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Student Health Advantage Platinum Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this information. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information, as it is not possible to accurately represent all the details in concise information such as follows, or call us for further details. If there is any discrepancy between this information and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Vision (eyeglasses, etc.) is not covered in any of the plans.


Student Health Advantage Platinum
Within PPO network/At Student Health Center/Outside US: After deductible, 100% to policy maximum.

Otherwise: After deductible, pays 80% up to $5,000, then 100% up to policy maximum.
$5 copay, deductible waived

Medical – Outpatient

To policy maximum

1 visit per day.
To policy maximum

Extra $250 copay for illness visit that does not result in hospital admission.
50% of actual charges
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum

Medical – Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum

Medical – Other Treatment And Services

60 days
To policy maximum
Amateur, Recreational: Included. School/Club Sports: $5,000 per injury/illness.
$750 per injury/illness, for injury or if covered illness results in hospital admission.
80% (60% outside PPO), $5,000 maximum combined with Newborn Care.

Pregnancy must begin after effective date; cannot be Invitro.
$10,000. Cannot be provided at a Student Health Center.
$50 per day, $500 maximum. Cannot be provided at a Student Health Center.
Included in the Mental & Nervous Disorder benefit
Physical Therapy: To policy maximum, 1 visit per day. Must be ordered in advance by physician.
After 6 month waiting period, same as any other eligible medical expense.
Routine care for first 31 days, $5,000 maximum combined with Maternity.
50% reduction in benefits


Insured: $25,000, Spouse: $10,000, Child: $5,000
Included in AD&D benefit


Incidental: 14 days after 30 days of continuous coverage, non-US residents only.
Outside Country of Residence

Plan Features

Before effective date, full refund.

After effective date, pro-rated refund for whole months minus $50 cancellation fee, as long as no claims have been filed since the effective date; form required.
1 month up to 5 years
Postal Mail
Per Incident
$25 Up to 64
Per Incident
$500,000 Up to 64
International Medical Group (IMG)
Sirius International

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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