SP-300

Study USA Preferred 300

Underwriter: HCCMIS
Policy info
Plan Administrator: TIS
Carrier: HCCMIS
AM Best Rating: A(Excellent)

Study USA insurance is for students studying outside of their home country and their eligible dependents who want medical coverage.

Please review Study USA Preferred Insurance Brochure brochure or policy document for complete and accurate coverage information.

All coverage is based on usual, reasonable, and customary expenses. See plan brochure and description of coverage for detailed coverage.

Study USA Preferred Plan

Here is a complete list of benefits of Study USA Preferred 300
Dr. / Physician Visit
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Urgent Care
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Surgical Treatment
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Prescription Drugs / Medicines
Covered as per the policy
(Co-payments: $10 for generic and $20 for brand names)
Lab & X-rays
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Physical Therapy
Maximum $50/visit/day
Hospital Room
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Surgical Treatment
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Hospital Intensive Care Unit
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Ambulance Expenses
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Emergency Room(ER)
Within the PPO, the insurance company will pay 80% of the next $25,000 after the deductible, then 100% up to the policy maximum. Outside the PPO, the insurance company will pay 70% of the next $25,000 after the deductible, then 100% up to the policy maximum.
Acute, spontaneous and unexpected pain
$100 maximum
Accidental emergency
$1,000 maximum
Emergency Medical Evacuation / Repatriation
$500,000 lifetime maximum
Return of Remains
$25,000 lifetime maximum
Emergency Reunion
$2,500, subject to a maximum of 15 days
Return of minor Child(ren)
Not Covered
Trip Interruption
Not Covered
Loss of checked Baggage
Not Covered
AD&D
$25,000 Lifetime Maximum
DeathPrincipal Sum
Loss of 2 LimbsPrincipal Sum
Loss of 1 LimbOne Half of Principal Sum
Common Carrier Accidental Death
Not Covered
Pre-Existing Conditions
Coverage after a 12 month waiting period
Maternity
If conception happens after policy effective date, after the deductible, insurance company will pay 80% up to the policy maximum, in-network. Out of network, the insurance company will pay 70% up to the policy maximum.
General Physical full Checkup
100% coverage of one routine physical exam per member
Terrorism Coverage
$50,000 lifetime maximum, eligible medical expenses only
24-Hrs Emergency Assistance
Yes Contact number and details can be found on the ID card.
Disclaimer
The comparison of insurance plans shown below is generic and high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benifits, Limitations, and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.