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Global Student USA Insurance

Global Student USA Insurance - Quote Buy Online
Global Student USA Insurance
Global Student USA Insurance - Quote Buy Online

Global Student USA Insurance Brochure Global Student USA Insurance and Global Student USA Preferred Insurance is designed for foreign students studying in USA.

Global Student USA Insurance is ideal international student health insurance for students from all nationalities who are pursuing academic studies and research in the United States. The Global Student USA plan offers medical coverage and emergency services to participants who must be age 64 or younger and engaged in international education or research while in USA.





Global Student USA Insurance

Global Student USA Insurance - Plan Highlights


Global Student USA Standard Insurance and Global Student USA Preferred Insurance both provide medical insurance coverage protection for foreign students who are studing in USA and outside their home country.

The main difference between the Global Student USA Standard and Global Student USA Preferred plans is related to the initial coverage levels of each plan. The Standard plan provides 80% coverage for the first $10,000 in claims incurred in a given policy year, and then covers the member at 100% for up to an additional $240,000. The Preferred plan provides 100% coverage for the first $5,000 in claims incurred in a given policy year, and then covers the member at 80% for up to an additional $245,000. In both cases, the member would pay 20% coinsurance to HTH Worldwide's 80% coverage accordingly


Policy Maximum Maximum medical coverage is $250,000 per annum (lifetime maximu of $1,000,000) for both Global Student USA and Global Student USA Preferred.
Deductible $100 per each injury or sickness ($50 deductible applies if you visit the student health center)
Features Global Student USA Preferred:
  • Provides $250,000 of coverage per year
  • 100% cover for first $5,000 of expenses
  • Designed for International Students studying in the U.S.
Global Student USA Standard:
  • Provides $250,000 of coverage per year
  • Designed for International Students studying in the U.S.
Eligibility - Non-citizens studying in the United States
- Age: 64 years old or younger
- International students engaged in education in USA
- Foreign students pursuing academic research in America
Pre-Existing Condition Definition - Any Injury or Illness which meets the following criteria: a) condition(s) that would have caused a person to seek medical advice, diagnosis, care or treatment during the thirty-six (36) months prior to the Effective Date of coverage under this Policy; b) condition(s) for which manifestation, medical advice, diagnosis, care or treatment was recommended, received, or noticed during the six (6) months prior to the Effective Date of coverage.
Coverage - Hospital room & board charges
- Hospital intensive care unit charges
- Local Ambulance
- Terrorism
- Accidental death & dismemberment
- Loss of checked luggage, trip interruption etc.,
Plan Administrator Global Student USA is administered by HTH Worldwide Insurance, based in Radnor, PA, USA.
Policy Underwriter Global Student USA is underwritten by Unicare.
Quote / Buy Online Quote, apply and purchase online to buy Global Student USA Insurance instantly.
Brochure Complete, mail/fax the Global Student USA Insurance Brochure along with payment



Global Student USA Insurance

Global Student USA Insurance - Plan Details



Global Student USA Insurance - Plan Benefits


Make Your Stay in the USA Safe and Healthy!


Each year, tens of thousands of international students and scholars protect themselves with HTH insurance plans while they are in the USA. Our plans combine comprehensive, competitively priced insurance protection with critical information and medical assistance services to help you find and pay for quality healthcare services.

The Global Student USA and Global Student USA Preferred plans meet all U.S. visa requirements. HTH Worldwide Insurance Services administers these plans, delivering convenient customer service online and via a toll-free multilingual call center. Customers can search for a doctor, view plan information, download forms and more.

Why Choose HTH Worldwide?


Leadership


HTH is a leader in global health insurance and assistance, serving hundreds of thousands of globalists annually.

Highest Standards


Every aspect of HTH insurance programs is designed to meet the highest expectations for quality and service.

Good Value


HTH offers plans tailored to customers' needs and priced to meet most budgets.

