Study USA Insurance is an international student medical insurance for foreign students studying in the United States and U.S. Students studying abroad outside the United States of America (USA).
Study USA-HealthCare Insurance is ideal for Study USA Insurance plan policy is for international students studying outside their home country (F1 visa in USA). Study USA medical insurance meets or exceeds the requirements set by the American Department of State, Immigration & Naturalization Services and NAFSA. Study USA Insurance is widely accepted by U.S. universities.
$250,000 per incident / B: $300,000 per incident (Primary insured, dependent - same limit)
Non U.S. or USA Citizens: In the network or outside the US, $50 per incident, out of net work $150 per incident.
Deductible Notes: *The deductible will be waived if medical service is first received from the Student Health Center. Otherwise, the Covered Person must pay the deductible. The Deductible shall not exceed $250 per Covered Person per Program year. If there is no Student Health Center, the deductible will be waived only if medical services are received from a First Health Preferred Provider Network member.
Both Plan A and Plan B Up to $25,000, 80% in network, 70% out of network.
Plan A : $25,000,01 - $250,000 100% in network, 70% out of network.
Plan B : $25,000.01 - $300,000 100% in network or outside USA, 70% out of network.
- Medical Expense - Pre-existing condition : 6 months waiting period
- Unexpected Recurrence of a Pre-Existing Condition
- Hospital Room and Board
- Hospital intensive care unit charges
- Physician visits, surgeon, Private duty nurse fee
- Injuries from a Motor Vehicle Accident
- Mental or Nervous Disorders
- Alcohol and Substance Abuse Benefits
- Pre-admission tests
- Diagnostics: X-Rays
- Hospital emergency room
- Prescription Drugs
Each enrollment from 1 month to 12 months. Unlimited renewal upon eligibility within 30 day grace period.
Study USA Insurance is underwritten by The Insurance Company of the State of Pennsylvania, a member of the AIG group of companies.
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:
The Master Policy Effective Date;
The Date indicated on the Enrollment Form; or,
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:
The last day for which premium was paid;
the date you cease to be eligible for this insurance; or,
The date the Master Policy terminates.
Study USA HealthCare offers a broad range of benefits including:
Full medical coverage with a per incident maximum up to $250,000.
Pre-notification assistance to locate PPO facilities;
Emergency Medical Evacuation coverage of $30,000 per person per policy period;
Mental or Nervous Disorders/alcohol & Substance Abuse coverage up to $5,000;
Repatriation of Remains;
Emergency Medical Reunion;
Accidental Death and Dismemberment with options up to $10,000;
Emergency travelers assistance
Study USA Insurance - Exclusions
Pre-Existing Conditions. A Pre-Existing Condition is defined as any injury or illness or condition which was contracted or which first manifested itself, or for which a licensed physician was consulted, or for which treatment or medication was prescribed, within 6 months prior to the effective date of the Covered Person's coverage under this Program. Pre-Existing Conditions shall be excluded from coverage for a period of 6 months following
the effective date of coverage under this program, unless stipulated by State or Federal Regulation. A Covered Person must be continuously insured. Conception of pregnancy must occur after the effective date of the Covered Person's coverage.
Expenses in excess of Usual, Reasonable and Customary Charges.
Services normally provided without charge by the College's health service, infirmary, or Hospital, or by health care providers employed by the College; or for any expenses for services rendered elsewhere which are available at the Student Health Service, infirmary, or hospital except in cases of Medical Emergency.
Eyeglasses, contact lenses, hearing aids, or prescriptions, examinations thereof, radical keratotomy or laser eye surgery to correct vision impairment.
Injury due to participation in a riot.
Accident occurring in consequence of riding as a passenger or otherwise in any vehicle or devise for aerial navigation, except as a fare paying passenger in an aircraft, operated by a scheduled airline maintaining regular published schedules on a regularly established route.
Injury sustained or Illness contracted while in the service of the Armed Forces of any country.
Treatment of mental or nervous disorders, except as specifically provided.
Elective treatment or elective surgery, except as specifically provided.
Treatment provided in a government hospital unless there is a legal obligation to pay such charges in the absence of insurance.
Expenses incurred after the date of insurance termination for a Covered Person.
Congenital conditions, except as specifically provided for newborn infants.
Expenses incurred for services or supplies which are experimental or investigative in nature, including the treatment, procedure, facility, equipment, drug usage, device or supplies.
Professional services rendered by a member of the Covered Person's family or anyone who lives with the Covered Person.
Expenses incurred for services and supplies not (a) medically necessary for the diagnosis or treatment of any Injury or Illness and (b) recommended by the attending Physician.
Routine physicals other than hospital nursery expense of a newborn baby.
