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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
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Travel MedicalInsurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
Popular Plans
Patriot Travel Series
Patriot Lite Patriot America Plus Patriot Platinum
Patriot Exchange Program GlobeHopper Senior
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International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Popular Plans
Global Medical Insurance GEO Group
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TravelInsurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Popular Plans
iTravelInsured Travel Series
iTravelInsured Lite iTravelInsured SE iTravelInsured LX
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Traveler Services
Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.
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Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
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Health Insurance Plans for International Students & Students Studying Abroad
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Health insurance plans for international students provide the right mix of plan benefits, value, and coverage to keep you safe and healthy. IMG student health plans can help keep your budget healthy, too.
Coverage for international students studying in the U.S. is available to students on an F1 visa and meets J1 visa requirements. Students from the U.S. studying abroad can also stay protected in Schengen visa countries and beyond with an IMG plan.
Long- and short-term student health plans from IMG are great for:
- Individuals and groups participating in international student programs
- Cultural exchange participants
- International graduate students
- Scholars and educators
- Dependents of those participating in international study programs
With health insurance plans designed specifically for international and study abroad students and scholars, IMG has done the homework so you don't have to.To compare IMG's student insurance plans, check out our article, Choosing the Best International Student Insurance Plan for You.
Popular Student Health Insurance Plans
For International Students & Scholars
Recommended
Patriot Exchange Program
Medical insurance for students studying abroad or participants of cultural exchange programs
Highlights
- Medical insurance for students studying abroad or participants of cultural exchange programs
- Deductible options from $0 to $500
- Maximum limit of $5,000,000
- Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
All amounts shown are in U.S. dollars.
| Plan Details | In-Network | Out-of-Network | International |
| Maximum Limit | $5,000,000 | $5,000,000 | $5,000,000 |
| Deductible Options | $0, $100, $250, or $500 per illness or injury available | $0, $100, $250, or $500 per illness or injury available | $0, $100, $250, or $500 per illness or injury available |
| Plan Details | In-Network | Out-of-Network | International |
Coinsurance
| Plan pays 90% Insured pays 10% | Plan pays 80% Insured pays 20% | Plan pays 100% Insured pays 0% |
| Out of Pocket Maximum | $1,000 | Up to the Maximum Limit | $0 |
| Plan Details | In-Network | Out-of-Network | International |
| Interfacility Ambulance Transfer, Emergency Medical Evacuation | No coverage if Pre-certification requirements are not met | No coverage if Pre-certification requirements are not met | No coverage if Pre-certification requirements are not met |
| All other Treatments & supplies | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met |
| Plan Details | In-Network | Out-of-Network | International |
Pre-existing conditions
| Period of Coverage Limit (after 12 months): $500 Maximum Limit: $1,500 | Period of Coverage Limit (after 12 months): $500 Maximum Limit: $1,500 | Period of Coverage Limit (after 12 months): $500 Maximum Limit: $1,500 |
| Plan Details | In-Network | Out-of-Network | International |
Copayment per visit
| $5 | $5 | $5 |
| Coinsurance | Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% |
| Plan Details | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | 90% | 80% | 100% |