Eligibility


Plans are open to non-US citizens temporarily located outside their home country as a non-resident alien, engaged in full-time international education between the ages of 14 and 64. Participants may be asked to verify their visa status by entering their I-20 or DS-2019 number. Dependent coverage is not available.

How to Enroll


To enroll in this program, complete the enrollment form and See front cover for details. Eligible Participants may enroll prior to departure from their home country, within 31 days of arrival in the Country of Assignment or within 31 days of matriculation/ registration. The coverage may be purchased to cover any period of time, in full months, up to 12 months.

Effective Dates


Coverage will begin on the date requested in the enrollment form or the date the completed enrollment form and fees have been received by HTH Worldwide Insurance Services, whichever is later. Coverage is effective 24 hours a day, worldwide, except whenever Covered Person is in his/her home country. Coverage will commence at 12:01 a.m. on the effective date of the insurance and terminate at 11:59 p.m. on the last date of coverage. Coverage will terminate on the earliest of the following dates: 1) upon termination of the Policy; 2) the date the participant ceases to meet eligibility requirements; 3) upon expiration of period of coverage requested in the enrollment form; 4) on the first date for which premium and fees have not been paid.

If the enrollment form is received by facsimile: The coverage will be effective at 12:01 a.m. on the day which is at least 24 hours after the time and date of the receipt of the enrolment form.

Plan Benefits


 

Global Student USA Preferred

Global Student USA

Coverages

Limits - Covered Person
No dependents allowed - No U.S. Citizens

Limits - Covered Person
No dependents allowed - No U.S. Citizens

Medical Benefits

Lifetime Maximum Benefits

$1,000,000 for Participant $1,000,000 for Participant

Policy Year Maximum Benefits

$250,000 for Participant $250,000 for Participant

Maximum Benefit per Injury or Sicknesses

$250,000 for Participant $250,000 for Participant

Basic Medical Expense Benefit per Injury or Sicknes

Up to $5,000 Maximum:
100% of Reasonable Expenses after Deductible.
Up to $10,000 Maximum:
80% of Reasonable Expenses after Deductible.

Supplemental Major Medical Expense Benefit(SMM) per Injury or Sickness

After Basic Medical Expense Benefit Maximum has been paid, 80% of Reasonable Expenses up to an additional $245,000 Maximum for Participant After Basic Medical Expense Benefit Maximum has been paid, 100% of Reasonable Expenses up to an additional $240,000 Maximum for Participant

Deductible

$100 per Injury or Sickness - Deductible is reduced to $50 if treatment is received at Recognized Student Health Center or if initial treatment is received at Recognized Student Health Center. $100 per Injury or Sickness - Deductible is reduced to $50 if treatment is received at Recognized Student Health Center or if initial treatment is received at Recognized Student Health Center.

Physician Office Visits, Inpatient Hospital Services, Hospital and Physician Outpatient Services

For Basic, after Deductible, 100% of Reasonable Expenses. For SMM Benefit, after Deductible, 80% of Reasonable Expenses.
For Inpatient Hospital Services - Maximum payment for Intensive Care Facilities up to $1,000 per day.
For Basic, after Deductible, 80% of Reasonable Expenses. For SMM Benefit, after Deductible, 100% of Reasonable Expenses.
For Inpatient Hospital Services - Maximum payment for semi-private accommodations up to $500 per day and for Intensive Care Facilities up to $1,000 per day.

Medical Benefit Limitations

 

Maternity Care for a Covered Pregnancy

Reasonable Expenses Reasonable Expenses

Inpatient treatment of mental and nervous disorders including drug or alcohol abuse

Reasonable Expenses up to $5,000 Maximum per lifetime Reasonable Expenses up to $5,000 Maximum per lifetime

Outpatient treatment of mental and nervous disorders including drug or alcohol abuse

Reasonable Expenses up to $500 Maximum per lifetime Reasonable Expenses up to $500 Maximum per lifetime

Treatment of Specified therapies, including acupuncture and Physiotherapy

Reasonable Expenses for up $10,000 maximum per Injury or Sickness on an Inpatient basis. Reasonable Expenses for up $10,000 maximum per Injury or Sickness on an Inpatient basis.

