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.

Learn more about 2 optional add-on benefits available on this plan.

How Student Health Advantage - Standard Works

In Network

90%

After deductible, 90% of first $1000, 100% thereafter

Out of Network

80%

After deductible, 80% up to policy maximum

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Emergency Room

90% of first $1000, 100% thereafter

Hospitalization

90% of first $1000, 100% thereafter

Physician Visits

Included

Prescription

Included

Pre-Existing Condition

12month waiting period

Medical Evacuation

Up to $500000

Emergency Dental Coverage

Up to $500

Mental or Nervous Disorder

Included

Emergency Room

90% of first $1000, 100% thereafter

Pre-Existing Condition

12month waiting period

Hospitalization

90% of first $1000, 100% thereafter

Medical Evacuation

Up to $500000

Physician Visits

Included

Emergency Dental Coverage

Up to $500

Prescription

Included

Mental or Nervous Disorder

Included

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.

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
Plan can be purchased after arrival at the destination

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.

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Benefits

Eligibility

Purchase Restrictions

Plan FAQs

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
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Optional Adventure Sports Rider
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In Network:80% of first $45000, 100% thereafter.

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Out of Network:100% of URC.

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Benefits

Eligibility

Purchase Restrictions

Plan FAQs

After the deductible, plan pays 80% up to $45,000 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
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COVID-19 Coverage
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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.

Age	Lifetime Maximum
0-49	$50,000
50-59	$30,000
60-64	$15,000

Age	Lifetime Maximum
0-49	$50,000
50-59	$30,000
60-64	$15,000