Medical Insurance

Student Medical Insurance

Effective Date: July 2008

Jin S. Xue Insurance



Important! Your Policy has been amended as follows:

1. Under the section Hospital/Medical Insurance, the following wording has been deleted: 15. Accidental death and dismemberment Up to a maximum of $10,000 for death or dismemberment as a result of an accident during a covered trip. Refer to section Accidental Death and Dismemberment Insurance for coverage details. 2. Under the section Accidental Death and Dismemberment Insurance, the following wording has been deleted: Air Flight/Common Carrier Accident – Maximum Limit - $10,000 24-Hour Accident – Maximum Limit - $10,000 The following maximum limits are only applicable if you have paid the appropriate additional premium.



Table of Contents

Page

Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Insuring Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Validation of Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Period of Coverage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Hospital/Medical Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Accidental Death and Dismemberment Insurance. . . . . . . . . . . . . . . 12 General Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 General Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Extensions to Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Statutory Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 How to...