2009-2010 Benefits, Limitations, and Exclusions
Accident Benefit
Contains a brief explanation of Accident Insurance, the extent of coverage to Cedarville students, and limitations of benefits.
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Illness Benefit
Contains information regarding expense coverage for hospital confined in-patient treatment (overnight stay), in or out of hospital treatment (outpatient surgery, surgery, anesthesia, specialists), not confined to hospital treatment (diagnostic laboratory, X-rays, physician's fee, prescribed drugs, ambulance service).
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Mandated Benefits
The following benefits are mandated in the state of Ohio. They will be included in all plans issued under the Policy. Unless specified otherwise, all such coverage will be subject to any deductible, co-payment, and co-insurance conditions of the Policy as well as all other terms and conditions applicable to any other covered sickness. Mandated benefits include: Cancer Screening Tests; Mastectomy, Reconstructive Surgery, and Prosthetic Devices; Child Health Supervision Services; Medical Emergency Expenses and Alcoholism; Drug Abuse Treatment and Infertility Services. See the Policy on file with the school for further details on these benefits.
Repatriation
In the event of the death of an Insured Person, while he or she is covered under the Policy, the Company will pay the necessary reasonable and customary charges for preparation, including cremation, and transportation of the remains to the Insured Person's place of residence in his or her home country provided expenses do not exceed $10,000. No benefit will be paid in the event of suicide.
Medical Evacuation
If an Insured Person is unable to continue their academic program as the result of a Covered Injury or Sickness occurring while he or she is covered under the Policy, the Company will pay the necessary reasonable and customary charges for evacuation to another medical facility or the Insured Person's home country. Payment of this benefit is subject to the conditions outlined in the Policy. Covered expenses include those incurred for an accompanying physician or nurse, if prescribed by the attending physician. Coverage is limited to a maximum of $15,000 per disability. Medical Evacuation benefits must be preapproved by the Insurance Company.
Pre-existing Conditions Limitation
Contains information regarding the coverage of pre-existing conditions.
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Exclusions and Limitations
Contains information about what the student insurance policy does not cover or provide benefits for.
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Claim Procedure
Contains information about Student Insurance, for handling claims/bills, and procedures to follow in the case of an accident or illness.