Physician / Specialist Visit
| 90% | 80% | 100% |
Urgent Care
| 90% | 80% | 100% |
Walk-in Clinic
| 90% | 80% | 100% |
Hospital Emergency Room
| 90% | 80% | 100% |
Hospitalization / Room & Board
| 90% | 80% | 100% |
| Intensive Care | 90% | 80% | 100% |
Bedside Visit
| 90% | 80% | 100% |
| Outpatient Surgical / Hospital Facility | 90% | 80% | 100% |
| Laboratory | 90% | 80% | 100% |
| Radiology / X-ray | 90% | 80% | 100% |
| Pre-admission Testing | 90% | 80% | 100% |
| Surgery | 90% | 80% | 100% |
| Pre-admission Testing | 90% | 80% | 100% |
| Surgery | 90% | 80% | 100% |
Reconstructive Surgery
| 90% | 80% | 100% |
Assistant Surgeon
| 90% | 80% | 100% |
| Anesthesia | 90% | 80% | 100% |
| Durable Medical Equipment | 90% | 80% | 100% |
Chiropractic Care
| 90% | 80% | 100% |
Physical Therapy
| 90% | 80% | 100% |
Extended Care Facility
| 90% | 80% | 100% |
Home Nursing Care
| 90% | 80% | 100% |
| Plan Details | In-Network | Out-of-Network | International |
Prescription Drugs and Medication
| N/A | 90% | 100% |
| Plan Details | In-Network | Out-of-Network | International |
Inpatient Mental or Nervous / Substance Abuse
| 90% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| 90% | 80% | 100% |
| Plan Details | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| 100% | 100% | 100% |
Emergency Medical Evacuation
| 100% | 100% | 100% |
Emergency Reunion
| 100% | 100% | 100% |
Interfacility Ambulance Transfer
| 100% | 100% | N/A |
Political Evacuation and Repatriation
| 100% | 100% | 100% |
Repatriation for Medical Treatment
| 100% | 100% | 100% |
Return of Mortal Remains
| 100% | 100% | 100% |
| Plan Details | In-Network | Out-of-Network | International | ||||||||||||||||||||
Terrorism
| 100% | 100% | 100% | ||||||||||||||||||||
Dental Treatment
| N/A | 90% | 100% | ||||||||||||||||||||
Traumatic Dental Injury
| 90% | 80% | 100% | ||||||||||||||||||||
Accidental Death & Dismemberment
|
| ||||||||||||||||||||||
Incidental Trip
| 90% | 80% | 100% | ||||||||||||||||||||
| Plan Details | In-Network | Out-of-Network | International |
Personal Liability
| 100% | 100% | 100% |
Lost Personal Property
| 100% | 100% | 100% |
Limited High School and College Sports
| 100% | 100% | 100% |
| Legal Assistance | $500 period of coverage limit | $500 period of coverage limit | $500 period of coverage limit |
Most Popular
Student Health Advantage
Comprehensive medical insurance for international students or scholars
Highlights
- Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
- Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
- Deductible of $250
- Maximum limit for student: $500,000
- Provides coverage for mental health, organized sports, and preexisting conditions
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
All amounts shown are in U.S. dollars.
Coverage Limit / Maximum Amount for Eligible Medical Expenses
| Benefits | In-Network | Out-of-Network | International |
| Maximum Limit | Student: $500,000 Dependent: $100,000 | Student: $500,000 Dependent: $100,000 | Student: $500,000 Dependent: $100,000 |
| Per Illness or Injury limit | Student: $300,000 Dependent: $100,000 | Student: $300,000 Dependent: $100,000 | Student: $300,000 Dependent: $100,000 |
Deductible
| $250 | $250 | $250 |
Coinsurance for Eligible Medical Expenses
| Benefits | In-Network | Out-of-Network | International |
Coinsurance
| Plan pays 90% Insured pays 10% | Plan pays 80% Insured pays 20% | Plan pays 100% Insured pays 0% |
| Out of Pocket Maximum | $1,000 | Up to the Maximum Limit | $0 |
Precertification
| Benefits | In-Network | Out-of-Network | International |
| Interfacility Ambulance Transfer, Emergency Medical Evacuation | No coverage if Pre-certification requirements are not met | No coverage if Pre-certification requirements are not met | No coverage if Pre-certification requirements are not met |
| All other Treatments & supplies | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met |
Pre-existing Conditions
Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within 36 months prior to the Effective Date are excluded until the Insured Person has maintained 12 months of continuous coverage under this insurance.
