SU-SP

Study USA Basic Plan

Limited Coverage
AM Best Rating
A (Excellent)
Carrier/Underwriter
TIS
Administrator
HCCMIS
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Basic Coverage Plan
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Coverage from 5 days to 12 days
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Urgent Care
BUY

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

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

Out-Patient

Dr. / Physician Visit

Within the PPO network, after deductible is met, the plan pays 80% up to the policy maximum. The insured person would be responsible for 20% of the bill throughout the policy period. Outside the PPO Network, insurance will pay up to URC. Outside US, plan pays 100% after deductible up to policy max.

Urgent Care

After deductible is met, 80% of the bill is covered up to the policy maximum. The insured person is responsible for 20% of the bill, up to the policy maximum

Surgical Treatment

After deductible is met, 80% of the bill is covered up to the policy maximum. The insured person is responsible for 20% of the bill, up to the policy maximum

Prescription Drugs / Medicines

Covered only for out-patient prescription
50% of actual prescription cost covered.

Lab & X-rays

After deductible is met, 80% of the bill is covered up to the policy maximum. The insured person is responsible for 20% of the bill, up to the policy maximum

Physical Therapy

Up to $25 per visit per day. Must be ordered in advance by a physician and not obtained at a student health center.

In-Patient

Hospital Room

Plan will pay average semi-private room rate, including nursing services.

Hospital Intensive Care Unit

Up to the overall maximum limit

Drug/Alcohol Abuse

Not Covered

Emergency Services

Ambulance Expenses

$300 /injury or illness when covered injury or illness results in inpatient hospitalization

Emergency Room(ER)

For claims incurred in the US, plan pays up to $500 for treatment received in an emergency room, unless admitted as inpatient.

Dental

Acute, spontaneous and unexpected pain

Not Covered

Accidental emergency

Not Covered

Travel

Emergency Medical Evacuation / Repatriation

Up to $50,000 lifetime maximum

Return of Remains

Up to $25,000 lifetime maximum

Emergency Reunion

Up to $1,500 subject to a maximum of 15 days

Life

AD&D

$10,000 Lifetime Maximum
Death$10,000
Loss of 2 Limbs$10,000
Loss of 1 Limb$5,000

Other

Mental Illness

Outpatient: $50 maximum per day, $500 maximum.
Inpatient: Up to $5,000.
Treatment must not be provided at a student health center.

Pre-Existing Conditions

Acute onset of a pre-existing condition covered up to $25,000

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

$50,000 maximum Lifetime Limit (eligible medical expenses only)

Brochure

Support

24-Hrs Emergency Assistance

Yes Contact number and details can be found on the ID card.

Plan Administrator Company

TIS

Carrier / Underwriter

HCCMIS

Eligibility

Primary applicants must be under age 65; and a full time student at a college or university (excluding online colleges and universities), or within 31 days of being a full-time student at a college or university (excluding online colleges and universities), or a student under age 19 enrolled in a secondary school, or a full-time scholar affiliated with an educational institution and performing work or research for at least 30 hours per week, and you must be residing outside your home country for the purpose of pursuing international educational acitivities, and you must not have obtained residency status in your host country, and if in the U.S., you must hold a valid education-related visa. A copy of the I-20 or DS2019 may be requested. J-1 and F-1 visa holders: The full-time student/scholar status requirement is waived within the U.S. if you have a valid F-1 visa (including OPT) or a J-1 visa. Full-time status requirements remain in force for individuals for individuals holding M-1, or other category visas.

Deductible Content

Deductible Per Incident
What is Deductible?

Deductible is the amount that you are responsible for, before insurance company starts paying for any covered expenses. Deductible for this type of plan is applicable once per incident.


For example: If you visit a doctor for a medical problem, and after consultation, the doctor prescribes Medicines, X-rays, and Lab tests, then since all these services are part of one incident, your deductible will be applicable for these services only once. If you visit a doctor again after a few days for a new problem, the deductible will be applicable again for that new incident.
What deductible to choose with this Plan?

Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.

Note : For Age 70 and above, lower deductible like Zero “0“ is not available.

Plan Type

Comprehensive Coverage Plan

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

Co-pays for prescription drugs and ER visits.

Trip Interruption

Not Covered

Co-Insurance

Within the PPO network, after deductible is met, the plan pays 80% up to the policy maximum. The insured person would be responsible for 20% of the bill throughout the policy period. Outside the PPO Network, insurance will pay up to URC. Outside US, plan pays 100% after deductible up to policy max.

