High School programs

Insurance solutions for High School programs

Your participants are minors, far from home. Their coverage should support your duty of care and give host families and your team a reliable framework.

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Illustration of a high school exchange student studying
Built for minors abroadDuty of care, from arrival to return

Your responsibilities

What matters most in High School programs

Working with minors in supervised environments brings unique responsibilities. Your coverage should reflect them.

  • 01Duty of careGap-free protection for minors, built around the responsibility you carry.
  • 02Easy access to careFast, simple access to care, with clear guidance for participants and host families.
  • 03Coverage for real lifeInjuries, illnesses and mental health support for active, social teenagers.
  • 04Program complianceMeets visa rules and sponsor or destination requirements.

Sample plan

How a High School solution can be structured

An overview of a typical structure, based on our experience with High School programs.

Final coverage, benefits and limits are always tailored to your program requirements, destination, participant profile, insurance carrier and claims administrator.

Medical coverage highlights11
  • Overall policy maximum between $100,000 and $2,000,000, available per illness, per injury or per policy year
  • Low out-of-pocket expenses for the minor participant
  • Deductibles, copayments and coinsurance kept as low as reasonably possible
  • Emergency room care, with education on when it should be used (U.S. programs)
  • Affordable, easy-to-access urgent care, walk-in clinic and telemedicine options (U.S. programs)
  • Hospital treatment and ancillary charges
  • Physician services (office and hospital visits)
  • Physiotherapy
  • Prescription drugs
  • Ambulance transportation
  • Emergency treatment of pre-existing conditions
Exclusion options5
  • Standard exclusions applicable to the population, with the ability to customize
  • Exclusions for sports and hazardous activities, often customized for an active and adventurous group
  • Exclusions for mental health, often changed to limited benefits
  • Exclusions for routine and preventive care, often changed to limited benefits
  • Exclusions for pre-existing conditions, reviewed and customized if necessary
Emergency assistance services5
  • 24/7 multilingual emergency medical assistance and support
  • Medical evacuation and repatriation
  • Repatriation of mortal remains
  • Compassionate emergency visit (round trip home and back in case of a death or life-threatening condition of an immediate family member)
  • Bedside (family reunion) benefit: round-trip ticket plus meals and lodging for one family member if a student is hospitalized. High School usually only requires a 3-day admission
Additional benefits2
  • Telemedicine access
  • PPO network appropriate for the group (U.S. programs)
Optional add-ons3
  • Pre-existing condition benefits
  • Liability coverage
  • Baggage coverage
Program support and access4
  • Dedicated account manager to advocate for and assist students
  • Digital access to policy, ID card and other documents
  • Claims support and guidance
  • Educational resources for participants and organizations

Let’s design the right coverage for your program

Tell us about your program and we’ll guide you through the next steps, whether you already have requirements or just want to explore options.

Request your customized plan or contact us