Centros Culturales de México, A.C., hereinafter referred to as Universidad Panamericana and all the institutions belonging to the UP-IPADE system, shall not be held responsible, nor shall they be considered as a party to any contractual, extra-contractual, or judicial relationships, arising from the interaction between the students who utilize the information on our pages or official media, and the suppliers and/or possible lessors of any kind of service or lease.

Universidad Panamericana and all the institutions belonging to the UP-IPADE system dissociates themselves from any type of transaction involving the aforementioned subjects, and therefore does not collect or request information of such relationships, and likewise, does not provide any type of information for such purposes.

1. Essential Medical Coverage (The Non-Negotiables)

These are the cornerstones of any good insurance plan. Make sure your policy includes:

• Medical Expenses for Accidents or Illness: This should cover doctor's visits, hospitalization, surgery, specialist fees, prescription medications, and lab or imaging tests.

• Emergency Dental Care: This is usually limited to treating an accident-related injury or relieving acute pain. It does not cover routine cleanings or cosmetic treatments.

• Mental Health: Increasingly important. Check if the policy covers emergency psychological or psychiatric consultations.

• Pre-existing Medical Conditions: This is a crucial point! If you have a condition that was diagnosed before your trip (such as asthma, diabetes, etc.), you must ask if the policy covers it in the event of an acute crisis or complication. Many policies exclude them or have a waiting period.

2. Financial Limits & Deductibles (The Key Numbers)

• Maximum Coverage Amount (Policy Maximum): This is the maximum total amount the insurer will pay. Ask for a minimum of $50,000 USD per accident.

• Deductible: This is the amount you must pay out-of-pocket before the insurance begins to cover costs. Ideally, a student plan should have a $0 USD or a very low deductible (e.g., $50-$100 USD per incident). A high deductible might discourage you from seeking care for smaller issues because of the upfront cost.

• Coinsurance: This is the percentage of the cost you will have to cover after the deductible has been paid (e.g., the insurance pays 80%, you pay 20%). Look for policies that offer 100% coverage after the deductible.

3. Emergency & Evacuation Coverage (For Serious Situations)

• Emergency Medical Evacuation: Covers the cost of transporting you to the nearest adequate medical facility if proper care is not available locally. This service alone can cost tens of thousands of dollars.

• Repatriation of Remains: In the unfortunate event of death, this coverage handles the costs of returning the body to Mexico. This is a standard requirement for many visas and programs.

• Emergency Family Reunion: If you are hospitalized for an extended period (e.g., more than 5 days), some policies cover a plane ticket for a family member to join you.

• Political Evacuation or Natural Disaster: Provides coverage to remove you from the country if a political crisis or natural disaster puts your safety at risk.

4. Assistance & Logistical Services (How Easy Is It to Use?)

• 24/7 Assistance: It is critical that you can call at any time, on any day, and speak with someone who can guide you on which hospital to go to, what steps to take, etc. Ask if they offer assistance in your native language.

• Direct Payment to Providers (Direct Billing): Ask if the insurance company can pay the hospital directly. The alternative is for you to pay the entire bill (potentially thousands of dollars) and then file for reimbursement, which is very difficult for a student. Prioritize insurers with a large network for direct payment.

• Provider Network: Inquire if they have a network of affiliated hospitals and doctors in your destination city.

5. Important Inclusions & Exclusions

• COVID-19 Coverage: Verify that the policy explicitly covers medical expenses for the diagnosis and treatment of COVID-19, as well as potential quarantine costs if medically required.

• Sports Coverage: If you plan to participate in recreational sports (skiing, hiking, surfing, etc.), make sure they are not on the exclusion list or find out if you need to purchase an additional coverage "rider."

• Common Exclusions: Read the "fine print." Insurance policies generally do not cover self-inflicted injuries, injuries sustained under the influence of alcohol or drugs, or routine check-ups.

6. Documentation & Visa Requirements

• Official Proof of Coverage Letter: Request an official letter from the insurer (usually in English) that summarizes your coverage and policy limits. You will need this for registration at your host university.

Before you buy, ask these direct questions:

1. Does this policy meet the minimum insurance requirements of my host university? (Show them the requirements).

2. What is the total maximum coverage amount in U.S. dollars?

3. What is the deductible? Is it per incident or per year?

4. Do you offer direct payment to hospitals in my destination city?

5. Is the assistance hotline available 24/7 and can I get help in my native language?

6. Does this policy cover emergencies related to pre-existing medical conditions?

7. Does this policy explicitly cover COVID-19?

8. Does it cover amateur or adventure sports?

9. Does the plan include medical evacuation and repatriation of remains?

10. Can you provide me with a confirmation letter in English for my university?

In our longstanding partnership with Eduservicios Internacionales, we have found their insurance plan to be both affordable and comprehensive. Therefore, we highly recommend it to our students as a viable option. Check their website for additional information.

Plan "Student 100 + Special RC"

 30% off for being a UP student

Example for 6 months (180 days) = 382.49 USD + VAT - 30% = 310.59 USD + TAX.

Example for 5 months (150 days) = 322.50 USD + VAT - 30% = 261.87 USD + TAX.

For more information contact:

hola@seguroparaintercambio.com