How the Benefits are Paid

After the deductible, the insurance company will pay 80% up to the policy maximum

Plan Effective Date

Effective Date of Insurance:

1. 1. The moment underwiters receive the application and correct premium(if payment and application is made online or by fax)or
2. 12.01 am US Eastern Time on the date undewriters receive the application and payment (if payment and application is made by mail)or
3. 12.01 am US Eastern Time on the date the participants meet the eligibility requirement

Plan End Date

Termination of Insurance: Your insurance will terminate at the earliest of:

1. 11.59 pm US Eastern Time on the last date of the period for which premium has been paid
2. 11.59 pm US Eastern Time on the last date requested on the application
3. 12.01 am US Eastern Time on the date the participant no longer meets the eligibility requirement
4. The moment the participant returns to the home country(except as allowed by home country coverage provisions of this coverage)

Deductible Type

Per Incident

Renewability

Renewable at the underwriters discretion

Cancellation

Full refund available if canceled before start date. Monthly (if paying monthly in installments) or daily (if paid in full) pro-rated refund if canceled after start date and no claims have been filed ($25 cancellation fee applies). No refund available after 60 days of coverage. For monthly payments, after effective date, all subsequent payments would be stopped after receiving the cancellation request.

PPO Network

PPO Network

Available Deductibles

$100 per injury/illness within the PPO network or student health center, otherwise $150 per injury/illness. If treatment received outside U.S., $100 per illness/injury.

Available Coverage

Overall Maximum Limit - $200,000, Maximum per injury/illness - $100,000

Provider Directory

By Provider, Phone Nos.: 800-937-1387 or number on ID card

Plan Brochure

Study USA Insurance Brochure brochure

Study USA Standard Healthcare Plan FAQs

Q : Who is eligible to buy Study USA-HealthCare Insurance?

Full-Time Students or Scholars (under age 66) who are studying outside their home country are eligible to buy Study USA-HealthCare:

  • Participants
    1. Must be a Full-time Student at a college or university, excluding online colleges and universities, or within 31 days of being a Full-time Student at a college or university; or must be a Full-time Scholar affiliated with an educational institution and performing work or research for at least 30 hours per week. The Full-time Student/Scholar status requirement is waived for Participants within the US holding a valid F-1 visa. Full-time status requirements remain in force for individuals holding M-1, J-1, or other category visas; and
    2. Must be residing outside his or her Home Country for the purpose of pursuing international educational activities; and
    3. Must not have obtained residency status in the Host Country.
  • Dependents
    1. Must be the Participant's legally married spouse, or must be the Participant's unmarried child under age 19 years and chiefly dependent on the Participant for support and maintenance; and
    2. Must accompany the Participant abroad on a similar visa or passport while the Participant engages in international educational activities; and
    3. Must be temporarily located outside the Participant's Home Country; and
    4. Must not have obtained residency status in the Host Country.
  • Newborn or adopted children will be automatically covered as Dependents for the first 31 days of life provided that the delivery is covered by this insurance or placement occurs while the Participant's coverage is in effect. If the delivery of the Newborn is not covered under this insurance, the Newborn is eligible for coverage beginning at 14 days of age.
  • Newborn and adopted children must be enrolled within the first 31 days after birth for newborns or within 31 days of placement for adoptions. Enrollment requires written notification of the new Dependent's name, birth date, gender, and citizenship as well as payment of any additional premium due.
  • If a newborn or adopted child is not enrolled by the 31st day following birth (for newborns) or placement (for adopted children), then coverage terminates on the 31st day.

Q : How will my proof of insurance be sent to me?

If you buy or renew your coverage online, your receipt, Confirmation, Description of Coverage, and ID card will be instantly emailed to you.

Q : I need coverage to begin as soon as possible. Is it possible for my Study USA-HealthCare policy to go into effect the day I enroll?

No, however, your policy can go into effect as soon as one day after you enroll online.

Q : Are a student's dependents eligible for coverage?

Yes. Spouse and/or unmarried children (under age 19) of enrolled students can be enrolled for insurance with the student's initial enrollment, or within 31 days of birth, legal adoption, marriage or arrival in country of study. Dependents must be temporarily be located outside their home country, and must not have obtained residency status in the host country. If your dependents are not eligible for Study USA-HealthCare, they can enroll in one of our other Student Insurance Plans for people outside their home country.

Q : My school requires an Insurance Compliance Form or a Waiver Form be completed as proof of my insurance. Can you complete this form for me? What should I do?

First, purchase Study USA Insurance. After your purchase, simply fill in your portion of your school's Compliance or Waiver Form, sign it, and fax it to us at (610) 537-9851 or email it to susaforms@travelinsure.com. We will complete it and fax it back to your school for you within one business day.

Q : Can I buy Study USA-HealthCare if I am already studying outside my home country?

Yes. You can enroll in Study USA-HealthCare regardless of how long you have been studying outside your home country, as long as you fulfill the eligibility requirements in Question 1 above.

Q : Can I renew my coverage?

Renewal is up to insurance companies discretion.

Q : How do I renew my coverage?

Contact TravelInsure directly at: 800-937-1387

Q: Can I go to any doctor or hospital, or must I use my school's Student Health Center or a preferred provider from Study USA-HealthCare's network?