Student Health Center
| Benefits | In-Network | Out-of-Network | International |
Copayment per visit
| $5 | $5 | $5 |
| Coinsurance | Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% |
Inpatient/Outpatient Benefits
| Benefits | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | 90% | 80% | 100% |
Physician Visits/Services
| 90% | 80% | 100% |
Hospital Emergency Room
| 90% | 80% | 100% |
| Teleconsultation (Groups only) |
| ||
Hospitalization / Room & Board
| 90% | 80% | 100% |
| Intensive Care | 90% | 80% | 100% |
| Outpatient Surgical / Hospital Facility | 90% | 80% | 100% |
| Laboratory | 90% | 80% | 100% |
| Radiology / X-ray | 90% | 80% | 100% |
| Chemotherapy / Radiation Therapy | 90% | 80% | 100% |
| Pre-admission Testing | 90% | 80% | 100% |
| Surgery | 90% | 80% | 100% |
Reconstructive Surgery
| 90% | 80% | 100% |
Assistant Surgeon
| 90% | 80% | 100% |
| Anesthesia | 90% | 80% | 100% |
| Durable Medical Equipment | 90% | 80% | 100% |
Chiropractic Care
| 90% | 80% | 100% |
Physical Therapy
| 90% | 80% | 100% |
Extended Care Facility
| 90% | 80% | 100% |
Home Nursing Care
| 90% | 80% | 100% |
Prescription Drugs and Medication - The following Prescription Drugs and Medication Period of Coverage limit accumulates toward the Maximum Limit
| Benefits | In-Network | Out-of-Network | International |
Period of Coverage limit
|
|
|
|
| Inpatient and Outpatient Surgery Prescription Drugs and Medication | 90% | 80% | 100% |
| Emergency Room and Outpatient Office Visits Prescription Drugs and Medication | 90% | 80% | 100% |
Retail Pharmacy Prescripton Drugs and Medication
| N/A | 50% | 50% |
Mental or Nervous / Substance Abuse
| Benefits | In-Network | Out-of-Network | International |
Inpatient Mental or Nervous / Substance Abuse
| 90% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| 90% | 80% | 100% |
Emergency Services
| Benefits | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| 100% | 100% | 100% |
Emergency Medical Evacuation
| 100% | 100% | 100% |
Emergency Reunion
| 100% | 100% | 100% |
Interfacility Ambulance Transfer
| 100% | 100% | N/A |
Political Evacuation and Repatriation
| 100% | 100% | 100% |
Repatriation for Medical Treatment
| 100% | 100% | 100% |
Return of Mortal Remains
| 100% | 100% | 100% |
Other Services
| Benefits | In-Network | Out-of-Network | International | ||||||||||||||||||||
Terrorism
| 100% | 100% | 100% | ||||||||||||||||||||
Dental Treatment
| N/A | 90% | 100% | ||||||||||||||||||||
Traumatic Dental Injury
| 90% | 80% | 100% | ||||||||||||||||||||
Intercollegiate, Interscholastic, Intramural, or Club Sports
| 90% | 80% | 100% | ||||||||||||||||||||
Accidental Death & Dismemberment
|
| ||||||||||||||||||||||
Incidental Trip
| 90% | 80% | 100% | ||||||||||||||||||||
Personal Liability
| Combined Maximum Limit: $10,000 Injury to Third Person: Damage to Third Person’s property: Per damage Deductible: $100 | Combined Maximum Limit: $10,000 Injury to Third Person: Damage to Third Person’s property: Per damage Deductible: $100 | Combined Maximum Limit: $10,000 Injury to Third Person: Damage to Third Person’s property: Per damage Deductible: $100 | ||||||||||||||||||||
Recommended
Student Health Advantage Platinum
Comprehensive medical insurance for international students or scholars
Highlights
- Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program
- Coinsurance in PPO network or student health center within the U.S.: Company pays 100%
- Maximum limit for student: $1,000,000
- Provides coverage for maternity
Plan Details View Brochure
Get Quote
Trip Protection
Medical Benefits
Summary of Benefits
All amounts shown are in U.S. dollars.
