Study USA Basic Plan

Underwriter: HCCMIS
Policy info
Plan Administrator: TIS
Carrier: HCCMIS
AM Best Rating: A(Excellent)

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.

Here is a complete list of benefits of Study USA Basic Plan
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.
Prescription Drugs / Medicines
Covered only for out-patient prescription
50% of actual prescription cost covered.
Lab & X-rays
Covered as per the policy
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.
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
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.
Acute, spontaneous and unexpected pain
Not Covered
Accidental emergency
Not Covered
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
Return of minor Child(ren)
Not Covered
Trip Interruption
Not Covered
Loss of checked Baggage
Not Covered
$10,000 Lifetime Maximum
Loss of 2 Limbs$10,000
Loss of 1 Limb$5,000
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
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
$50,000 maximum Lifetime Limit (eligible medical expenses only)
24-Hrs Emergency Assistance
Yes Contact number and details can be found on the ID card.
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.
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