ExchangeGuard®
Insurance for Students and Exchange Visitors, their Dependents and their Family
ExchangeGuard is an international health insurance plan persons traveling to USA on an F or J visa.
ExchangeGuard Choice has 6 months waiting period for pre-existing conditions.
ExchangeGuard Essential has 12 months waiting period for pre-existing conditions.
The Description of Coverage (DOC) is a shorter version of the certificate wording. It does include all benefits and exclusions but does not have as much text revolving all benefits. It does have quite a bit more information than the brochure. Description of Coverage was created because the certificate wording is so long and sometimes difficult to navigate for a consumer. The DOC is more user friendly and has the need to know information.
Complete legal wording of the plan is included in the Master Policy.