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Ask Our Specialists
Hello, I will be a J1 visiting scholar in University of Illinois Urbana-Champaign between July 22 2019 and July 31 2020. I was looking for a health insurance for myself and my two dependents. Looking at your website, I found that your Exchange Guard Plan with 0 deductible meets the J1 visa health insurance requirements. However I have few questions that need to be answered quickly since I will be departing to the US on coming Sunday. 1. Does your ExchangeGuard Choice and Patriot Exchange Plans have the same coverage in terms of outstanding restrictions? Although myself and my dependents do not have any mentioned restriction conditions explained n Exchange Guard Choice plan, I want to be clear on this because as far as I see Patriot Exchange plan does not have a list of restrictions. 2. Do you have a plan that does not have restrictions and does not have waiting period? 3. If I have an injury related to a broken bone or a cut and have 0 deductible plan and 100/0 co-insurance pay, do I have to pay anything to the hospital? 4. During my stay period, if I have an inner ear infection or a stomach ache and have to visit doctor's office, do you require medical history report before paying the claim? If yes, where can I find the forms to be filled for the report? 5. If I purchase the plan for a year at the beginning and they cancel it 30 days later, do I incur any penalty fees or do I get full refund back for the remaining insurance period?
1. Please look at the difference between ExchangeGuard and Patriot Exchange plan: /patriot-exchange-program-vs-exchangeguard-insurance/
Please look at certificate wording for more information: ExchangeGuard: /exchangeguard/student-medical-insurance.pdf
Patriot Exchange: /patriot-exchange-program/certificate-wording/student-medical-insurance.pdf
For details on exclusion. This outstanding restriction link is just the major overview of exclusion.
2. No. For that you need to purchase insurance from your school.
3. If you go in the network plan will pay 100%. For Dr. visit you may need to pay upfront but hospitalization or major expense you don't need to pay from your pocket.
4. Yes. Usually attending physician will ask some questions and send medical notes to claim dept. and based on attending physician statement will be determined whether claim dept. needs additional medical records or not. If you don't have you can say I don't have. Please look at claim overview at: /international-health-insurance-claims/
5. Refund policy for Patirot Exchange: /cancellation/patriot-exchange-program-insurance/
6. Refund policy for ExchangeGuard: /cancellation/exchangeguard-insurance/
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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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