Student Health Advantage - Standard

Comprehensive Coverage, A.M. Best Rating: A
SiriusPoint Speciality 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 Student Health Advantage - Standard Works

90%

In Network

90% of first $1000, 100% thereafter

80%

Out of Network

80% up to policy maximum

Key Travel Medical Insurance Benefits

COVID-19 Included

Extendable & Cancelable

PPO

Urgent Care

Medical Coverage During Travel

Comprehensive Coverage Plan

Coverage from 30 days to 365 days

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

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

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 is not covered under the policy.

Quarantine Benefit

No Coverage

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

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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)

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Benefits

COVID-19 Coverage
After the deductible, plan pays 90% of eligible medical expenses up to $1,000, then 100% thereafter within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to the policy maximum
Long-term medical coverage up to 5 years
Coverage for $500,000 per incident for individuals and groups, $100,000 for their dependents
Repatriation for Medical Treatment
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)

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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)

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Study USA Standard Plan

Comprehensive Coverage, A.M. Best Rating: A
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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 14 days 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 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: Canada or Australia

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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.