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Student Health Advantage - Standard

Comprehensive Coverage,Rated A- (Excellent)
Sirius Specialty Insurance Corporation

Student Health Advantage - Standard is a Travel Medical insurance plan that provides health coverage for international students. The plan is designed to provide basic medical coverage, emergency services, evacuation and repatriation, and more for International Students, Scholars and their Families while abroad.


Student Health Advantage - Standard can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Please review Student Health Advantage - Standard policy documents for complete coverage and exclusions.

How It Works

100%

In Network

100% up to policy maximum

80%

Out of Network

80% of first $1000, 100% thereafter

Key Benefits

COVID-19 Included
COVID-19 Included
Extendable & Cancelable
Extendable & Cancelable
PPO
PPO
Urgent Care
Urgent Care
Medical Coverage During Travel
Medical Coverage During Travel
Comprehensive Coverage Plan
Comprehensive Coverage Plan
Coverage from 30 days to 365 days
Coverage from 30 days to 365 days

How COVID-19 is Covered Under Student Health Advantage - Standard

COVID-19 Medical Expenses
COVID-19 Medical Expenses

Medical treatment and services related to COVID-19 can be covered in the event that the virus was contracted after the policy effective date.

COVID-19 Testing
COVID-19 Testing

Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date.

COVID-19 Vaccination/Booster
COVID-19 Vaccination/Booster

COVID-19 vaccination/booster is not covered under the policy.

Quarantine Benefit
Quarantine Benefit

No Coverage

Emergency Medical Evacuation
Emergency Medical Evacuation

Emergency Medical Evacuation for COVID-19 treatment can be covered if the virus is contracted after the policy effective date.

Eligibility

  • For J1, M1, F1 or A1 visa holders
  • For ages 31 days to 64 years
  • Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
  • Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
  • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
  • Meets student visa requirements
  • Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
  • Extendable for up to 365 days

Similar Plans

Collegiate Care Essential

Comprehensive Coverage, Rated A (Excellent)
Underwriter: C&F Crum & Forster

Benefits
  • COVID-19 Coverage
  • After the deductible, within the United Healthcare PPO network plan pays 100% of the Preferred Allowance; outside the PPO network, plan pays 75% of URC
  • $150,000 coverage per Injury or Illness
  • Emergency Room Services
  • Maternity & Pre-Natal Care Expense
  • Sports Activities
  • Pre-Existing Conditions
Eligibility
  • For F1/J1 visa holders
  • For ages 16 years to 40 years
  • Must purchase for a minimum of 91 days for coverage
  • You are "actively engaged" in education, teaching, or research activities if you are one of the following:
    -Undergraduate - registered for and attending classes on a full-time basis
    -Graduate Student
    -Scholar or researcher who is invited by an educational organization
    -Students involved in education, educational activities, or research-related activities
  • Extendable for up to 364 days
  • Not Eligible for OPT
Purchase Restrictions
  • Not available if Home Country/Country of Residences are: Antarctica (ATA), Nigeria (NGA) & United States (USA)
  • Not available for Citizens of: United States (USA)
Plan FAQs
Student Health Advantage - Platinum

Comprehensive Coverage, Rated A- (Excellent)
Underwriter: Sirius Specialty Insurance Corporation

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 80% for first $5,000, and 100% thereafter
  • Long-term medical coverage up to 5 years
  • Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
  • Maternity coverage
  • Pre-existing Conditions
  • $25 Deductible per Injury or Illness (Outside U.S. and in U.S. PPO Network)
  • Optional Adventure Sports Rider
Eligibility
  • For J1, M1, F1 or A1 visa holders
  • For ages 31 days old to 64 years
  • Be a participant: a student, scholar, intern, teacher, or trainee enrolled in an educational or cultural exchange program for the purposes of teaching, study, research, or receiving on the job training for a temporary period of time
  • Be the spouse of a participant or children of a participant and residing outside his/her primary country of residence for a temporary period of time. Primary applicant must hold a J1, M1, F1 or A1 visa, and spouse must apply with primary applicant - they cannot apply alone
  • Be physically and legally residing in the destination country with the intent to reside there for at least 30 days on the effective date and at renewal
  • Not be hospitalized, disabled, pregnant, or HIV+ on the initial effective date
  • Meets student visa requirements
  • Premiums for this plan are charged per 30 days of coverage and do not work on a prorated basis. Please note that coverage is valid only for the specific travel dates selected
  • Extendable for up to 365 days
Purchase Restrictions
  • Not Available for the following Destination Countries: Belarus (BLR), Russia (RUS) & Ukraine (UKR)
  • Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR) & Venezuela (VEN)
  • Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
    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 for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Plan FAQs
Student Secure - Budget

Comprehensive Coverage, Rated A (Excellent)
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 1 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)
  • Not available for Citizens of: Cuba (CUB) & Syria (SYR)
  • 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)
Plan FAQs
Study USA Standard Plan

Comprehensive Coverage, Rated A (Excellent)
Underwriter: Lloyd's of London

Benefits
  • COVID-19 Coverage
  • After the deductible, plan pays 80% up to the policy maximum within the United Healthcare PPO network; outside the PPO network, plan pays the URC for eligible medical expenses
  • $200,000 per policy period, $100,000 per incident
  • Deductible - Inside PPO: $100, Outside PPO: $250 (Emergency Room deductible - $350)
  • Up to $500 in pre-existing conditions coverage after 12 month waiting period
  • Emergency Room Services
  • Wellness Benefit Coverage
  • Maternity Care for a Covered Pregnancy
Eligibility
  • For U.S. and Non-U.S. Citizens
  • Full-time students at secondary schools, colleges or universities (excluding those online), those who will be full-time students at a college or university within 31 days
  • Full-time scholars affiliated with an educational institution and performing work or research for at least 30 hours per week
  • For ages 1 to 64 years
  • Meets J-Visa requirements
  • Students residing outside their home country for the purpose of pursuing international educational activities
  • Those who have not obtained residency status in the host country
  • The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 or J-1 visa. Full-time status requirements remain in force for individuals holding M-1, or other category visas
  • Extendable for up to 364 days
Purchase Restrictions
  • Not Available for the following Destination Countries: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
  • Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
  • Not available for Citizens of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
  • Not available to individuals who are physically located in the country of: Cuba (CUB), Iran (IRN), North Korea (PRK) & Syria (SYR)
Plan FAQs

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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.