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Study USA Standard Plan

Comprehensive Coverage, A.M. Best Rating: A
Lloyd's of London

Study USA Standard Plan 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.

Study USA Standard Plan can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Please review Study USA Standard Plan policy documents for complete coverage and exclusions.

No optional add-on benefits on this plan.

How Study USA Standard Plan Works

In Network

80%

After deductible, 80% up to policy maximum

Out of Network

100%

After deductible, 100% of URC

Key Travel Medical Insurance Benefits

Pre-Existing Conditions
Pre-Existing Conditions
Yes
Yes
Maternity
Maternity
Included
Included
Mental or Nervous Disorder
Mental or Nervous Disorder
Included
Included
Medical Evacuation
Medical Evacuation
Included
Included
Incidental Trip
Incidental Trip
Included
Included
Adventure Sports
Adventure Sports
Included
Included
Key Benfits Details

Note: Benefit amounts shown are based on In-Network coverage and may vary. Please consult your specific policy documents for precise coverage limits.

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

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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 $300,000 per incident for individuals and groups, $100,000 for their dependents
  • Repatriation for Medical Treatment
  • Optional Adventure Sports Rider
  • COVID-19 Coverage
Student Secure - Select

Comprehensive CoverageComprehensive Coverage A.M. Best Rating: A
Underwriter: Lloyd's of London

In Network:80% of first $5000, 100% thereafter.

Out of Network:100% of URC.

Direct Billing: Through United Healthcare PPO Network

In Network:80% of first $5000, 100% thereafter.

Out of Network:100% of URC.

Direct Billing: Through United Healthcare PPO Network

Benefits
Eligibility
Purchase Restrictions
Plan FAQs
  • After the deductible, plan pays 80% of the first $5,000 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: 6-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
  • Optional Accidental Death & Dismemberment Rider
  • Optional Crisis Response Rider
  • 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.