Study USA Insurance

The Study USA plan is an affordable comprehensive plan for students around the world. International students in the US below age 66 on valid visas registered in US universities as full time students or scholars engaged in research are eligible to purchase the plan. The plan is also available to American students registered with a US school and engaged in educational activities abroad. Dependants of the student can apply for coverage along with the student.

The Study USA insurance plan offers renewable coverage as long as the student meets eligibility requirements. The Study USA insurance is specially designed for students studying outside their home country. The plan meets most university and government requirements making it an ideal choice for J1 visa holders and for students looking to waive out of the university health insurance plan.

The Study USA plan offers coverage for doctor visits, hospitalization, prescriptions, medical tests, medical evacuation and repatriations. Maternity coverage is offered by the plan as long as conception occurs after the purchase. Mental health coverage is also offered.

Why do you need Study USA Insurance?

Students and other young people are usually quite healthy so they try to save money by not purchasing student health insurance. This is the biggest mistake they can make. United States probably has the best helath care in the world and also the most costliest. Lack of any publicly funded health care means the person has to pay for any medical expense out of their own pocket. Just one hospitalization or ER visit can rack up a bill in thousands of dollars and ruin your credit. This can be easily avoided by purchasing a relatively inexpensive student insurance like the Study USA insurance for international students.

Eligibility for Study USA Insurance?

The Study USA Plan is available to both US as well as non US citizens who meet the following criteria -

• An American student, below the age of 66, who is registered in an American school, college or university and is pursuing academics in a foreign country
• A foreign student under the age of 66, holding a valid US study visa, and enrolled in an academic endeavor in a registered US school or college/university.
• The spouse and children, aged 18 and under, of the above mentioned students can also be enrolled in the plan along with the student, or within 31 days of birth, marriage, legal adoption or arrival in the country. The student must be covered under the plan if coverage is required for the dependants.

Period of coverage for Study USA Insurance

The Study USA plan coverage is renewable as long as the insured meets the eligibility requirements and renewal is done prior to plan expiration.

Effective Date of Study USA Insurance

The Study USA insurance plan expires if a renewal request accompanied by premium is not received within 30 days of the end of the current coverage period. Coverage also ends once the insured does not meet the eligibility requirements.

Expiration Date of Study USA Insurance

Study USA plan coverage begins on the date specified on the application and premium is received. Coverage cannot begin prior to purchase date. You can specify a future date for the coverage to begin.

Renewal of Study USA Insurance

The Study USA insurance plan can be renewed online with a $5 fee. Renewals can be done prior to expiration of the current plan and up to 30 days after the current coverage ends. The insured must maintain eligibility in order to renew the coverage.

Study USA Insurance - Schedule of Benefits

The Study USA insurance plan offers coverage per sickness or injury up to the policy maximum. The Study USA plan A offers coverage up to $250K and the Plan B offers 300K coverage. After the deductible is met the plan pays up to 80% of covered expenses up to the first $25,000 and then 100% up to the policy maximum. Covered expenses can include doctor visits, hospitalizations, tests, prescriptions, surgery.

Study USA covered services Injury and Sickness Benefit Maximums

* This benefit is $5,000 for U.S. students studying abroad.

*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 Preferred Provider Network member.
**The prescription copay is in addition to the deductible above.

Emergency Medical Evacuation Expenses

If a covered sickness or injury requires medical evacuation to the nearest qualified medical facility or to the country of residence, the Study USA plan covers these expenses up to $500,000 All arrangements must be coordinated with the assistance service upon recommendation by a certified physician.

Repatriation of Mortal Remains Expenses

In the event of the death of the insured due to a covered sickness or injury the expenses incurred to prepare and send the remains to the home country are covered up to a maximum of $100,000 by the Study USA insurance plan. All arrangements must be made through the assistance services.

Common Carrier Accidental Death and Dismemberment (AD&D)

The Study USA plan offers $5000 in case the insured suffers death due to an accident.

Study USA Insurance - Exclusions

This plan does not cover loss caused by or resulting from, nor is any premium charged for, the following expenses:

1.  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.
2.  Expenses in excess of Usual, Reasonable and Customary Charges.
3.  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.
4. Eyeglasses, contact lenses, hearing aids, or prescriptions, examinations thereof, radical keratotomy or laser eye surgery to correct vision impairment.
5. Injury due to participation in a riot.
6. 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.
7.  Injury sustained or Illness contracted while in the service of the Armed Forces of any country.
8.  Treatment of mental or nervous disorders, except as specifically provided.
9. Elective treatment or elective surgery, except as specifically provided.
10.  Treatment provided in a government hospital unless there is a legal obligation to pay such charges in the absence of insurance.
11.  Expenses incurred after the date of insurance termination for a Covered Person.
12.  Congenital conditions, except as specifically provided for newborn infants.
13.  Expenses incurred for services or supplies which are experimental or investigative in nature, including the treatment, procedure, facility, equipment, drug usage, device or supplies.
14.  Professional services rendered by a member of the Covered Person’s family or anyone who lives with the Covered Person.
15.  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.
16.  Routine physicals other than hospital nursery expense of a newborn baby.
17.  Dental care, except as the result of injury to natural teeth caused by accident; any treatment identified as Temporomandibular Joint Dysfunction (TMJ).
18.  Expenses incurred in connection with weak, strained or flat feet, corns, calluses, bunions, or toenails.
19.  Expenses incurred for plastic or cosmetic surgery unless they result directly from an injury that necessitated medical treatment within 24 hours of the accident.
20.  Expenses incurred as a result of diagnostic or surgical procedures in connection with infertility unless caused by an Injury or Illness.
21.  Expenses incurred in connection with birth control, sterilization, or sterilization reversal, including surgical procedures and devices.
22.  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.
23.  War or any act of war, whether declared or undeclared.
24.  Committing or attempting to commit an assault or felony, fighting or brawling, except in self-defense.
25.  Suicide or intentionally self-inflicted injury while sane or insane.
26.  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.
27.  Expenses incurred while the Covered Person is intoxicated or under the influence of any drug unless taken under the advice of a licensed Physician.
28.  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).
29.  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.
30.  Pregnancy or childbirth for a dependent child of an Insured Student.
31.  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 - Monthly rates

Please check the brochure for the most accurate rates.

Refund of Premium You Will Receive

If you wish to cancel the Study USA plan, a written request must be received prior to start of the coverage. After the start of the plan, refunds can be issued only if a written letter is received from the university stating that the plan does not meet their requirements.

What You Will Receive

After you purchase the Study USA plan, you will receive a confirmation email with the ID card. These can be available instantly via email or via regular mail. If you require the waiver form to be filled, you can fax that in after your purchase. It will be completed and faxed back to your university.

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