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Full Time Students Group Health Plan - Health Guard


Schedule of Benefits | Claim Procedure

University life can be quite a challenge. Coping with the responsibilities of growing up and an intensive workload has its rewards and problems. Caribbean Home recognizes that in this special period of your life, you must take care of yourself so we have designed a comprehensive health package to cater to the dynamics of campus life.

Offers extensive coverage on medical consultations and treatments with a maximum benefit of $50,000. Now you can afford to take care of your health with this special plan that provides hospitalization, surgical and prescription benefits as well as considerable coverage on doctors’ visits, specialist consultations, diagnostics, x-rays and laboratory reports.


The plan does not cover the following:-

1) Self-afflicted injury while sane or insane; treatment of chronic alcoholism, drug addiction, severe allergy or nervous or mental disorders.
2) Injury or illness resulting from civil insurrections or war.
3) Rest cures, sanitaria or custodial care.
4) Cosmetic or plastic surgery unless necessitated by accidental injury
5) General dental care, general health examinations or the supply or fitting of spectacles, hearing aids.
6) Disability originating prior to the effective date of the Insured’s coverage. However, after six months of continuous coverage without medical expenses having been incurred, this limitation ceases to apply.
7) All expenses related to pregnancy (including childbirth, miscarriage or abortion) and complications arising therefrom.
8) The administration of prescription of preventative medicine.
9) Expenses incurred other than those which are necessary for the health of a member.

Frequently Asked Questions

Deductible means the amount of eligible expenses incurred by each Insured during each calendar year, which is not reimbursable by the Company.

Co-Insurance means the percentage of eligible benefits payable by the Company after the insured has satisfied the calendar year deductible.

Reasonable & Customary
A charge for medical care which shall be considered to the extent that it does not exceed the general level of charges being made by others of similar standing in the locality where the charge is incurred.