InterExchange | AuPair Upgrade
Included as part of your Au Pair program, you will be enrolled in the “Standard” Aupair insurance plan providing you with all the core benefits you will need when abroad. If you would like to increase your insurance coverage you will have the opportunity to upgrade your insurance plan to the “Premium” Au Pair insurance plan, which offers a much higher level of coverage and lower out of pocket expenses.
Benefits of upgrading:- Increase your coverage to $3,000,000
- Lower your deductible to $25 per injury/illness
- 100% coinsurance, even when out of network
- A range of additional benefits, not included in the Standard plan
Here is a comparison of the two plans:
| Plan Benefits | Standard Plan | Premium Plan |
|---|---|---|
| Lifetime Maximum | $100,000 | $3,000,000 |
| Deductible | $75 per injury/ illness | $25 per injury/ illness |
| ER Deductible | $250 for illness and not admitted | $250 for illness and not admitted |
| Coinsurance |
In-Network: 100% after the deductible Out of Network: 80% up to $5,000, and 100% over that |
After you pay the deductible, the plan pays 100% to the Medical Maximum |
| Outpatient Medical Expenses | 100% of usual, reasonable and customary | 100% of usual, reasonable and customary |
| Hospital Room and Board | 100% of usual, reasonable and customary | 100% of usual, reasonable and customary |
| Intensive Care | 100% of usual, reasonable and customary | 100% of usual, reasonable and customary |
| Prescription Medications | 100% of usual, reasonable and customary | 100% of usual, reasonable and customary |
| Local Ambulance |
100% for injuries 100% for illness when admitted |
100% for injuries 100% for illness when admitted |
| Dental (Accident Coverage) | 100% to Medical Maximum | 100% to Medical Maximum |
| Dental (Sudden Relief of Pain) | $200 limit per certificate | $200 limit per certificate |
| Emergency Medical Evacuation/Repatriation | $50,000 | $50,000 |
| Return of Mortal Remains | $25,000 | $25,000 |
| Assistance Services | Included | Included |
| Emergency Reunion | No Coverage | $4,000 |
| Accidental Death and Dismemberment | No Coverage | $50,000 |
| Interruption of Trip | No Coverage | $5,000 |
| Mental Illness |
Inpatient — 100% up to $5,000 (Max 30 days) Outpatient - 100% up to $500 DialCare included |
Inpatient — 100% up to $10,000 (Max 30 days) Outpatient - 100% up to $1000 DialCare included |
| Physical Therapy | $100 per visit (10 visits max, medical order or treatment plan required) | 100% to the Medical Maximum (medical order or treatment plan required) |
| Personal Liability | No Coverage | $100,000 ($25,000 Property Damage) |
| Loss of Checked Luggage | No Coverage | $2,000 |
| Trip Delay | No Coverage | $400 maximum |
If you would like to purchase the higher coverage, you can do it anytime before you depart your home country and right up until the day of your orientation in the USA. After that point, you will not be able to increase your coverage!
Student Zone
Learn more about using and managing your international insurance plan:
USA Toll Free (855) 731-9445
USA Direct +1 (317) 927-6806
CustomerCare@IMGlobal.com