International Student Medical Insurance for when your studies take you far from home.
Why Do I Need Student Medical Insurance?
Every year, thousands of students study outside of their home countries. What happens if they experience an unexpected illness while traveling abroad? How can they find insurance that meets the requirements of their educational institutions before they go?
Study USA-HealthCare is available for as little as $1.03 a day.*
Get medical insurance for you or your entire family. Study USA has important benefits including:
- Illness and Medical Expense Protection
- Emergency Health Care
- 24-Hour Assistance Services
- Emergency Medical Evacuation
- Mental or Nervous Disorders Care; including substance abuse treatments under Preferred 300 and Preferred 500 plans
- Repatriation of Remains
- Accidental Death and Dismemberment
- Terrorism benefits
Why should I choose Study USA-HealthCare?
Study USA-HealthCare takes the guesswork out of insurance for students traveling abroad. Designed specifically to meet the needs of international students and scholars, it's coverage that travels with you ... and meets or exceeds U.S. government student visa requirements.
Who is eligible?
Study USA-HealthCare is available to:
- Full-time students** at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days, or
- Full-time scholars** affiliated with an educational institution and performing work or research for at least 30 hours per week.
- Students residing outside their home country for the purpose of pursuing international educational activities; and
- Those who have not obtained residency status in the host country.
Enjoy Your Travel Experience … and Study Worry-Free
Preparing to study in the United States, or any foreign country, is an exciting experience. Travel Insurance Services can help you get the international medical insurance you need to meet school requirements. With our Study USAHealthCare coverage you get:
- Choice of coverage levels, so you can find the right plan for your needs and budget.
- Instant confirmation and ID card, sent to you via email, so you can immediately provide your school with the required proof of coverage.
- Up to 364 consecutive days of coverage, renewable for up to 4 years.
Plan Highlights
| Benefit | Standard | Preferred 300 | Preferred 500 | |
|---|---|---|---|---|
| Overall Maximum Limit | $200,000 | $300,000 | $500,000 | |
| Maximum Injury or Illness | $100,000 | $300,000 | $500,000 | |
| Pre-existing Condition Waiting Period | 12 Months $500 maximum per certificate period | 12 Months | 6 Months | |
| Deductible (except emergency room) | $50 in network / $150 out of network | $45 in network / $90 out of network | $25 in network / $50 out of network | |
| ER Deductible | $350/incident | $250/incident | $100/incident | |
| Coinsurance - Claims Incurred Inside the U.S. | ||||
| In-Network Payment | 80% after the deductible, up to $25,000, then 100% to the overall maximum limit. | 80% after the deductible, up to $25,000, then 100% to the overall maximum limit. | 80% after the deductible, up to $25,000, then 100% to the overall maximum limit. | |
| Out-Network Payment | Usual, reasonable, and customary (URC) | Usual, reasonable, and customary (URC) | Usual, reasonable, and customary (URC) | |
| Coinsurance - Claims Incurred Outside the U.S. | 100% after the deductible, up to overall maximum limit. | 100% after the deductible, up to overall maximum limit. | 100% after the deductible, up to overall maximum limit. | |
| Local Ambulance | $350 per injury/illness | $350 per injury/illness | $350 per injury/illness | |
| Prescription Drugs | $10 deductible for generic drugs; $20 deductible for brand name | $10 deductible for generic drugs; $20 deductible for brand name | $10 deductible for generic drugs; $20 deductible for brand name | |
| Wellness | 100% of one routine physical exam per member | 100% of one routine physical exam per member | 100% of one routine physical exam per member | |
| Intercollegiate, Interscholastic, Intramural or Club Sports | $2,500 max. per injury or illness, medical expenses only | $5,000 max. per injury or illness, medical expenses only | $5,000 max. per injury or illness, medical expenses only | |
| Dental Treatment due to Accident | N/A | $1,000 maximum per certificate period | $1,000 maximum per certificate period | |
| Dental Treatment to Alleviate Pain | N/A | $100 | $100 | |
| Emergency Medical Evacuation | $250,000 lifetime max. | $500,000 lifetime max. | $500,000 lifetime max. | |
| Repatriation of Remains | $25,000 lifetime max. | $25,000 lifetime max. | $25,000 lifetime max. | |
| Terrorism | $50,000 lifetime max. | $50,000 lifetime max. | $50,000 lifetime max. | |
| Accidental Death & Dismemberment | $25,000 lifetime max. | $25,000 lifetime max. | $25,000 lifetime max. | |
| Emergency Reunion (Max. 15 days) | $2,500 | $2,500 | $5,500 | |
For other benefit details including Mental Health Disorders, Maternity Care, Physical Therapy and more, please view the Description of Coverage.
