A valid visa holder who is outside their Home Country and registered within a program that includes: Optional Practical Training (OPT), H1B work program, language programs/school or university, summer or winter camp, and students arriving in the United States prior to the start of the school/university session. Individuals must be a minimum of 17 years and a maximum of 45 years. The Insured Person on this Plan who is an Eligible Person as identified in the Schedule of Benefits, a Non-United States Citizen travelling outside their Home Country and travelling to the United States and has their true, fixed and permanent home and principal establishment outside of the United States and holds a current and valid passport, and for whom proper Premium payment has been made when due. Insured Persons are those persons described as an Eligible Class. Students who are United States citizens are not eligible for coverage.

A valid visa holder who is outside their Home Country and registered within a program that includes: Optional Practical Training (OPT), H1B work program, language programs/school or university, summer or winter camp, and students arriving in the United States prior to the start of the school/university session. Individuals must be a minimum of 17 years and a maximum of 45 years. The Insured Person on this Plan who is an Eligible Person as identified in the Schedule of Benefits, a Non-United States Citizen travelling outside their Home Country and travelling to the United States and has their true, fixed and permanent home and principal establishment outside of the United States and holds a current and valid passport, and for whom proper Premium payment has been made when due. Insured Persons are those persons described as an Eligible Class. Students who are United States citizens are not eligible for coverage.