Health Insurance for OPT Students
OPT Insurance is for students in the U.S. working a practical training job known as OPT (Optional Practical training).
Showing 4 of 4 plans
Student Secure - Budget
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% up to $25,000 and then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Pre-Existing Condition: 12-month waiting period
- Outpatient Treatments
- Maternity Care for Covered Pregnancies
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 14 days to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
- Extendable for up to 364 days
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Ukraine (UKR)
- Not available for Citizens of: Cuba (CUB), Syria (SYR) & Ukraine (UKR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS), Canada (CAN) & Ukraine (UKR)
Plan FAQs
Student Secure - Smart
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Outpatient Treatments
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 14 days to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
- Extendable for up to 364 days
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Ukraine (UKR)
- Not available for Citizens of: Cuba (CUB), Syria (SYR) & Ukraine (UKR)
- Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS), Canada (CAN) & Ukraine (UKR)
Plan FAQs
Student Secure - Elite
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Pre-Existing Condition: 6-month waiting period
- Outpatient Treatments
- Maternity Care for Covered Pregnancies
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
- Optional Accidental Death & Dismemberment Rider
- Optional Crisis Response Rider
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 14 days to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
- Extendable for up to 364 days
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Ukraine (UKR)
- Not available for Citizens of: Cuba (CUB), Iran (IRN) & Ukraine (UKR)
- Not available to individuals who are physically located in the states of: Washington (WA), New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS), Canada (CAN) & Ukraine (UKR)
Plan FAQs
Student Secure - Select
Comprehensive Coverage, A.M. Best Rating: A
Underwriter: Lloyd's of London
Benefits
- COVID-19 Coverage
- After the deductible, plan pays 80% of the first $5,000 then 100% of eligible medical expenses within the United Healthcare PPO network; outside the PPO network, plan pays URC of eligible medical expense up policy maximum
- Acute Onset of Pre-Existing Condition Coverage
- Pre-Existing Condition: 6-month waiting period
- Outpatient Treatments
- Maternity Care for Covered Pregnancies
- Mental Health Disorders
- Sports & Activities
- Emergency Medical Evacuation
- Coverage up to 364 days (Renewal for up to 4 years of continuous coverage)
- Optional Intercollegiate, Interscholastic, Intramural, or Club Sports Rider
- Optional Accidental Death & Dismemberment Rider
- Optional Crisis Response Rider
Eligibility
- Available For: M, F, J, and OPT visa holders
- For ages 14 days to 64 years
- Must be residing outside home country for the purpose of pursuing international educational activities
- Must be a full-time student
- The Full-time Student / Scholar status requirement is waived for valid F1 (including those students on OPT) or J1 visa holders in the U.S.
- Monthly Coverage Durations
- Not applicable for dependents
- Extendable for up to 364 days
Purchase Restrictions
- Not Available for the following Destination Countries: Iran (IRN), North Korea (PRK), Russia (RUS) & Ukraine (UKR)
- Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Ukraine (UKR)
- Not available for Citizens of: Cuba (CUB), Syria (SYR) & Ukraine (UKR)
- Not available to individuals who are physically located in the states of: Washington (WA), New York (NY) & Maryland (MD)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states. - Not available to individuals who are physically located in the country of Australia (AUS), Canada (CAN) & Ukraine (UKR)
Plan FAQs
Disclaimer
Plan features listed here are 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 Benefits, 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.
