Study USA Standard 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 Standard Plan
Dr. / Physician Visit
Within the PPO network, after deductible is met, the plan pays 80% of next $25,000, then 100% up to policy maximum. Outside the PPO Network, insurance will pay up usual, reasonable and customary expenses. The insured may be responsible for any charges exceeding the payable amount.
Prescription Drugs / Medicines
$10 copay for generic drugs, $20 copay for brand name drugs. Afterwards the co-insurance will apply.
Lab & X-rays
Covered as per the policy
Physical Therapy
Maximum $50/visit/day
Hospital Room
Average Semi Private Room Rate including Nursing Services
Ambulance Expenses
$350 /injury or illness when covered injury or illness results in inpatient hospitalization
Acute, spontaneous and unexpected pain
Not Covered
Accidental emergency
$1,000 maximum per certificate period
Emergency Medical Evacuation / Repatriation
Up to $250,000 lifetime maximum
Return of Remains
$100,000 maximum lifetime per insured
Emergency Reunion
$2500 life time maximum for up to 15 days(not subject to deductible or co-insurance)
Return of minor Child(ren)
Not Covered
Trip Interruption
Not Covered
Loss of checked Baggage
Not Covered
$25,000 Lifetime Maximum
DeathPrincipal Sum
Loss of 2 LimbsPrincipal Sum
Loss of 1 LimbOne Half of Principal Sum
Common Carrier Accidental Death
Not Covered
Pre-Existing Conditions
Plan pays $500 per certificate period after 12 month waiting period. Acute onset of a pre-existing condition covered up to $25,000.
If conception happens after policy effective date, after the deductible, insurance company will pay 80% up to the policy maximum, in-network. Out of network, the insurance company will pay 70% up to the policy maximum.
General Physical full Checkup
100% of one Routine Physical Exam/member/certificate 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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