Student Health Advantage

Optional Rider for Student Health Advantage

Under the Student Health Advantage plans, you may elect to purchase an optional rider at the time of application. The optional rider provides additional coverage for a minimal charge.


Adventure Sports Rider

The Adventure Sports Rider is available for eligible participants. Certain activities designated as adventure sports can be covered up to the maximums listed below. Certain activities are never covered regardless of whether or not the Adventure Sports Rider is issued. For a list of activities which can be considered to be adventure sports, a sample rider can be provided upon request.

Age Lifetime Maximum
31 days-49 $50,000
50-59 $30,000
60-64 $15,000

Sample rider insurance contract.


Six Month Pre-Existing Condition Rider
Optional benefit only available on the Standard plan. Included at no extra cost on the Platinum plan.

The Maternity & Pre-Existing Condition Rider is available for eligible participants. Under this rider, eligible medical expenses for pre-natal care, delivery, post-natal care, and care of newborns can be covered after the insured has maintained coverage continuously for 10 months and the pregnancy is a result of natural insemination. Eligible medical expenses relating to a pre-existing condition can be covered after the insured has maintained coverage continuously for 6 months.

The Platinum plan is available for individuals and groups whose destination is in the United States, including all 50 states. Maternity is covered same as any other illness.


This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.