Rates
| Student Only Per Day Rates | ||||
| Age | Standard | Preferred 300 | Preferred 500 | |
| Under 25 | $1.36 | $2.18 | $2.48 | |
| 25 - 29 | $2.57 | $3.18 | $3.62 | |
| 30 - 34 | $3.49 | $4.03 | $4.59 | |
| 35 - 39 | $4.94 | $5.70 | $6.48 | |
| 40 - 44 | $6.21 | $7.17 | $8.18 | |
| 45 - 49 | $6.48 | $7.77 | $8.85 | |
| 50 - 54 | $12.12 | $14.35 | $16.34 | |
| 55 - 65 | $14.59 | $17.20 | $19.59 | |
| Student & Spouse Per Day Rates | ||||
| Age | Standard | Preferred 300 | Preferred 500 | |
| Under 25 | $14.32 | $15.14 | $17.26 | |
| 25 - 29 | $17.93 | $18.96 | $21.59 | |
| 30 - 34 | $20.74 | $26.43 | $30.12 | |
| 35 - 39 | $27.86 | $36.86 | $41.98 | |
| 40 - 44 | $30.57 | $41.26 | $46.99 | |
| 45 - 49 | $32.77 | $46.19 | $52.59 | |
| 50 - 54 | $41.41 | $51.53 | $58.70 | |
| 55 - 65 | $54.37 | $57.51 | $65.50 | |
| Student & Child Per Day Rates | ||||
| Age | Standard | Preferred 300 | Preferred 500 | |
| Under 25 | $9.04 | $9.57 | $10.90 | |
| 25 - 29 | $9.79 | $10.36 | $11.79 | |
| 30 - 34 | $10.37 | $11.98 | $13.64 | |
| 35 - 39 | $11.15 | $13.84 | $15.75 | |
| 40 - 44 | $12.30 | $18.11 | $20.62 | |
| 45 - 49 | $15.75 | $23.69 | $26.98 | |
| 50 - 54 | $22.31 | $28.56 | $32.53 | |
| 55 - 65 | $32.58 | $34.46 | $39.24 | |
| Student & Family Per Day Rates | ||||
| Age | Standard | Preferred 300 | Preferred 500 | |
| Under 25 | $21.05 | $22.27 | $25.36 | |
| 25 - 29 | $24.80 | $26.24 | $29.88 | |
| 30 - 34 | $27.13 | $33.95 | $38.67 | |
| 35 - 39 | $33.19 | $43.91 | $50.03 | |
| 40 - 44 | $37.85 | $48.13 | $54.83 | |
| 45 - 49 | $39.70 | $52.77 | $60.10 | |
| 50 - 54 | $44.46 | $57.84 | $65.90 | |
| 55 - 65 | $59.96 | $63.43 | $72.24 | |
Administrator
USI Affinity | Travel Insurance ServicesOne International Plaza, Suite 400
Philadelphia, PA 19113
Study USA HealthCare claims are administered by Tokio Marine HCC - MIS Group.
Underwriter
Lloyd's of London - Syndicate 4141
FOR ADDITIONAL INFORMATION
Insubuy®, Inc.4200 Mapleshade Ln, Suite 200
Plano, TX 75093
Toll Free:
(866) INSUBUY
Phone:
(972) 985-4400
Fax:
(972) 767-4470
Website:
www.insubuy.com
Please note: This is only a brief description of the coverage(s) available. The policy Description of Coverage may contain reductions, limitations, exclusions and termination provisions. Coverage may not be available in all states. Please refer to the complete Description of Coverage for full coverage details.
Version:
BRO-0073-0618_TRAVEL
Rates Updated: 9/20
7/1/2018