GradGuard Support

Yes, tuition insurance may provide reimbursement for medical withdrawals due to illness — including Covid-19 and other infectious diseases — when the withdrawal meets the plan's covered reason criteria.

How does illness coverage work?

For a withdrawal due to illness to be considered, all of the following must apply:

• The illness must be disabling enough to make a reasonable person completely withdraw from school
• The withdrawal is advised by a licensed medical professional
• The student completely withdraws from the covered term
• The illness is not excluded under the plan's pre-existing condition provisions

If a student contracts Covid-19 and a physician advises complete withdrawal from the term, this may qualify as a covered reason.

What about pre-existing condition considerations?

If a student had a documented history of a condition that contributed to a severe illness — for example, an underlying condition that made recovery more complicated — the pre-existing condition provisions of the plan may be relevant. Review the pre-existing condition FAQ for full details on how the waiver criteria apply.

What is not covered

The following illness-related situations are generally not covered:

• A student chooses to withdraw out of concern about potential exposure, without a medical directive to do so
• The student does not completely withdraw — for example, moves to remote learning without formally withdrawing
• The withdrawal is due to school closure or program changes, rather than the student's own medical condition

Terms, conditions, and exclusions (including for pre-existing conditions) apply. Plans only available to U.S. residents and may not be available in all jurisdictions. Insurance benefits are underwritten by Jefferson Insurance Company. GradGuard, a service of Next Generation Insurance Group, LLC (NGI), is the licensed agent for all insurance programs. Plans include insurance benefits and assistance services. Non-insurance benefits/services, and claims administration, are provided by AGA Service Company.