Therapeutic termination of pregnancy

Reasonable Expenses up to $500 per Policy Year Reasonable Expenses up to $500 per Policy Year

Medical treatment arising from participation in intercollegiate, interscholastic, intramural or club sports

Reasonable Expenses up to $5,000 Maximum per Policy Year Reasonable Expenses up to $5,000 Maximum per Policy Year

Medical treatment of Injuries sustained as a result of a covered motor vehicle accident

Reasonable Expenses up to $10,000 Maximum per Policy Year Reasonable Expenses up to $10,000 Maximum per Policy Year

Repairs to sound, natural teeth required due to an Injury

100% of Reasonable Expenses up to $250 per tooth 100% of Reasonable Expenses up to $250 per tooth

Professional ground or air ambulance service to nearest hospital

Reasonable Expenses up to $350 per Injury or Sickness Reasonable Expenses up to $350 per Injury or Sickness

Outpatient prescription drugs

50% of actual charge 50% of actual charge

Home Country Coverage (While Insured)

100% of Reasonable Expenses up to $5,000 lifetime maximum 100% of Reasonable Expenses up to $5,000 lifetime maximum

Other Coverages

 

Accidental Death & Dismemberment

Maximum Benefit: Principal Sum up to $10,000 N/A

Repatriation of Remains

Maximum Benefit up to $25,000 Maximum Benefit up to $25,000

Medical Evacuation

Maximum Lifetime Benefit for all Evacuations up to $100,000 Maximum Lifetime Benefit for all Evacuations up to $100,000

Bedside Visit

Up to a maximum benefit of $1,500 for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one (1) person. Up to a maximum benefit of $750 for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one (1) person.

Monthly Program Rates


Age of Participant

Global Student USA Preferred

Global Student USA

14-18 $50 $35
19-23 $67 $38
24-30 $98 $74
31-40 $142 $110
41-50 $243 $182
51-64 $314 $248


Premium Rates


Always quote online to Buy Global Student USA Insurance to get the latest rates from the insurance company directly. Ages 80+ limited to $15,000. Dep. Child rate is applicable when at least one parent will also be covered under Liaison Majestic. Child Alone rate is used when a child will be insured by themselves.




