(for policies effective as of July 1st, 2008)

The ISEP Full Insurance Policy (IEES & MEDEX) covers the following 7 items.
Please note that the Medical Evacuation and Repatriation Policy (MER) only applies to items 4 - 7:

1. Basic medical accident and sickness expenses up to $25,000; subject to a $25 deductible per incident.
2. Supplemental medical accident and sickness expenses up to $25,000 (80% of subsequent $31,250 of expenses)
3. Catastrophic major medical accident and sickness expenses up to $250,000
4. Medical evacuation
5. Repatriation of remains (in the event of death)
6. Accidental death, dismemberment and loss of sight
7. MEDEX for 24-hour worldwide medical and travel assistance

This insurance will cover basic medical expenses related to sickness or injury, in excess of the $25 deductible per incident that you incur outside your home country while on an ISEP exchange up to a maximum of $25,000. Once you have exhausted your basic medical coverage of $25,000, the policy provides supplemental major medical coverage of 80 percent of expenses to a maximum payment of $25,000. After all benefits have been exhausted under basic and supplemental coverage, the policy provides catastrophic major medical coverage of 100% to a maximum of $250,000. Treatment for preexisting conditions is covered up to $50,000 for the first 6 months of enrollment; after 6 months they are covered to the full policy amounts. Prescription drugs and medicines are payable at 80% for outpatient treatment and at 100 percent on an inpatient basis.

Benefits for Dependents

Benefits are the same as those described above for individual participants, with the exception that the accidental death, dismemberment and loss of sight benefits are $10,000 for a spouse and $5,000 for each child.

MEDEX for emergencies outside of the U.S.

[Please note that MEDEX is only valid for emergencies occurring outside the United States. Within the U.S., please contact IEES.]

A unique component of your IEES plan is the MEDEX worldwide medical and travel assistance. This assistance includes referrals to doctors or hospitals, coordination of payment with the provider, and assistance with lost prescriptions or travel documents. Multilingual services are available. To access these services contact MEDEX directly. When you call be prepared to provide your name, the specific number assigned to your group (MEDEX Assistance Corp. ISEP ID is #319691), your school name, and a brief description of your problem.

1. $25 deductible for each accident or sickness
2. 20% of outpatient prescription drugs and medicines
3. any medical treatment in your home country (even if you return by medical evacuation)
4. routine medical examinations
5. treatment of congenital anomalies and conditions arising or resulting directly therefrom
6. dental services (except for up to $250 per tooth in conjunction with an accident covered by this insurance policy)
7. expenses incurred for eye examinations, eyeglasses or contact lenses (except in conjunction with an accident covered by this insurance)