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Study USA 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.


Study USA Platinum
Within PPO network: After deductible, pays 85% to $10,000 then 100% to policy maximum. Outside PPO network: After deductible, pays Usual, Reasonable and Customary to policy maximum. Outside US: After deductible, covers at 100% up to the policy maximum.
To policy maximum

Medical - Outpatient

To policy maximum
To policy maximum
To policy maximum In US: Extra $100 copay for visit that does not result in inpatient hospital admission.
Deductible: $15 for generic, $30 for brand-name
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
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

Medical - Other Treatment And Services

60 days
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
Recreational: Included. Optional School/Club Sports: $10,000 per injury/illness.
$350 per injury/illness, if covered injury/illness results in hospital admission.
80% to $20,000 (URC outside PPO). Outside US: 100% to $20,000. Pregnancy must begin after effective date.
80% to policy maximum (URC outside PPO). Outside US: 100% to policy maximum. 30 days maximum.
80% to policy maximum (URC outside PPO).Outside US: 100% to policy maximum. 30 visits maximum.
Included in the Mental & Nervous Disorder benefit
Physical Therapy and Chiropractic Care: $75 per day. 

Must be ordered in advance by a physician. Cannot be provided at a Student Health Center.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
After 6 month waiting period, same as any other eligible expense.
Routine physical: 1 per year


$100 - Not subject to deductible or coinsurance
$1,000 - Not subject to coinsurance

Plan Features

Before effective date, full refund. After effective date, must be within first 60 days, pro-rated refund for whole months minus $25 cancellation fee, as long as no claims have been filed since the effective date.
30 days up to 1456 days
Optional Vaccination Benefit Rider: $150.
Per Incident
$25 Up to 65
Lifetime Maximum
$500,000 Up to 65

Get instant quotes for this plan and purchase today!

  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).

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Why buy insurance from Insubuy?

Same Price. Better Service.®

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

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Healthcare costs are very high in the U.S.

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

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

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

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

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