Coverage Limit / Maximum Amount for Eligible Medical Expenses
| Benefits | In-Network | Out-of-Network | International |
| Maximum Limit | Student: $1,000,000 Dependent: $100,000 | Student: $1,000,000 Dependent: $100,000 | Student: $1,000,000 Dependent: $100,000 |
| Per Illness or Injury limit | Student: $500,000 Dependent: $100,000 | Student: $500,000 Dependent: $100,000 | Student: $500,000 Dependent: $100,000 |
Deductible Options
| $100 | $150 | $25 |
Coinsurance for Eligible Medical Expenses
| Benefits | In-Network | Out-of-Network | International |
Coinsurance
| Plan pays 90% Insured pays 10% | Plan pays 80% Insured pays 20% | Plan pays 100% Insured pays 0% |
| Out of Pocket Maximum | $1,000 | Up to the Maximum Limit | $0 |
Precertification
| Benefits | In-Network | Out-of-Network | International |
| Interfacility Ambulance Transfer, Emergency Medical Evacuation | No coverage if Pre-certification requirements are not met | No coverage if Pre-certification requirements are not met | No coverage if Pre-certification requirements are not met |
| Maternity | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met |
| All other Treatments & supplies | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met | 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met |
Pre-existing Conditions
Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded until the Insured Person has maintained 6 months of continuous coverage under this insurance.
Student Health Center
| Benefits | In-Network | Out-of-Network | International |
Copayment per visit
| $5 | $5 | $5 |
| Coinsurance | Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% | Plan pays 100% Insured pays 0% |
Inpatient/Outpatient Benefits
| Benefits | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | 90% | 80% | 100% |
Physician Visits/Services
| 90% | 80% | 100% |
Hospital Emergency Room
| 90% | 80% | 100% |
| Teleconsultation (Groups only) |
| ||
Hospitalization / Room & Board
| 90% | 80% | 100% |
| Intensive Care | 90% | 80% | 100% |
| Outpatient Surgical / Hospital Facility | 90% | 80% | 100% |
| Laboratory | 90% | 80% | 100% |
| Radiology / X-ray | 90% | 80% | 100% |
| Chemotherapy / Radiation Therapy | 90% | 80% | 100% |
| Pre-admission Testing | 90% | 80% | 100% |
| Surgery | 90% | 80% | 100% |
Reconstructive Surgery
| 90% | 80% | 100% |
Assistant Surgeon
| 90% | 80% | 100% |
| Anesthesia | 90% | 80% | 100% |
Maternity and Newborn Care
| 80% | 60% | 100% |
| Durable Medical Equipment | 90% | 80% | 100% |
Chiropractic Care
| 90% | 80% | 100% |
Physical Therapy
| 90% | 80% | 100% |
Extended Care Facility
| 90% | 80% | 100% |
Home Nursing Care
| 90% | 80% | 100% |
Prescription Drugs and Medication - The following Prescription Drugs and Medication Period of Coverage limit accumulates toward the Maximum Limit
| Benefits | In-Network | Out-of-Network | International |
Period of Coverage limit
|
|
|
|
| Inpatient and Outpatient Surgery Prescription Drugs and Medication | 90% | 80% | 100% |
| Emergency Room and Outpatient Office Visits Prescription Drugs and Medication | 90% | 80% | 100% |
Retail Pharmacy Prescripton Drugs and Medication
| N/A | 50% | 50% |
Mental or Nervous / Substance Abuse
| Benefits | In-Network | Out-of-Network | International |
Inpatient Mental or Nervous / Substance Abuse
| 90% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| 90% | 80% | 100% |
Emergency Services
| Benefits | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| 100% | 100% | 100% |
Emergency Medical Evacuation
| 100% | 100% | 100% |
Emergency Reunion
| 100% | 100% | 100% |
Interfacility Ambulance Transfer
| 100% | 100% | N/A |
Political Evacuation and Repatriation
| 100% | 100% | 100% |
Repatriation for Medical Treatment
| 100% | 100% | 100% |
Return of Mortal Remains
| 100% | 100% | 100% |
Other Services
| Benefits | In-Network | Out-of-Network | International | ||||||||||||||||||||
Terrorism
| 100% | 100% | 100% | ||||||||||||||||||||
Dental Treatment
| N/A | 90% | 100% | ||||||||||||||||||||
Traumatic Dental Injury
| 90% | 80% | 100% | ||||||||||||||||||||
Intercollegiate, Interscholastic, Intramural, or Club Sports
| 90% | 80% | 100% | ||||||||||||||||||||
Accidental Death & Dismemberment
|
| ||||||||||||||||||||||
Incidental Trip
| 90% | 80% | 100% | ||||||||||||||||||||
Personal Liability
| Combined Maximum Limit: $10,000 Injury to Third Person: Damage to Third Person’s property: Per damage Deductible: $100 | Combined Maximum Limit: $10,000 Injury to Third Person: Damage to Third Person’s property: Per damage Deductible: $100 | Combined Maximum Limit: $10,000 Injury to Third Person: Damage to Third Person’s property: Per damage Deductible: $100 | ||||||||||||||||||||
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Why Do I Need International Student Health Insurance?