Policy Exclusions


The Insurer does not pay benefits for loss due to a Pre-Existing Condition during the first one (1) year of coverage. Pre-Existing Conditions will be covered after the Covered Person's coverage has been in force for one (1) year. This limitation does not apply to the Medical Evacuation Benefit, the Repatriation of Remains Benefit and to the Bedside Visit Benefit. Unless specifically provided for elsewhere under the Policy, the Policy does not cover loss caused by or resulting from, nor is any premium charged for, any of the following:
  1. Preventative medicines, routine physical examinations, or any other examination where there are no objective indications of impairment in normal health.
  2. Services and supplies not Medically Necessary for the diagnosis or treatment of Sickness or Injury.
  3. Surgery for the correction of refractive error and services and prescriptions for eye examinations, eye glasses or contact lenses or hearing aids, except when Medically Necessary for the Treatment of an Injury.
  4. Plastic or cosmetic surgery, unless they result directly from an Injury which necessitated medical treatment within 24 hours of the Accident.
  5. For diagnostic investigation or medical treatment for infertility, fertility, or birth control.
  6. Expenses incurred in excess of Reasonable Expenses.
  7. Expenses incurred for Injury resulting from the Covered Person's being legally intoxicated or under the influence of alcohol as defined by the jurisdiction in which the Accident occurs. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains Benefit and to the Bedside Visit Benefit.
  8. Voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a Physician. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains Benefit and to the Bedside Visit Benefit.
  9. Organ or tissue transplant.
  10. Participating in an illegal occupation or committing or attempting to commit a felony.
  11. For treatment, services, supplies, or Confinement in a Hospital owned or operated by a national government or its agencies. (This does not apply to charges the law requires the Covered Person to pay.)
  12. While traveling against the advice of a Physician, while on a waiting list for a specific treatment, or when traveling for the purpose of obtaining medical treatment.
  13. The diagnosis or treatment of Congenital Conditions, except for a newborn child insured under the Policy.
  14. Treatment to the teeth, gums, jaw or structures directly supporting the teeth, including surgical extraction's of teeth, TMJ dysfunction or skeletal irregularities of one or both jaws including orthognathia and mandibular retrognathia.
  15. Expenses incurred in connection with weak, strained or flat feet, corns or calluses.
  16. Diagnosis and treatment of acne and sebaceous cyst.
  17. Outpatient treatment for specified therapies including, but not limited to Physitherapy and acupuncture.
  18. Deviated nasal septum, including submucous resection and/or surgical corretion, unless treatment is due to or arises from an Injury.
  19. Self inflicted Injuries while sane or insane; suicide, or any attempt thereat while sane or insane. This exclusion does not apply to the Medical Evacuation Benefit, to the Repatriation of Remains Benefit and to the Bedside Visit Benefit.
  20. Loss due to war, declared or undeclared; service in the armed forces of any country or international authority; riot; or civil commotion.
  21. Riding in any aircraft, except as a passenger on a regularly scheduled airline or charter flight.
  22. Elective termination of pregnancy.
  23. Loss arising from participation in professional sports, scuba diving, hang gliding, parachuting or bungee jumping.
  24. Medical Treatment Benefits provision for loss due to or arising from a motor vehicle Accident if the Covered Person operated the vehicle without a proper license in the jurisdiction where the Accident occurred.
  25. Expenses incurred as a result of pregnancy that is not covered.
  26. For Global Student USA Preferred Only: Under the Accidental Death and Dismeberment provision, for loss of life or dismemberment for or arising from an Accident in the Covered Person's Home Country.

Renewing Coverage


Coverage shall be continuous if an acceptable renewal form and premium are received by HTH Worldwide Insurance Services prior to the expiration of coverage. There is a 31-day grace period in which to pay the premium due. Premiums will be based upon the attained age of the covered participant at the time of renewal. Any Covered Person whose coverage under the Policy lapses after the grace period shall be subject to all Policy exclusions as of any subsequent effective date. Renewals may be subject to a minimum premium payment.

Cancellation and Premium Refunds


Ten-Day Money-Back Guarantee: YOUR SATISFACTION IS GUARANTEED. If you are not completely satisfied with our product, simply return your Certificate or Policy of Insurance within ten days of receipt and include a letter indicating your desire to cancel. If you have not already used the insurance benefits, you will receive a full refund.

All other cancellations will only be allowed if the following requirements are met:

  1. proof of ineligibility is provided; or
  2. cancellation occurs within the first 10 days from the effective date or most recent renewal date; or
  3. the Covered Member requests cancellation in writing. If cancellation is after 10 days, premium will be refunded in whole months only.

This brochure describes the benefits under the plan of insurance. This is not a contract of insurance. Coverage is governed by a policy of blanket accident and sickness insurance underwritten by UniCare Life & Health Insurance Company and issued to Global Citizen Association. Complete information on the insurance is contained in Policy No. U-1154-06 or U-1155-06, which will be provided to you as evidence of coverage under the policy. Any provision of this plan as described that may be in conflict with the laws of the state where the purchaser is located will be administered to conform to the requirements of that state's laws, including mandated state benefits. Therefore, Participants may be entitled to additional benefits.

Global Student USA Insurance



Global Student USA Insurance

Global Student USA Insurance

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