emergency health conditions that first
start after you buy your
IMPORTANT: WE WILL NOT PAY FOR YOUR DOCTOR'S VISITS OR ANY OTHER
MEDICAL EXPENSES IF YOU ARE SICK, HURT OR KNOW THAT YOU WILL NEED TO
SEE THE DOCTOR WHEN YOU BUY YOUR INSURANCE.
Our Insurance covers you in case you become sick or injured, NOT
when you are already sick or hurt. We do not pay for expenses for an
illness or sickness that you already had before the start date of
your policy, or for routine doctor's visits or treatments.
Please fill in the information below to view the
generic policy wordings and summaries based on where you are and
where you are travelling.
If you have a dept code or access code enter it
below to view the specific documents for the given code.
If you already have a policy with us, please
enter your policy number to view your specific policy wordings
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Please include your guard.me policy number or student number in the email subject.
WHAT IS COVERED? (certain limitations apply)
If you, your insured partner or your insured child has a new
sickness or injury that first occurs AFTER the start date of your
your policy will cover these expenses:
We will pay for
doctor's visits to treat a new urgent condition in a doctor's
office or clinic. We will pay the doctor when you need to go to
the Emergency Room.
- EMERGENCY ROOM
When the doctor
says you need to go to the hospital, or you need urgent medical
care outside regular clinic or office hours, we will pay for
treatment at an Emergency Room (ER) at the Hospital.
When you are unable to
get to a hospital for an urgent condition, we will pay for an
ambulance to take you there.
- TESTS AND X-RAYS
When the doctor
says you need tests (such as blood or urine tests) or X-rays to
diagnose your new condition, we will pay for these tests. FOR
OTHER TESTS CALLED 'CAT' OR 'CT SCANS' AND 'MRI'S' YOU MUST CALL
THE ASSISTANCE LINE FIRST BEFORE YOU HAVE THE TESTS DONE.
If you need to stay in
the hospital, We will pay for all hospital costs.
Coverage for dental work
for the relief of acute pain and suffering.
- ACCIDENTAL DENTAL
If you are hit
in the mouth or are in an accident and your own teeth are damaged,
we will pay to repair or replace those teeth.
- PRESCRIPTION MEDICINES
If you go
to a doctor who gives you a prescription to go to the drug store
to buy medicine from the pharmacist, we will pay for the medicine
up to a maximum 30-day supply. We will NOT pay for refills of
IMPORTANT NOTICE: THIS IS A BRIEF SUMMARY OF BENEFITS ONLY. FULL
DETAILS ON BENEFITS, EXCLUSIONS AND LIMITATIONS ARE FOUND IN YOUR
POLICY. THE ACTUAL POLICY WORDING GOVERNS
WHAT IS NOT COVERED? (Exclusions)
This is a summary of exclusions ONLY, please read your policy
carefully for complete details.
- Treatment or medication to maintain a chronic, ongoing
condition (such as high blood pressure)
- Unstable Pre-existing conditions (please refer to the policy
- Plastic or cosmetic surgery or procedures
- Any expenses before coverage starts or after coverage has
- Medical services provided in your home country
- Extreme activities such as bungee jumping, skydiving etc.
- Medications available without prescriptions (over-the-counter
or OTC medicines)
- Any treatment required due to alcohol or drug abuse.