Simple. It's Generally Required.
Most universities and colleges require that international and study abroad students obtain a minimum level of medical coverage for their enrollment period.
While some schools provide their own coverage options for students, others do not require students to buy the university-sponsored insurance as long as they buy comparable coverage that meets or exceeds the school's requirements.
Your host country may also require insurance for international students, so it's important to verify your visa requirements before purchasing coverage.
International students who hold F1 visas are not required by the U.S. government to meet certain health insurance requirements, but they may still be required by their school to purchase certain coverage.
Factors that Determine Cost
The cost of an individual international student health insurance plan varies based on the following factors.
Age of the Student
Age is the primary determining factor for price. Insurance companies often charge different amounts for different age groups, with the price increasing for older age groups.
Length of Coverage
There are monthly rates associated with international student health insurance, so price increases proportionally to the number of months of coverage purchased.
Level of Coverage
Plans can range from basic and budget-friendly, to robust and complete with maternity coverage and enhanced pre-existing condition coverage. Students can choose the level of coverage they desire and balance that with the cost they are willing to incur.
International Student Health Insurance Benefits
Key Considerations for Purchasing Student Health Plans
Student Medical Coverage for Accidents or Illnesses
Your school and host country will often require students to purchase a plan that includes a minimum amount of medical coverage for accidents or illnesses.
Emergency Medical Evacuation
Coverage for an emergency medical evacuation to the nearest qualified medical facility, expenses for transportation resulting from the evacuation, and the cost of returning the student to either their home country or the country where the evacuation occurred.
Repatriation and Return of Mortal Remains
In the unfortunate event that a student dies as a result of a covered illness or injury while outside of their home country, this benefit can cover expenses for transporting the remains back home.
How to Get International Student Health Insurance
Follow these simple steps and purchase your coverage worry free.
1. Research
Research your school's and host country's coverage requirements.
2. Confirm
Confirm that your school allows you to waive the university-sponsored plan and purchase your own insurance.
3. Search
Search for the right plan for you, paying close attention to coverage and cost.
4. Purchase
Purchase a plan and submit a waiver to your university, providing proof of coverage and any other necessary documentation.
Planning on studying in the US?
Check Out Our Study Abroad Checklist
GET THE CHECKLIST
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Travel medical insurance may appear overwhelming, but its purpose is simple: travel medical insurance provides coverage for unexpected accidents or illnesses when traveling outside your home country.
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Frequently Asked Questions
As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).
Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.
International Students – Exempt as Non-Resident Aliens
Under the IRS international student exemption, anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.
That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here.
Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.
The Individual Mandate and Alien / Non-Alien Status
The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.
Am I a Resident or Non-Resident Alien?
The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.
Under IRS Publication 519, Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.
Am I getting the best deal on these plans?
Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.
When should I complete my waiver?
Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver.
How do I determine the status of my waiver?
Check with your school to get your waiver status.
How do I provide proof of insurance for my school?
To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.
Do these plans cover sports-related illness or injuries?
IMG plans include customization options and add-ons, including add-on coverage for high school sports,interscholastic, intramural, or club sports, personal liability and legal assistance.
How long does it take to process my application and receive my ID card and other documents?
If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.
View All FAQs
Disclaimer
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.
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