For International Students Studying in the U.S.:

  1. If you choose to be seen at your Student Health Center first, you will receive the in-network benefit.
  2. For other incidents, if you use a doctor or hospital in Study USA-HealthCare's large preferred provider network, you will pay a lower deductible and co-insurance than if you go outside the network. Click here to search for a network provider.
  3. You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital.

For U.S. Registered Students Studying Outside the U.S.: Outside the U.S., Study USA-HealthCare does not have a Preferred Provider Network.

  1. You can choose to be seen at the Student Health Center or at another doctor or hospital and receive the in-network benefit.
  2. If you go to the Student Health Center first, your deductible for such incidents will be waived.
  3. You can also use any doctor or hospital. The Emergency Assistance Company can help you locate a doctor or hospital in the country where you are studying.

Q : Are Newborn or Adopted Children Included in Study USA-HealthCare?

Newborn or Adopted Children will automatically be covered for the first 31 days. Afterwards, they must be enrolled in Study USA-HealthCare in order to be covered. Contact us for more information.
Note: If the birth was not covered by a Study USA-HealthCare policy, then Newborn children will not be automatically covered. However, they will become eligible after 14 days of life.

Q : Does Study USA-HealthCare cover Pre-Existing Conditions?

Pre-Existing Conditions are defined by the policy as "Any (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 12 months immediately preceding the Certificate Effective Date for 12 months; (2) condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 12 months immediately preceding the Certificate Effective Date; (3) injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 12 months immediately preceding the Certificate Effective Date." For Study USA, there is no coverage for a pre-existing condition. For Study USA Preferred 300, the waiting period is 12 months. For Study USA Preferred 500, the waiting period is 6 months. See Study USA-HealthCare's complete list of policy exclusions in the plan details section.

Q : Does Study USA-HealthCare cover pregnancy?

Yes, it covers the pregnancy of an insured student or enrolled spouse if the conception of pregnancy occurs after the effective date of coverage. It does not cover the pregnancy of a dependent child.

Q : Will my Study USA-HealthCare policy cover me if I travel outside the U.S.?

Yes. Study USA-HealthCare covers the insured's worldwide, except in their home country. For each 3 months of coverage with Study USA-HealthCare, the insured is eligible for no more than 15 days of home country coverage.

Q : How will I receive care at In-Network level if there are no Network providers in my area?

There should be a provider within a 50 mile radius of your location. If you are not sure, you may verify with HCC on how benefits will be treated. If a non-Preferred Provider is used, benefits will be paid at outside-network lever. To verify, contact HCC inside the U.S. at 1-(800) 605-2282, or from outside the U.S. at 1-(317) 262-2132.

Q : Is a network provider located in my area?

Most likely. For a complete listing of Preferred Provider participants please contact HCC inside the U.S. at 1-(800) 605-2282, or from outside the U.S. at 1-(317) 262-2132. Or, click here to search for a network provider.

Q : Are there Pre-Certification Requirements for hospitalization or other services?

The following expenses must always be pre-certified:

  • Inpatient care
  • Any Surgery or Surgical Procedure
  • Care in an Extended Care Facility
  • Home Nursing Care
  • Durable Medical Equipment
  • Artificial limbs
  • Computerized Tomography (CAT Scan)
  • Magnetic Resonance Imaging (MRI)
  • Maternity
  • Newborn care

To comply with the Pre-certification requirements, the Member must:

  • Contact the Plan Administrator at the telephone number contained in the Member's Certificate as soon as possible before the expense is to be incurred, and;
  • Comply with the instruction of the Plan Administrator and submit any information or documents they require; and
  • Notify all Physicians, Hospitals, and other providers that this insurance contains Pre-certification requirements and ask them to fully cooperate with the Plan Administrator.
  • If Pre-certification is for Maternity, contact the Plan Administrator at the telephone number contained in the Member's Certificate as soon as possible but always:
    1. during the first 90 days of pregnancy, and,
    2. immediately upon any change in status during pregnancy, and
    3. upon admission to a hospital for delivery, and

If the Member complies with the Pre-Certification requirements, and the expenses are Pre-certified, Underwriters will pay Eligible Medical Expenses subject to all terms, conditions, and provisions and exclusions herein. If the Member does not comply with the Pre-certification requirements or if the expenses are not Pre-certified:

  1. Eligible Medical Expenses will be reduced by 50%; and
  2. The Deductible will be subtracted from the remaining amount; and
  3. The Coinsurance will be applied.

Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as reasonably possible.
Pre-certification Does Not Guarantee Benefits. The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions, and exclusions herein.
Concurrent Review For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.

Q : After I received my confirmation, I realized there may have been some errors in my application. What should I do?

Send any correction to us in writing by email to: support@visitorscoverage.com. When sending correspondence, please include your policy number. You can also contact HCCMIS directly. Contact information: Email: service@hccmis.com Mail: 251 North Illinois Street, Suite 600, Indianapolis, IN, 46204 USA. If the correction results in an increase in premium, please authorize payment to your card on file.

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.