Study USA Standard Plan
Limited Coverage- AM Best Rating
- A (Excellent)
- Carrier/Underwriter
- Lloyd's of London
- Administrator
- TIS
Basic Coverage Plan
Coverage from 5 days to 12 months
PPO
PPO Network Urgent Care
COVID-19 Excluded
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 
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% 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
In-Patient
Hospital Room
Average Semi Private Room Rate including Nursing Services
Emergency Services
Ambulance Expenses
$350 /injury or illness when covered injury or illness results in inpatient hospitalization
Dental
Acute, spontaneous and unexpected pain
Not Covered
Accidental emergency
$1,000 maximum per certificate period
Travel
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
Life
AD&D
| $25,000 Lifetime Maximum | |
| Death | Principal Sum |
| Loss of 2 Limbs | Principal Sum |
| Loss of 1 Limb | One Half of Principal Sum |
Common Carrier Accidental Death
Not Covered
Other
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.
Maternity
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)
Brochure
Support
24-Hrs Emergency Assistance
Yes Contact number and details can be found on the ID card.
Plan Administrator Company
TIS
Carrier / Underwriter
Lloyd's of London
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 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.
Since deductible is per incident for these type of plans. It is a good idea to select a lower deductible such as “0“.
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% 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.
How the Benefits are Paid
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.
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)
PPO Network
Available Deductibles
$50 per injury/illness within the PPO network or student health center, otherwise $150 per injury/illness. If treatment received outside U.S., $50 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 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:
| |
| 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.:
For U.S. Registered Students Studying Outside the U.S.: Outside the U.S., Study USA-HealthCare does not have a Preferred Provider Network.
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| 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. | |
| 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:
To comply with the Pre-certification requirements, the Member must:
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:
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. | |
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.
