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Question:

Does ExchangeGuard (Max 500,000, Zero deductible, 100/0 Coinsurance)eligible for my program?(J1 , Stanford University). It does cover for preexisting condition after 6 months period. I can't find ExchangeGuard in Tokio Marine website is this plan amde exclusive for insabuy? Does it gonna effect the claim process? Comparing to IMG Student Health Advantage, why is the premium of Exchange Guard is cheaper with comparable coverage? Is there any downside I did not recognize?

Answer:

While the ExchangeGuard plan meets the standard J1 requirements,  it does not meet Stanford's waiver requirements. Therefore we recommend the Student Secure Elite plan mentioned below which specifically meets those requirements and the plan can sign off on Stanford's waiver form.   The ExchangeGuard plan will not meet the requirement per Stanford's waiver requirement form concerning the following: $2,000,000 Lifetime aggregate maximum. 

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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