Dental care, except as the result of injury to natural teeth caused by accident; any treatment identified as Temporomandibular Joint Dysfunction (TMJ).
Expenses incurred in connection with weak, strained or flat feet, corns, calluses, bunions, or toenails.
Expenses incurred for plastic or cosmetic surgery unless they result directly from an injury that necessitated medical treatment within 24 hours of the accident.
Expenses incurred as a result of diagnostic or surgical procedures in connection with infertility unless caused by an Injury or Illness.
Expenses incurred in connection with birth control, sterilization, or sterilization reversal, including surgical procedures and devices.
Expenses covered under any occupational benefit policy, Workers' Compensation Act or similar law, automobile medical payments or no-fault plans, public assistance programs, government plan or any other valid and collectible insurance.
War or any act of war, whether declared or undeclared.
Committing or attempting to commit an assault or felony, fighting or brawling, except in self-defense.
Suicide or intentionally self-inflicted injury while sane or insane.
Claims arising out of participation in interscholastic, intercollegiate or professional sporting events; racing; speed contests; skin diving; sky-diving; mountaineering (where ropes or guides are customarily used); para-sailing; hang gliding; bungee jumping; bob-sledding; travel on a snow mobile or ATV; any two or three wheeled motor vehicle; or private air travel including ballooning and ultra-light aircraft.
Expenses incurred while the Covered Person is intoxicated or under the influence of any drug unless taken under the advice of a licensed Physician.
Expenses resulting from a motor vehicle accident if the Covered Person is not properly licensed to operate the motor vehicle within the jurisdiction in which the accident takes place (this exclusion will not apply to passengers if they are insured under this Program).
Expenses for circumcision, tubal ligation, vasectomy, breast reduction, breast implants, sexual reassignment surgery, orthognathic surgery, including mandibular retrognathia, learning disabilities, smoking cessation, hair removal, replacement or hair growth, or organ transplants.
Pregnancy or childbirth for a dependent child of an Insured Student.
Expenses greater than $1,000 for Injuries or Illnesses incurred in the Insured Person's Country of Permanent Residence and after 30 days from the date the Insured entered the Country of Permanent Residence.
Study USA Insurance - Plan Remarks
Study USA Insurance covers international students who come to the U.S. for study and U.S. students studying in a foreign country.
Study USA Insurance or Study USA-HealthCare Insurance is ideal for Study USA Insurance policy is for international students studying outside their home country (F1 visa in USA).
Study USA Insurance coverage can start as early as next day. You do not need medical records or a physical exam to sign up.
Study USA Insurance is accepted by most US universities and is accepted by the International Student Organization or Office by most U.S. universites or colleges.
Hospital Expense Coverage Limit: Up to policy maximum
Intensive Care Expense Coverage Limit: Up to plan Maximum
Outpatient Doctor Office Coverage Limit: Up to plan Maximum
Pre-existing condition coverage Limit: Not covered. A Pre-Existing Condition is defined by the policy as, "any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance."
Study USA Insurance - Plan Information
Study USA Insurance Administrator
Study USA Insurance is administered by Travel Insurance Services.
Study USA Insurance Underwriter
Study USA Insurance is underwritten by The Insurance Company of the State of Pennsylvania, Philadelphia, member of American International Group (AIG) of companies.
Study USA Insurance Rating
Study USA Insurance is rated A++ "Excellent" by the A.M. Best Company.
Study USA Insurance Features
Study USA Insurance - Medical insurance for students studying outside their home country is available for as little as $39 per month.
Study USA Insurance - Medical insurance which meets or exceeds the requirements set by the Department of State, Immigration & Naturalization Services and NAFSA.
Study USA Insurance is widely accepted by U.S. universities.
Study USA Insurance Guide gives you some background information on how medical insurance works. Study USA Insurance Guide section also provides information on the different factors you should consider while purchasing insurance.
Study USA Insurance is an international student medical insurance for foreign students studying in the United States and U.S. Students studying abroad outside the United States of America (USA). Study USA-HealthCare Insurance is ideal for international students studying outside their home country (F1 visa or J1 visa in USA). Study USA medical insurance meets or ... Posted: Sat, 18 Aug 2012 21:16:34 +0000 | Tags: Student Health Insurance, study usa healthcare, study usa insurance, study usa plan
International students studying in USA or in any foreign country typically need medical insurance international students to cover their health during their duration of study in USA or outside their home country. When you are planning your study in USA or in another nation, you would no doubt have to make a decision on where ... Posted: Wed, 29 Feb 2012 20:26:04 +0000 | Tags: International Student Insurance, Student Health Insurance, foreign students health insurance, international student health insurance, medical insurance international students, student health insurance, student medical insurance