under the benefit period after the plan is no longer in effect. The 180 days begins the first day of diagnosis or treatment for that eligible condition.
Depending on the type of plan you purchase, this benefit could vary greatly from the examples provided above. It is important to research the benefits of your prospective plan before you commit to your purchase.
Despite the difference in the benefit period between the Atlas Travel plan and the Student Secure plan, both of them work well for individuals looking for international student health insurance.
If you would like more information on the Student Secure plan or Atlas Travel plan feel free to contact one of our licensed agents today. They can assist you with any questions you might have, including those regarding the benefit period.
Category: Insurance Explained, Product Information
Tags: Benefit Period
