Terms of Use
Product Highlights
Fidesure offers a comprehensive suite of insurance plans for international students. These plans satisfy visa requirements and can waive school mandated insurances. Our product portfolio includes approximately ten standard shelf plans and two-California-specific plans.
Plan Coverage Highlights:
1. Covers hospitalization for ICU / Cardiac Care, physician visits, and diagnostic testing.
2. Coverage for mental health therapy and higher-tier plans including pediatric, dental and vision care.
3. Covers pre-existing conditions after a waiting period in some plans, while others offer immediate coverage.
Available Plans:
- FidesureMate
- FidesureMate Plus
- FideLite
- FideRoot
- FidePro
- FideCore Lite
- FideCore Lite Plus
- FideSummit
- FideCore Summit Plus
- Fide OPT
- Fide J1
- Fide CA Arc
- Fide CA Edge
Dependent Coverage
For Fide J1 plans, you will receive dependent coverage for various people. Take a look at them:
Collegiate Care Enhanced Plus
1. Eligible Dependents: Coverage can be extended to the following family members traveling with the insured student:
2. Spouse or Domestic Partner: No specific age limit mentioned.
3. Dependent Children: Unmarried dependent children up to age 26, including natural children, legally adopted children, and stepchildren residing with the insured.
**Note: Dependents who are United States citizens or permanent legal residents are not eligible for coverage.
Minimum Purchase Requirements
The minimum purchase period for any plan is 3 months. Unless you purchase for 3 months, your eligibility will be denied.
Cancellation and Refund Policies
Members who request cancellation before the policy's effective date are eligible for a full refund. All cancellations must be submitted in writing and are based on the date received.
Cancellation After Effective Date
Here is the policy for cancellations after the effective date. Read to understand what you will do if you have filed a claim, and you haven’t filed a claim:
1. No Claims Filed: If there are no claims on file, the member will be refunded for the unused days, minus a $25 cancellation fee.
2. Claims Filed: If there are claims on file, the premium is considered fully earned, and no refunds will be issued.
Processing Cancellation Requests
Here is how the processing of cancellation requests works. Read below to find it details:
1. Submission: Cancellation requests must be submitted in writing via email. If a member sends a cancellation request to a broker or customer service department, it should be forwarded to Fidesure’s Customer Service team at info@fidesure.com.
2. Verification: Upon receiving the request, Trawick's Customer Service team will verify the details and proceed with the cancellation process as outlined above.
Effective and Termination Dates
Here is how the effective and termination dates of your insurance will work. Take a look and more in detail.
1. Coverage Begins: The insured person's coverage becomes effective on the later of:
- 30 days prior to the beginning of the term
or
- The first day the qualifying, newly enrolled, and arriving student arrives in the United States.
2. Coverage Ends: Coverage under the Extended Coverage Benefit will terminate on the earlier of:
- 30 days following the insured person's graduation or completion of an educational program
or
- The date of departure from the United States.
**Note: Dependents of insured persons who are covered under the Extended Coverage benefit may also continue coverage under the same terms and conditions as the insured person.
Period of Insurance
The insurance coverage term begins on the effective date as shown on the Medical Identification Card and ends at midnight on the date shown, but no longer than 365 days later. The coverage is not subject to guaranteed issuance or renewal
Duration of Coverage
Benefits are paid to the extent that an insured person receives any of the treatments covered under the Schedule of Benefits following the effective date, including any additional waiting periods, and up to the date such individual no longer meets the definition of insured person, or their last date of coverage.
Extension of Benefits
If an insured person is hospitalized on the termination date of coverage, benefits will continue to be paid until the earlier of discharge from the hospital they are confined, or until the maximum benefit has been paid, whichever occurs first. In no event will benefits continue beyond 30 days from the termination date of coverage.
Extended Coverage
Read and find out what a student will receive in their extended coverage:
1. Newly Enrolled and Arriving Students: To be eligible for the Extended Coverage Benefit:
- A newly enrolled and arriving student must have enrolled in full-time studies at the higher education institution
and
- All premiums must be paid.
2. Coverage Effective Date: Coverage under the Extended Coverage Benefit will become effective on the later of:
- 30 days prior to the beginning of the term
or
- On the first day of the qualifying, a newly enrolled, and arriving student arrives in the United States.
3. Students Concluding Their Studies: An insured person may extend coverage for a maximum of 30 days while remaining in the United States following graduation or completion of an educational program.
4. To be eligible for the Extended Coverage benefit, the insurer must receive the request for Extended Coverage prior to the termination of the insured person's coverage, and All premiums must be paid.
5. Coverage Termination: Coverage under the Extended Coverage Benefit will terminate on the earlier of:
- 30 days following the insured person's graduation or completion of an educational program,
or
- The date of departure from the United States.
Updates to This Policy
We possess the right to update our privacy policy periodically. We will notify you in case of any significant changes through our website or direct communication.
Contact Us
For any questions or concerns about the privacy policy, contact us at:
Fidesure Customer Support:
1. Email: info@fidesure.com
2. Toll-Free:
+1 78675 58175 US,
+91 926 7984759 India