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| Study USA Insurance, Study USA Health Insurance |
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Study USA Health Insurance provides affordable student medical insurance to foreign students studying in the US and to US registered students studying abroad. This flexible, comprehensive plan is tailored to the specific needs of students and their dependents. Study USA Preferred offers additional coverage for those who require it - no per day limits for hospital room, ICU, outpatient surgery and newborn baby nursery.
Study USA Insurance meets the health insurance requirements for international students at many universities. Upon purchase we can complete the insurance waiver form of US universities and send it to the International Students' Office.
| Policy Maximum
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Study USA Health Insurance
provides a Policy Maximum of up to $250,000. |
| Deductible
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$50 (In network or outside the US) or $150 (outside the network) per incident/illness, Deductible shall not exceed $250 per covered person per program year; the deductible is waived off if medical service is first received from the Student Health Center. |
| Co-insurance |
- Outside the
U.S. and In network in the US:
For the Certificate Period, the plan pays
80% of Eligible Expenses after the Deductible
up to $25,000, then 100% up to the Overall
Maximum Limit.
- In USA, Out
of network:
For the Certificate Period, the plan pays
70% of Eligible Expenses after the Deductible.
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| Coverage Options |
Coverage during initial purchase
is available for periods from 1 month up to
12 months. |
| Plan Life
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The Plan must be renewed annually
for up to 48 continuous months. |
| Underwriter |
Study USA Health Care Insurance is underwritten
by The Insurance Company of the State of Pennsylvania,
Philadelphia, PA. |
| Claims Administrator
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Study USA HealthCare Insurance is administered
by AIG Life Insurance Company. |
Eligibility:
Foreign students studying in the US under
age 66, and their dependents, with a valid visa and
are registered and engaged in academic activities
at a US school, college, or university. US registered
students studying outside the US under age 66, who
are registered with a US school, college, or university
and engaged in academic activities abroad (excluding
home country). Spouse and/or children (under age 18)
of enrolled students may apply for insurance with
the student, or within 31 days of birth, legal adoption,
marriage, or arrival in the country of study.
Coverage becomes effective at 12:01 am
Standard time on the latest of:
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The Master Policy
Effective Date;
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The Date indicated
on the Enrollment Form; or,
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The date the completed
Enrollment Form and premium are received by the
Program Administrator.
Coverage will end at 11:59 pm Standard
Time on the earliest of:
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The last day for
which premium was paid;
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the date you cease
to be eligible for this insurance; or,
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The date the Master
Policy terminates.
Plan Benefits:
See the chart below for some of the benefits that Study USA-HealthCare includes.
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Study USA-HealthCare™ |
Study USA-HealthCare™ Preferred |
| Medical
Expense, per incident |
Plan A:
$250,000 |
Plan B:
$300,000 |
Plan A:
$250,000 |
Plan B:
$300,000 |
| Intensive Care Unit (ICU) |
Limited to $500 per day |
Included (no per day limit) |
| Newborn Baby Hospital Nursery |
Limited to $500 per day |
Included (no per day limit) |
| Outpatient Surgery Facility |
Limited to $250 per day |
Included (no per day limit) |
| Semi-Private Room and Board |
Limited to $300 per day |
Included (no per day limit) |
Study USA HealthCare offers a broad range
of benefits including:
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Full medical coverage with a per incident maximum up to $250,000 or $300,000 depending on the plan.
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Pre-notification assistance to locate PPO facilities;
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Emergency Medical Evacuation coverage of $500,000 per person per policy period;
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Mental or Nervous Disorders/alcohol & Substance Abuse coverage up to $10,000;
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Repatriation of Remains $100,000;
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Emergency Medical
Reunion;
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Accidental Death
and Dismemberment with options up to $10,000;
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Emergency travelers
assistance;
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